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Bank Cimb Niaga Tbk (BNGA) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Bank Cimb Niaga Tbk IDR 2,371, price IDR 1,760, upside +34.7%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · ID · ISIN ID1000098007

BC Thin data Sep 24, 2026

Bank Cimb Niaga Tbk

BNGA · JK

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value 2,371 IDR · Undervalued (+35%)
!Quality 58/100
✓Healthy Growth (revenue YoY +62.3 %/yr)
✓Highly profitable · 38.0% net margin (TTM)
✓Low debt · generates free cash flow
✓Ranks above peers (13/14)
✓Wide moat 66/100
!Evidence only low, so the estimate is less certain
!Weak on future: 24 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

1,765 IDR 576.13 IDR Fair Value 2,371 IDR Apr 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range 576.13 IDR – 1,765 IDR · fair‑value band 2,043 IDR – 3,467 IDR · the 1,760 IDR price screens below the 2,371 IDR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

PT Bank CIMB Niaga Tbk, together with its subsidiaries, provides various banking products and services in Indonesia and internationally.

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PT Bank CIMB Niaga Tbk, together with its subsidiaries, provides various banking products and services in Indonesia and internationally. The company offers saving, current, and time and term deposit products; Sharia and payroll savings products; credit and debit cards; mortgages and loans; distributes and supplies financing services; treasury products, such as foreign exchange, strike currency, bond and market-linked deposits, swap deposit, hedging instruments, and investment products; and mutual funds and endowment services. It also provides individual loans, such as mortgages, OCTO loan, joint financing, consumer loan products with cash and securities as collateral, and other loans; Sharia individual financing and indirect auto financing products; working capital, investment, and syndicated loans; Sharia hedging; bank notes and a range of bonds; and account receivable, account payable, pre-shipment, and supply chain financing. In addition, the company offers bank draft, special fund transfer, preferred collection, cash mobile and pick up, cash sweeping, and safe deposit box services; trustee and agency services, custodian services, factoring, and letter of credit; and electronic access facilities, including operation of automatic teller machine, and digital and mobile banking services. Further, it provides state treasury notes and government guarantee instruments; bancassurance products, such as Sharia based insurance products, life and health insurance, mortgage credit life insurance, personal loan credit life insurance, travel insurance, and credit protector insurance; and cash management, remittance, trade finance, and value chain services. The company was formerly known as PT Bank Niaga Tbk and changed its name to PT Bank CIMB Niaga Tbk in May 2008. The company was founded in 1955 and is headquartered in Jakarta, Indonesia. PT Bank CIMB Niaga Tbk is a subsidiary of CIMB Group Sdn. Bhd.

Stock analysis

Bank Cimb Niaga Tbk (BNGA) currently trades at 1,760 IDR, while our model-based Fair Value estimate is 2,371 IDR, implying the stock looks roughly 25.8% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 3,573 IDR per share, and 5 of the 6 models we run sit above the 1,760 IDR price.

Bear case: the Asset-Based group reads lowest at 1,710 IDR, and 1 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: 2,043 IDR (bear) to 3,467 IDR (bull), the price of 1,760 IDR sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank Cimb Niaga Tbk reported revenue of 30.7T IDR in FY2025 versus 23.5T IDR in FY2021, a compound +6.9%/yr. Reported net income was 6.9T IDR in FY2025, compounding +13.8%/yr from FY2021.

Key figures

Market cap 44.2T IDR (≈ $4.4B) · P/E ratio 5.8 · P/S ratio 1.30 · EPS (TTM) 271.92 IDR · Dividend yield 9.9% · Net margin 22.4% · Return on equity 12.0% · Return on assets (EBIT) 2.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (medium confidence).

What moves the price

The share trades at its 52-week high and 20% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 35%, BNGA screens cheaper than that median.

Fair Value models

Bear 2,043 IDR Fair Value 2,371 IDR Bull 3,467 IDR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (198.91 IDR per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income 2,329 IDR 2,674 IDR 4,465 IDR 74
Gordon GGM 1,530 IDR 3,048 IDR 4,616 IDR 67
DDM Multi-Stage 1,530 IDR 2,635 IDR 3,218 IDR 67
All 6 models by family
Dividend Discount
Gordon GGM 1,530 IDR 3,048 IDR 4,616 IDR 67
DDM Multi-Stage 1,530 IDR 2,635 IDR 3,218 IDR 67
Multiples
P/E Multiple 2,954 IDR 3,938 IDR 4,923 IDR 63
P/B Multiple 2,680 IDR 3,573 IDR 4,467 IDR 55
Asset-Based
NCAV (Graham) 1,276 IDR 1,710 IDR 2,552 IDR 54
Economic Profit
Residual Income 2,329 IDR 2,674 IDR 4,465 IDR 74

