PT Panin Financial Tbk Ratios and Metrics

Market cap in millions IDR. Fiscal year is January - December.

Millions IDR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 26, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	8,645,960	13,769,492	8,453,827	11,463,902	5,507,797	7,877,430
Market Cap Growth	-40.00%	62.88%	-26.26%	108.14%	-30.08%	-18.54%
Last Close Price	270.00	430.00	264.00	358.00	168.00	240.28
PE Ratio	5.24	8.27	5.60	5.68	4.15	4.24
PS Ratio	0.83	1.28	0.81	1.10	4.08	5.68
PB Ratio	0.13	0.21	0.14	0.20	0.19	0.28
P/FCF Ratio	3.52	1.01	5.43	-	-	161.82
P/OCF Ratio	3.22	0.99	4.91	-	-	154.18
Debt / Equity Ratio	0.19	0.46	0.28	0.21	0.00	0.00
Debt / FCF Ratio	5.19	2.22	11.07	-	-	0.39
Net Debt / Equity Ratio	-0.28	-0.14	-0.34	-0.47	-0.33	-0.32
Net Debt / FCF Ratio	-7.75	-0.68	-13.36	3.65	159.44	-182.62
Return on Equity (ROE)	5.04%	5.44%	5.97%	9.31%	5.29%	7.59%
Return on Assets (ROA)	1.38%	1.41%	1.57%	3.16%	4.56%	6.51%
Earnings Yield	19.07%	12.09%	17.87%	17.60%	24.11%	23.61%
FCF Yield	28.40%	98.48%	18.42%	-66.51%	-1.08%	0.62%
Dividend Yield	-	-	-	-	5.95%	-
Payout Ratio	27.44%	-	-	15.87%	-	-
Total Shareholder Return	-	-	-	-	5.95%	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.