Bank Tabungan Pensiunan Nasional Syariah PT (BTPS) — Cash Flow Quality Index
Bank Tabungan Pensiunan Nasional Syariah PT (BTPS) has a Cash Flow Quality Index of 0.65x as of June 2026. Operating cash flow of Rp217.91 Billion is below net income of Rp336.00 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore Bank Tabungan Pensiunan Nasional Syariah cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bank Tabungan Pensiunan Nasional Syariah PT Cash Flow Quality Index (2013–2025)
Historical Cash Flow Quality Index for Bank Tabungan Pensiunan Nasional Syariah PT across 13 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Bank Tabungan Pensiunan Nasional Syariah cash flow conversion.
Annual Cash Flow Quality Index for Bank Tabungan Pensiunan Nasional Syariah PT (2013–2025)
Year-by-year earnings quality comparison for Bank Tabungan Pensiunan Nasional Syariah PT.
| Year | Quality Index | Operating CF (IDR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.49x | Rp1.79 Trillion | Rp1.20 Trillion | ▼ -14.4% |
| 2024 | 1.74x | Rp1.85 Trillion | Rp1.06 Trillion | ▲ +5.6% |
| 2023 | 1.65x | Rp1.78 Trillion | Rp1.08 Trillion | ▲ +39.1% |
| 2022 | 1.18x | Rp2.11 Trillion | Rp1.78 Trillion | ▼ -56.0% |
| 2021 | 2.69x | Rp3.94 Trillion | Rp1.47 Trillion | ▲ +107.0% |
| 2020 | 1.30x | Rp1.11 Trillion | Rp854.61 Billion | ▲ +246.9% |
| 2019 | 0.37x | Rp524.45 Billion | Rp1.40 Trillion | ▼ -46.5% |
| 2018 | 0.70x | Rp676.72 Billion | Rp965.31 Billion | ▲ +26.7% |
| 2017 | 0.55x | Rp370.74 Billion | Rp670.18 Billion | ▼ -67.6% |
| 2016 | 1.71x | Rp704.35 Billion | Rp412.50 Billion | ▲ +18.2% |
| 2015 | 1.44x | Rp244.42 Billion | Rp169.21 Billion | ▲ +174.0% |
| 2014 | -1.95x | Rp-193.23 Billion | Rp98.94 Billion | ▲ +97.5% |
| 2013 | -79.19x | Rp-13.70 Billion | Rp173.00 Million | — |