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 cash flow to debt ratio of PT Bank SMBC Indonesia Tbk to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see how efficiently does PT Bank SMBC Indonesia Tbk generate cash.
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.
| 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 | — |