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PT Panin Financial Tbk

PT Panin Financial Tbk

IIDX:PNLF
168.00
IDR
0.00
(0.00%)
6.92TMarket Cap
PT Panin Financial Tbk
IDX:PNLF
(Indonesia Stock Exchange)

Recent

price

168.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
IDR
100.27
105.51
90.33
128.9
156.32
136.85
140.17
159.38
137.54
141.14
93.1
89.15
342.84
411.64
333.24
347.53
- -
Revenue per Share
29.62
36.71
39.76
41.59
44.4
28.27
47.97
45.52
57.13
61.69
58.08
41.47
63.01
47.17
48.11
54.47
- -
Basic EPS, GAAP
-2.25
30.38
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
580.93
-69.57
- -
Free Cash Flow per Basic Share
-2.29
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
10
- -
- -
- -
- -
Dividend per Share
241.49
256.45
296.8
386.76
402.1
430.45
576.29
623.02
680.56
745.06
802.22
786.67
822.91
875.09
922.37
991.42
985.1
Book Value per Share
241.49
256.45
296.71
386.76
390.33
419.48
566.17
613.69
672.06
737.14
794.92
776.64
809.6
858.77
903.74
970.67
965.16
Tangible Book Value per Share
24,042
24,181
27,958
28,157
29,309
32,022
32,022
32,022
32,022
32,022
32,022
32,022
32,022
32,022
32,022
32,022
32,022
Basic Weighted Avg Shares
2,410,642
2,551,319
2,525,315
3,629,443
4,581,651
4,382,291
4,488,424
5,103,554
4,404,305
4,519,546
2,981,118
2,854,892
10,978,369
13,181,665
10,671,005
11,128,608
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
37.4
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
4,092
8,095
4,604
7,524
7,343
9,794
9,963
11,518
10,342
12,298
9,890
556,671
471,215
523,101
571,071
580,064
Depreciation Expense
712,196
887,621
1,111,486
1,171,119
1,301,179
905,401
1,536,075
1,457,567
1,829,402
1,975,327
1,859,764
1,327,813
2,017,556
1,510,483
1,540,620
1,744,329
- -
Net Income, GAAP
1.87
- -
- -
0.26
0.35
0.02
0.03
0.79
0.09
0.15
0.14
0.16
16.37
18.12
18.44
23.47
- -
Effective Tax Rate (%)
29.54
34.79
44.01
32.27
28.4
20.66
34.22
28.56
41.54
43.71
62.38
46.51
18.38
11.46
14.44
15.67
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
1,468,461
- -
- -
- -
- -
- -
- -
- -
- -
14,992
7,175,468
8,086,237
6,509,213
8,105,528
8,969,614
11,730,400
LT Debt
5,787,102
7,169,766
8,297,851
12,568,898
14,633,522
15,640,436
20,378,069
21,962,933
23,770,583
25,894,984
27,845,258
56,686,027
58,844,889
62,234,614
65,245,036
69,133,308
67,989,524
Total Equity
- -
- -
- -
- -
- -
- -
9.32
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
13.46
10.98
11.9
11.01
8.63
5.04
7.74
6.17
7.28
7.26
6.25
2.53
5
5.63
-0.24
-0.03
- -
Return on Capital (%)
13.46
13.7
14.37
12.19
10.94
6.79
9.53
7.59
8.77
8.65
7.51
5.22
7.83
5.56
5.35
5.69
- -
Return on Common Equity (%)

Capital Structure

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
3,178
- -
- -
LT Borrowings
3,853,191
- -
- -
LT Finance Leases
16,566
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
32,022
32,022
32,022
Market Capitalization
8,261,695
7,493,165
6,916,768

Working Capital

IDR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
70,593,579
20,277,578
15,682,106
Accounts Receivable, Net
4,012
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
3,178
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

IDR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
18.67%
24.79%
5.96%
Free Cash Flow
- -
- -
-111.98%
Net Income, GAAP
10.56%
2.69%
13.22%
Sales/Revenue/Turnover
25.66%
57.13%
4.29%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,474,591
3,117,258
3,138,360
3,376,606
10,671,005
2025
2,877,439
3,267,639
- -
2,049,014
11,128,608
2026
3,241,771
2,174,994
- -
- -
- -

Quarterly Earnings Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
13.08
11.82
15.6
11.48
48.11
2025
13.78
11.6
- -
14.46
54.47
2026
25.42
0.39
- -
- -
- -

Quarterly Dividends Per Share

IDR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
PT Panin Financial Tbk provides business consulting services, management, and administration to the general public in Indonesia. The company operates through two primary segments, Life Insurance and Business Consulting Service; and Banking and Multi-finance; offering life insurance products including death, whole life, annuity, endowment, endowment combine, universal life, unit-linked (conventional and sharia), personal accident, health, credit life, credit shield (for house loan, car loan, property loan, personal loan, and credit card), traditional products (education/retirement plan and hospital cash plan), and digital marketing products; mutual funds; financial advisory services; investing activities; management consulting in archives; and services such as customer database updates, Mobile Application Connect 2.0, E-Policy, and claim guidelines. Subsidiaries include PT Panin Dai-ichi Life, which focuses on life insurance; PT Bank Pan Indonesia Tbk, engaged in banking; and PT Panin Internasional, specializing in archive management consulting. Founded in 1974 as PT Panin Life Tbk and listed on the Indonesia Stock Exchange in 1983, the company changed its name and shifted its primary business model to consulting services in 2010, transferring the life insurance operations to subsidiaries; it is headquartered at Gedung Panin Bank Pusat, 8th Floor, Jl. Jend. Sudirman Kav.1, Central Jakarta, and serves as a subsidiary of PT Paninvest Tbk. Recent developments include ongoing interest from international banks such as DBS Group, OCBC, CIMB, and Japanese institutions in acquiring a controlling stake in subsidiary PT Bank Pan Indonesia Tbk, with ANZ offering its 38.8% stake and the Gunawan family considering sale of portions of their 46% holding as of late 2024.