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Quality Score breakdown

Overall quality 58/100

Of which business quality 53 · Market factors (momentum, volatility) 71

Profitability 36
Margins and returns on capital today
Quality Growth 43
Are margins and returns improving?
Cashflow 75
Earnings quality: real cash, not paper profit
Fin. Strength 24
Balance sheet, leverage, solvency risk
Investment 74
Disciplined investing over empire-building
Low Volatility 97
Calm price path (market factor)
Momentum 52
Price trend over the last 3–12 months (market factor)
52W Momentum 73
Distance to the 52-week high (market factor)
Net Issuance 80
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
What shareholders gained per year (last 5 years), in IDR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in IDR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+23.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+13.3%
Dividend (yield on the price)9.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.13% vs 13%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 29%
Start year 2020 (pandemic)

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−19.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−3.7%
Yearly sales growth analysts expect, extended to five years.
After inflation (Indonesia: IMF forecast 2.6% a year to 2030, 2.9% from 2016 to 2025) that is about −21.2% a year for the price and −6.2% for the forecasts.
Forecast 2026 (sales)−32.1%
Forecast 2027 (sales)+5.7%
Projected 2028 (sales)+5.3%
Projected 2029 (sales)+4.8%
Projected 2030 (sales)+4.3%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks

Beats the industry median on 13/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside +35% · Top 25%
Profitability
Return on equity (TTM) 12% · Above median
Return on assets 2% · Top 25%
Net margin (TTM) 38% · Top 25%
Operating margin (TTM) 49% · Above median
Growth and dividend
Revenue growth 5% · Below median
Dividend yield (TTM) 9.9% · Top 25%
Balance sheet
Debt / equity 0.05× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 5.8× · Cheapest 25%
P/B 0.76× · Cheapest 25%
P/S (TTM) 2.46× · Cheaper than median
P/FCF 0.0× · Cheapest 25%
EV/EBITDA 2.2× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)80 · sector 11
FUTURE (revenue growth)24 · sector 45
PAST (return on equity)48 · sector 41
HEALTH (low debt)97 · sector 85
DIVIDEND (yield)100 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Bank Cimb Niaga Tbk · Fair Value
2,371 IDR +26%Fair Value
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Cite: Fair Value Calculator (2026). "Bank Cimb Niaga Tbk Fair Value". https://www.fairvalue-calculator.com/stock/BNGA

Frequently asked questions

Is Bank Cimb Niaga Tbk (BNGA) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 2,371 IDR versus a price of 1,760 IDR, about +35% upside (undervalued).
What is the fair value of BNGA?
Our model-based fair value for Bank Cimb Niaga Tbk is 2,371 IDR (as of Sep 24, 2026), built from audited fundamentals. The current price: 1,760 IDR.
What is the quality score of BNGA?
Bank Cimb Niaga Tbk has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank Cimb Niaga Tbk (BNGA)?
Our model-based price target is the fair value of 2,371 IDR (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 2,043 IDR, optimistic scenario 3,467 IDR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Cimb Niaga Tbk stock forecast for 2026?
Our models put fair value at 2,371 IDR, about +35% upside versus a price of 1,760 IDR (undervalued). Cautious scenario 2,043 IDR, optimistic scenario 3,467 IDR. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Cimb Niaga Tbk (BNGA)?
Bank Cimb Niaga Tbk reported trailing-twelve-month revenue of about 18.0T IDR (latest available figure, as of Sep 24, 2026).
Does Bank Cimb Niaga Tbk pay a dividend?
Bank Cimb Niaga Tbk currently shows a dividend yield of about 9.90% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Bank Cimb Niaga Tbk (BNGA)?
For today's price to be fair in a discounted-cash-flow model, Bank Cimb Niaga Tbk would have to grow free cash flow by -19.1 % per year for five years (discount rate 10.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +4.7 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of BNGA use?
Our models discount Bank Cimb Niaga Tbk at 10.5 %: a base by market capitalisation (mid), damped by beta 0.05, country premium for Indonesia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Bank Cimb Niaga Tbk that is -19.1 % per year a year over ten years, using the same discount rate (10.5 %) and the same formula as our fair value.
How much growth has Bank Cimb Niaga Tbk (BNGA) delivered so far?
Over the past 5 years revenue at Bank Cimb Niaga Tbk grew +4.7 % a year. The price currently implies -19.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Bank Cimb Niaga Tbk (BNGA) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Bank Cimb Niaga Tbk (-19.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bank Cimb Niaga Tbk (BNGA)?
The free-cash-flow yield on the price is 14.71 %: that much free cash flow Bank Cimb Niaga Tbk produces per unit of market value. When it exceeds the discount rate of our models (10.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bank Cimb Niaga Tbk (BNGA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Cimb Niaga Tbk it is 2,371 IDR per share (as of Sep 24, 2026), against a price of 1,760 IDR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Bank Cimb Niaga Tbk stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BNGA trades below its calculated fair value: price 1,760 IDR, fair value 2,371 IDR, a gap of about +35% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BNGA?
No. The price is what the market pays today (1,760 IDR); the fair value is what the company's own numbers justify (2,371 IDR). For Bank Cimb Niaga Tbk the two are 611.16 IDR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Cimb Niaga Tbk worth?
The market values Bank Cimb Niaga Tbk at about 44.2T IDR (market capitalisation, as of Sep 24, 2026). Per share that is 1,760 IDR; our models calculate a fair value of 2,371 IDR per share.
What do the bullish and bearish scenarios say about BNGA?
Our models span a range for Bank Cimb Niaga Tbk: cautious scenario 2,043 IDR, base 2,371 IDR, optimistic 3,467 IDR per share (as of Sep 24, 2026, price 1,760 IDR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BNGA?
Bank Cimb Niaga Tbk trades at a price-to-earnings ratio of 5.8 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 2,371 IDR is built from several models across several years. Other multiples: P/B 0.8, P/S 2.5, EV/EBITDA 2.2.
How solid is the balance sheet of Bank Cimb Niaga Tbk (BNGA)?
Balance-sheet figures for Bank Cimb Niaga Tbk (as of Sep 24, 2026): return on equity 12.0%, debt of 0.05 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is BNGA from its 52-week high?
Bank Cimb Niaga Tbk trades at 1,760 IDR, at its 52-week high of 1,765 IDR and 20% above the low of 1,470 IDR (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 2,371 IDR is for.
Which stocks are comparable to Bank Cimb Niaga Tbk?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank Cimb Niaga Tbk stock attractive at the current price?
The data as of Sep 24, 2026: price 1,760 IDR, calculated fair value 2,371 IDR (+35%), Quality Score 58/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BNGA calculated?
We run Bank Cimb Niaga Tbk through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 2,371 IDR, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Bank Cimb Niaga Tbk currently trades 35 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank Cimb Niaga Tbk (BNGA)?
The closing price on Sep 23, 2026 was 1,760 IDR. Our model-based fair value is 2,371 IDR, about +35% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Cimb Niaga Tbk right now?
The price is below even our cautious bear case (2,043 IDR). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (58/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank Cimb Niaga Tbk (BNGA) come from?
Earnings per share at Bank Cimb Niaga Tbk grew +17.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +0.8 %, EBIT margin +16.2 %, tax rate +0.8 %, residual (interest, one-offs) −0.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank Cimb Niaga Tbk

How large is the market capitalisation of Bank Cimb Niaga Tbk (BNGA)?
The market capitalisation of Bank Cimb Niaga Tbk is 44.2T IDR (≈ $4.4B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank Cimb Niaga Tbk (BNGA)?
The price-to-sales ratio of Bank Cimb Niaga Tbk is 1.30 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Cimb Niaga Tbk (BNGA)?
Earnings per share at Bank Cimb Niaga Tbk are 271.92 IDR (price ÷ EPS = P/E 5.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank Cimb Niaga Tbk (BNGA)?
The dividend yield of Bank Cimb Niaga Tbk is 9.9% (payout 64.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank Cimb Niaga Tbk (BNGA)?
The net margin of Bank Cimb Niaga Tbk is 22.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank Cimb Niaga Tbk (BNGA)?
The return on equity (ROE) of Bank Cimb Niaga Tbk is 12.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank Cimb Niaga Tbk (BNGA)?
On an EBIT basis the return on assets of Bank Cimb Niaga Tbk is 2.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank Cimb Niaga Tbk (BNGA)?
The operating margin of Bank Cimb Niaga Tbk is 48.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Cimb Niaga Tbk (BNGA)?
Revenue at Bank Cimb Niaga Tbk is growing +4.8% versus a year earlier (3y avg +7.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank Cimb Niaga Tbk (BNGA)?
Earnings per share at Bank Cimb Niaga Tbk are growing −2.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Bank Cimb Niaga Tbk (BNGA) carry?
The net debt of Bank Cimb Niaga Tbk is 581B IDR (fiscal year 2025, ≈ 0.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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