PT Bank SMBC Indonesia Tbk (BTPN) — Cash Flow Quality Index
PT Bank SMBC Indonesia Tbk (BTPN) has a Cash Flow Quality Index of -9.73x as of September 2025. Operating cash flow of Rp-4.60 Trillion is below net income of Rp473.50 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore PT Bank SMBC Indonesia Tbk long-term investment allocation to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
PT Bank SMBC Indonesia Tbk Cash Flow Quality Index (2006–2024)
Historical Cash Flow Quality Index for PT Bank SMBC Indonesia Tbk across 19 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check tangible equity quality of PT Bank SMBC Indonesia Tbk to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for PT Bank SMBC Indonesia Tbk (2006–2024)
Year-by-year earnings quality comparison for PT Bank SMBC Indonesia Tbk. For live market cap and the full company financial profile, see PT Bank SMBC Indonesia Tbk market cap and net worth.
| Year | Quality Index | Operating CF (IDR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 3.85x | Rp10.83 Trillion | Rp2.81 Trillion | ▲ +478.8% |
| 2023 | -1.02x | Rp-2.40 Trillion | Rp2.36 Trillion | ▲ +28.7% |
| 2022 | -1.43x | Rp-4.42 Trillion | Rp3.10 Trillion | ▼ -128.9% |
| 2021 | 4.94x | Rp13.15 Trillion | Rp2.66 Trillion | ▼ -53.7% |
| 2020 | 10.67x | Rp18.66 Trillion | Rp1.75 Trillion | ▲ +329.3% |
| 2019 | -4.65x | Rp-11.97 Trillion | Rp2.57 Trillion | ▼ -299.7% |
| 2018 | 2.33x | Rp4.59 Trillion | Rp1.97 Trillion | ▲ +152.6% |
| 2017 | 0.92x | Rp1.13 Trillion | Rp1.22 Trillion | ▼ -39.8% |
| 2016 | 1.53x | Rp2.68 Trillion | Rp1.75 Trillion | ▼ -25.5% |
| 2015 | 2.06x | Rp3.50 Trillion | Rp1.70 Trillion | ▲ +59.7% |
| 2014 | 1.29x | Rp2.38 Trillion | Rp1.85 Trillion | ▲ +173.2% |
| 2013 | -1.76x | Rp-3.75 Trillion | Rp2.13 Trillion | ▼ -158.2% |
| 2012 | 3.02x | Rp5.98 Trillion | Rp1.98 Trillion | ▲ +374.0% |
| 2011 | -1.10x | Rp-1.54 Trillion | Rp1.40 Trillion | ▼ -20.5% |
| 2010 | -0.92x | Rp-765.73 Billion | Rp836.82 Billion | ▼ -120.9% |
| 2009 | 4.39x | Rp1.84 Trillion | Rp420.42 Billion | ▲ +213.6% |
| 2008 | 1.40x | Rp529.85 Billion | Rp378.89 Billion | ▲ +14.1% |
| 2007 | 1.23x | Rp414.80 Billion | Rp338.36 Billion | ▼ -5.4% |
| 2006 | 1.30x | Rp194.70 Billion | Rp150.19 Billion | — |