PT Panin Financial Tbk (IDX:PNLF)

PT Panin Financial Tbk Cash Flow Statement

Financials in millions IDR. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	1,758,407	1,744,329	1,540,620	1,510,483	2,017,556	1,327,813
Depreciation & Amortization	628,834	571,071	523,101	471,215	556,671	9,890
Change in Trading Asset Securities	1,589,916	10,708,587	-4,701,332	-4,506,903	-1,279,630	-
Change in Other Net Operating Assets	11,110,041	-20,147,773	13,609,141	178,306	-11,865,125	-
Other Operating Activities	1,378,238	1,844,546	2,723,431	4,068,414	3,177,892	-1,393,386
Operating Cash Flow	16,465,436	-5,279,240	13,694,961	1,721,515	-7,392,636	-55,683
Operating Cash Flow Growth	1948.04%	-	695.52%	-	-	-

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-427,032	-292,059	-312,921	-164,558	-231,782	-3,734
Sale of Property, Plant and Equipment	13,435	14,960	27,934	5,996	36,644	981
Investment in Securities	-15,929,642	-5,507,587	-19,049,480	73,023	1,367,931	-11,659
Purchase / Sale of Intangibles	-117,954	-140,089	-126,985	-142,099	-135,113	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-	-	-	-145	5,425	-3,349
Other Investing Activities	-223,660	593,030	280,264	415,886	739,863	614,172
Investing Cash Flow	-16,684,853	-5,331,745	-19,181,188	188,103	1,782,968	596,411

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Long-Term Debt Issued	-	4,733,975	7,366,064	3,150,000	2,425,576	-
Long-Term Debt Repaid	-	-3,904,399	-5,774,756	-6,679,907	-1,658,764	-6,005
Net Debt Issued (Repaid)	4,080,597	829,576	1,591,308	-3,529,907	766,812	-6,005
Issuance of Common Stock	6,879	6,879	-	-	-	-
Repurchase of Common Stock	-	-20,600	-	-	-	-
Common Dividends Paid	-	-	-	-	-320,221	-
Net Increase (Decrease) in Deposit Accounts	-6,713,735	3,483,582	5,347,410	2,057,303	6,717,319	-
Other Financing Activities	-588,652	-660,692	-44,825	-286,424	-692,047	-161,632
Financing Cash Flow	-3,214,911	3,638,745	6,893,893	-1,759,028	6,471,863	-167,637

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Foreign Exchange Rate Adjustments	386,449	242,114	13,392	-47,560	298,731	138
Net Cash Flow	-3,047,879	-6,730,126	1,421,058	103,030	1,160,926	373,229

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	16,038,404	-5,571,299	13,382,040	1,556,957	-7,624,418	-59,417
Free Cash Flow Growth	2735.14%	-	759.50%	-	-	-
Free Cash Flow Margin	165.58%	-53.32%	136.68%	14.92%	-73.16%	-4.40%
Free Cash Flow Per Share	500.86	-173.98	417.90	48.62	-238.10	-1.86

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	6,292,303	6,693,476	6,400,044	5,336,905	3,863,846	-
Cash Income Tax Paid	784,661	743,756	819,931	819,896	751,503	-

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 30, 2026

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