Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PNBN.JK
BuyBargain BinPT Bank Pan Indonesia Tbk · Financial Services · Indonesia · $1.2B · Avg Vol: $85K/d
66
StockRankGet insider-trade alerts
Q
43
V
80
M
38
P/E (TTM)
8.0x
ROE
5.1%
D/E
0.2x
Dividend %
5.5%
COMPANY DESCRIPTION
PT Bank Pan Indonesia Tbk, together with its subsidiaries, engages in providing banking products and services for individuals and businesses in Indonesia and internationally. It operates through Banking and Multi-finance segments.
FINANCIAL SUMMARY (IDR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 11.1T | 10.4T | 10.3T | 10.4T | -2.2% | 9.9T | 11.7T | 11.7T | 5.9% |
| EPS (IDR) | 126.28 | 105.11 | 113.70 | 114.24 | -3.3% | 113.55 | 114.70 | 115.81 | 0.7% |
| Shares | 24.1B | 24.1B | 24.1B | 24.1B | -0.0% | 24.1B | — | — | — |
| Debt | 9.9T | 6.5T | 8.2T | 9.6T | -1.2% | 20.2T | — | — | — |
| Equity | 47.4T | 49.7T | 52.3T | 55.0T | 5.1% | — | — | — | — |
| Op CF | -176.5B | 3.9T | 19.0T | -1.9T | 391.3% | 16.3T | — | — | — |
| Inv CF | 3.2T | -957.4B | -19.3T | -4.3T | — | — | — | — | — |
| Fin CF | 291.5B | -3.7T | 1.6T | 139.5B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+2.3%
SMA 50SMA 200
Close
$0.0517
RSI (14)
50.0
52W High
$0.0703
From 52W High
0.7%
SCORE BREAKDOWN
Quality
43
ROIC (ROA)
1.3%*44.0
ROE
5.1%26.6
GP/Assets
4.0%N/A
Op. Margin
36.4%53.3
FCF/Assets
-1.0%N/A
Piotroski
446.2
Int. Cover
—50.0
D/E Ratio
0.17xN/A
Current Ratio
bankN/A
Value
80
P/E (TTM)
8.0x78.7
EV/EBITDA
bankN/A
P/FCF
bankN/A
P/B
0.4x94.9
P/S
2.2x73.0
Div Yield
5.5%68.6
Momentum
38
52W High %
73%19.0
RS 6M
10%72.4
SMA 50/200
0.93x14.1
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
3%29.8
FUNDAMENTALS
Market Cap
$1.2B
P/E (Forward)
7.9x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PNBN.JK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PNBN.JK | PT Bank Pan Indonesia Tbk(you) | $1.2B | 66 | Buy |
| PNLF.JK | PT Panin Financial Tbk | $415M | 65 | Buy |
| BNII.JK | PT Bank Maybank Indonesia Tbk | $835M | 83 | Strong Buy |
| NISP.JK | PT Bank OCBC NISP Tbk | $1.6B | 85 | Strong Buy |
| BBTN.JK | PT Bank Tabungan Negara (Persero) Tbk | $980M | 88 | Strong Buy |
| BDMN.JK | PT Bank Danamon Indonesia Tbk | $2.5B | 91 | Strong Buy |
| BTPS.JK | PT Bank BTPN Syariah Tbk | $457M | 88 | Strong Buy |
| BNGA.JK | PT Bank CIMB Niaga Tbk | $2.5B | 96 | Strong Buy |
| BBYB.JK | PT Bank Neo Commerce Tbk | $199M | 74 | Buy |
| MCOR.JK | PT Bank China Construction Bank Indonesia Tbk | $151M | 61 | Hold |
Peer medians: ROE 5.8% · P/E 9.4x · Gross margin 44.7%