Bank Artos Indonesia Tbk PT (ARTO) — Financial Flexibility Index
Bank Artos Indonesia Tbk PT (ARTO) has a Financial Flexibility Index of 0.01x as of March 2026. Free cash flow of Rp310.69 Billion (operating CF Rp310.13 Billion minus capex Rp552.00 Million) represents 0% of total liabilities (Rp30.62 Trillion). Check ARTO cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Bank Artos Indonesia Tbk PT Financial Flexibility Index (2012–2025)
Historical Financial Flexibility Index trend for Bank Artos Indonesia Tbk PT across 14 annual periods. For the full cash flow conversion analysis, see ARTO cash flow conversion.
Annual Financial Flexibility Index for Bank Artos Indonesia Tbk PT (2012–2025)
Year-by-year free cash flow to debt coverage for Bank Artos Indonesia Tbk PT. Explore Bank Artos Indonesia Tbk PT (ARTO) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (IDR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.07x | Rp1.81 Trillion | Rp1.79 Trillion | Rp27.68 Trillion | ▼ -67.0% |
| 2024 | 0.20x | Rp3.96 Trillion | Rp3.23 Trillion | Rp20.02 Trillion | ▼ -11.8% |
| 2023 | 0.22x | Rp2.90 Trillion | Rp2.25 Trillion | Rp12.94 Trillion | ▼ -2.1% |
| 2022 | 0.23x | Rp1.99 Trillion | Rp1.50 Trillion | Rp8.70 Trillion | ▲ +127.5% |
| 2021 | -0.83x | Rp-3.38 Trillion | Rp-3.79 Trillion | Rp4.06 Trillion | ▼ -527.2% |
| 2020 | -0.13x | Rp-125.73 Billion | Rp-327.18 Billion | Rp947.54 Billion | ▲ +83.1% |
| 2019 | -0.78x | Rp-501.75 Billion | Rp-503.28 Billion | Rp639.88 Billion | ▼ -408.3% |
| 2018 | -0.15x | Rp-84.71 Billion | Rp-86.02 Billion | Rp549.11 Billion | ▼ -358.6% |
| 2017 | 0.06x | Rp41.66 Billion | Rp40.87 Billion | Rp698.18 Billion | ▲ +169.9% |
| 2016 | -0.09x | Rp-53.59 Billion | Rp-56.59 Billion | Rp627.51 Billion | ▼ -658.7% |
| 2015 | -0.01x | Rp-7.19 Billion | Rp-10.60 Billion | Rp638.43 Billion | ▲ +100.0% |
| 2014 | -42.71x | Rp-120.92 Billion | Rp-123.64 Billion | Rp2.83 Billion | ▲ +38.8% |
| 2013 | -69.74x | Rp-116.09 Billion | Rp-117.53 Billion | Rp1.66 Billion | ▼ -84.9% |
| 2012 | -37.72x | Rp-55.07 Billion | Rp-58.53 Billion | Rp1.46 Billion | — |