PT Panin Financial Tbk (IDX:PNLF)

PT Panin Financial Tbk Statistics

Total Valuation

IDX:PNLF has a market cap or net worth of IDR 8.07 trillion.

Market Cap	8.07T
Enterprise Value	n/a

Important Dates

The last earnings date was Friday, October 31, 2025.

Earnings Date	Oct 31, 2025
Ex-Dividend Date	n/a

Share Statistics

IDX:PNLF has 32.02 billion shares outstanding.

Current Share Class	32.02B
Shares Outstanding	32.02B
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	2.98%
Owned by Institutions (%)	9.96%
Float	9.34B

Valuation Ratios

The trailing PE ratio is 4.89.

PE Ratio	4.89
Forward PE	n/a
PS Ratio	0.77
PB Ratio	0.12
P/TBV Ratio	0.26
P/FCF Ratio	3.29
P/OCF Ratio	3.00
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	5.19
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.04%.

Return on Equity (ROE)	5.04%
Return on Assets (ROA)	1.38%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	933.94M
Profits Per Employee	146.98M
Employee Count	11,218
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, IDX:PNLF has paid 828.22 billion in taxes.

Income Tax	828.22B
Effective Tax Rate	19.82%

Stock Price Statistics

The stock price has decreased by -44.83% in the last 52 weeks. The beta is -0.83, so IDX:PNLF's price volatility has been lower than the market average.

Beta (5Y)	-0.83
52-Week Price Change	-44.83%
50-Day Moving Average	241.16
200-Day Moving Average	294.55
Relative Strength Index (RSI)	63.03
Average Volume (20 Days)	102,547,580

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, IDX:PNLF had revenue of IDR 10.48 trillion and earned 1.65 trillion in profits. Earnings per share was 51.49.

Revenue	10.48T
Gross Profit	10.25T
Operating Income	4.21T
Pretax Income	4.18T
Net Income	1.65T
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	51.49

Balance Sheet

The company has 31.78 trillion in cash and 12.74 trillion in debt, giving a net cash position of 19.04 trillion or 594.50 per share.

Cash & Cash Equivalents	31.78T
Total Debt	12.74T
Net Cash	19.04T
Net Cash Per Share	594.50
Equity (Book Value)	67.91T
Book Value Per Share	972.62
Working Capital	-109,602.30B

Cash Flow

In the last 12 months, operating cash flow was 2.69 trillion and capital expenditures -229.64 billion, giving a free cash flow of 2.46 trillion.

Operating Cash Flow	2.69T
Capital Expenditures	-229.64B
Free Cash Flow	2.46T
FCF Per Share	76.69

Margins

Gross Margin	n/a
Operating Margin	40.21%
Pretax Margin	39.87%
Profit Margin	15.74%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	23.44%

Dividends & Yields

IDX:PNLF does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	27.44%
Buyback Yield	n/a
Shareholder Yield	n/a
Earnings Yield	20.43%
FCF Yield	30.43%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4