PT Bank SMBC Indonesia Tbk (BTPN) — Financial Flexibility Index

Latest as of September 2025: -0.03x

PT Bank SMBC Indonesia Tbk (BTPN) has a Financial Flexibility Index of -0.03x as of September 2025. Free cash flow of Rp-4.51 Trillion (operating CF Rp-4.60 Trillion minus capex Rp99.59 Billion) represents 0% of total liabilities (Rp178.97 Trillion). Check BTPN cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

-0.03x
Free Cash Flow / Total Liabilities

Free Cash Flow

Rp-4.51 Trillion
Operating CF − Capex

Total Liabilities

Rp178.97 Trillion
IDR

Capital Expenditures

Rp99.59 Billion
IDR

PT Bank SMBC Indonesia Tbk Financial Flexibility Index (2006–2024)

Historical Financial Flexibility Index trend for PT Bank SMBC Indonesia Tbk across 19 annual periods. For the full cash flow conversion analysis, see PT Bank SMBC Indonesia Tbk (BTPN) cash flow conversion.

Annual Financial Flexibility Index for PT Bank SMBC Indonesia Tbk (2006–2024)

Year-by-year free cash flow to debt coverage for PT Bank SMBC Indonesia Tbk. Explore debt repayment capacity of PT Bank SMBC Indonesia Tbk to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (IDR) Operating CF Total Liabilities YoY Change
2024 0.06x Rp11.41 Trillion Rp10.83 Trillion Rp186.35 Trillion ▲ +663.1%
2023 -0.01x Rp-1.74 Trillion Rp-2.40 Trillion Rp160.17 Trillion ▲ +51.1%
2022 -0.02x Rp-3.77 Trillion Rp-4.42 Trillion Rp169.76 Trillion ▼ -125.2%
2021 0.09x Rp13.73 Trillion Rp13.15 Trillion Rp155.84 Trillion ▼ -31.3%
2020 0.13x Rp19.28 Trillion Rp18.66 Trillion Rp150.20 Trillion ▲ +271.1%
2019 -0.08x Rp-11.27 Trillion Rp-11.97 Trillion Rp150.16 Trillion ▼ -215.5%
2018 0.06x Rp5.36 Trillion Rp4.59 Trillion Rp82.55 Trillion ▲ +165.9%
2017 0.02x Rp1.91 Trillion Rp1.13 Trillion Rp78.29 Trillion ▼ -45.5%
2016 0.04x Rp3.37 Trillion Rp2.68 Trillion Rp75.06 Trillion ▼ -27.0%
2015 0.06x Rp4.13 Trillion Rp3.50 Trillion Rp67.12 Trillion ▲ +35.9%
2014 0.05x Rp2.85 Trillion Rp2.38 Trillion Rp62.95 Trillion ▲ +180.7%
2013 -0.06x Rp-3.35 Trillion Rp-3.75 Trillion Rp59.76 Trillion ▼ -144.8%
2012 0.13x Rp6.43 Trillion Rp5.98 Trillion Rp51.36 Trillion ▲ +483.1%
2011 -0.03x Rp-1.34 Trillion Rp-1.54 Trillion Rp41.03 Trillion ▼ -43.9%
2010 -0.02x Rp-688.65 Billion Rp-765.73 Billion Rp30.31 Trillion ▼ -123.9%
2009 0.10x Rp1.93 Trillion Rp1.84 Trillion Rp20.23 Trillion ▲ +66.3%
2008 0.06x Rp691.74 Billion Rp529.85 Billion Rp12.08 Trillion ▲ +1.5%
2007 0.06x Rp527.85 Billion Rp414.80 Billion Rp9.35 Trillion ▲ +43.9%
2006 0.04x Rp214.70 Billion Rp194.70 Billion Rp5.47 Trillion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities