PT Bank SMBC Indonesia Tbk (BTPN) — Cash Flow-to-Debt Ratio
PT Bank SMBC Indonesia Tbk (BTPN) has a Cash Flow-to-Debt Ratio of -0.03x as of September 2025, meaning its operating cash flow of Rp-4.60 Trillion could theoretically repay 0% of its total liabilities (Rp178.97 Trillion) in one year. See BTPN financial flexibility score to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
PT Bank SMBC Indonesia Tbk Cash Flow-to-Debt Ratio (2006–2024)
Historical debt coverage capacity for PT Bank SMBC Indonesia Tbk across 19 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of PT Bank SMBC Indonesia Tbk.
Annual Cash Flow-to-Debt Ratio for PT Bank SMBC Indonesia Tbk (2006–2024)
Year-by-year debt coverage analysis for PT Bank SMBC Indonesia Tbk. Check BTPN operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (IDR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.06x | Rp10.83 Trillion | Rp186.35 Trillion | ▲ +488.3% |
| 2023 | -0.01x | Rp-2.40 Trillion | Rp160.17 Trillion | ▲ +42.5% |
| 2022 | -0.03x | Rp-4.42 Trillion | Rp169.76 Trillion | ▼ -130.8% |
| 2021 | 0.08x | Rp13.15 Trillion | Rp155.84 Trillion | ▼ -32.1% |
| 2020 | 0.12x | Rp18.66 Trillion | Rp150.20 Trillion | ▲ +255.9% |
| 2019 | -0.08x | Rp-11.97 Trillion | Rp150.16 Trillion | ▼ -243.5% |
| 2018 | 0.06x | Rp4.59 Trillion | Rp82.55 Trillion | ▲ +286.2% |
| 2017 | 0.01x | Rp1.13 Trillion | Rp78.29 Trillion | ▼ -59.8% |
| 2016 | 0.04x | Rp2.68 Trillion | Rp75.06 Trillion | ▼ -31.4% |
| 2015 | 0.05x | Rp3.50 Trillion | Rp67.12 Trillion | ▲ +37.6% |
| 2014 | 0.04x | Rp2.38 Trillion | Rp62.95 Trillion | ▲ +160.4% |
| 2013 | -0.06x | Rp-3.75 Trillion | Rp59.76 Trillion | ▼ -153.9% |
| 2012 | 0.12x | Rp5.98 Trillion | Rp51.36 Trillion | ▲ +409.4% |
| 2011 | -0.04x | Rp-1.54 Trillion | Rp41.03 Trillion | ▼ -48.9% |
| 2010 | -0.03x | Rp-765.73 Billion | Rp30.31 Trillion | ▼ -127.7% |
| 2009 | 0.09x | Rp1.84 Trillion | Rp20.23 Trillion | ▲ +107.7% |
| 2008 | 0.04x | Rp529.85 Billion | Rp12.08 Trillion | ▼ -1.1% |
| 2007 | 0.04x | Rp414.80 Billion | Rp9.35 Trillion | ▲ +24.7% |
| 2006 | 0.04x | Rp194.70 Billion | Rp5.47 Trillion | — |