Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
PNLF.JK
BuyBargain BinPT Panin Financial Tbk · Financial Services · Indonesia · $415M · Avg Vol: $328K/d
65
StockRankGet insider-trade alerts
Q
47
V
84
M
29
P/E (TTM)
3.4x
ROE
5.2%
D/E
0.3x
Dividend %
—
COMPANY DESCRIPTION
PT Panin Financial Tbk provides Sharia banking and financial services in Indonesia. It operates in two segments, Life Insurance and Business Consulting Service; and Banking and Multi-finance.
FINANCIAL SUMMARY (IDR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 11.0T | 13.2T | 10.7T | 11.1T | 0.5% | 9.7T |
| EPS (IDR) | 63.10 | 47.17 | 48.11 | 54.47 | -4.8% | 66.12 |
| Shares | 32.0B | 32.0B | 32.0B | 32.0B | 0.0% | 32.0B |
| Debt | 8.1T | 6.5T | 8.1T | 9.0T | 3.5% | 19.3T |
| Equity | 26.4T | 28.0T | 29.5T | 31.7T | 6.4% | — |
| Op CF | -675.3B | 3.8T | 19.0T | -1.8T | 403.9% | 16.5T |
| Inv CF | 1.8T | 188.1B | -19.2T | -5.3T | — | — |
| Fin CF | -245.5B | -3.8T | 1.5T | 155.2B | — | — |
Loading 1Y...
PRICE (1Y)+0.9%
SMA 50SMA 200
Close
$0.0129
RSI (14)
33.3
52W High
$0.0191
From 52W High
0.7%
SCORE BREAKDOWN
Quality
47
ROIC (ROA)
1.5%*48.7
ROE
5.2%27.0
GP/Assets
3.8%N/A
Op. Margin
29.6%46.2
FCF/Assets
-0.9%N/A
Piotroski
567.4
Int. Cover
—50.0
D/E Ratio
0.28xN/A
Current Ratio
bankN/A
Value
84
P/E (TTM)
3.4x97.0
EV/EBITDA
bankN/A
P/FCF
bankN/A
P/B
0.2x98.9
P/S
0.7x93.1
Div Yield
—N/A
Momentum
29
52W High %
68%14.4
RS 6M
8%67.7
SMA 50/200
0.91x11.4
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
-97%0.5
FUNDAMENTALS
Market Cap
$415M
P/E (Forward)
—
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PNLF.JK are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| PNLF.JK | PT Panin Financial Tbk(you) | $415M | 65 | Buy |
| PNBN.JK | PT Bank Pan Indonesia Tbk | $1.2B | 66 | Buy |
| BBYB.JK | PT Bank Neo Commerce Tbk | $199M | 74 | Buy |
| MCOR.JK | PT Bank China Construction Bank Indonesia Tbk | $151M | 61 | Hold |
| BTPS.JK | PT Bank BTPN Syariah Tbk | $457M | 88 | Strong Buy |
| DNAR.JK | PT Bank Oke Indonesia Tbk | $132M | 61 | Hold |
| BJTM.JK | PT Bank Pembangunan Daerah Jawa Timur Tbk | $452M | 94 | Strong Buy |
| BNII.JK | PT Bank Maybank Indonesia Tbk | $835M | 83 | Strong Buy |
| NOBU.JK | PT Bank Nationalnobu Tbk | $234M | 86 | Strong Buy |
| BGTG.JK | PT Bank Ganesha Tbk | $163M | 49 | Hold |
Peer medians: ROE 5.8% · P/E 9.4x · Gross margin 44.7%