GBAF Logo
Global Banking & Finance Awards® 2026 Nominations open, free to enter Nominate now →
P

Panin Financial Tbk PT PNLF.JK · IDR

Financials · IDX · 🇮🇩 Indonesia

Compare

155

-1.27%

Close of 9 Nov 2026, in IDR

Search any instrument

Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

Popular Bitcoin Ethereum Nvidia Apple S&P 500 Gold EUR/USD US 10Y

At a glance

Figures in IDR, from our data supplier.

FY2025

Net income

IDR 1.74trn

FY2016FY2025

Total assets

IDR 251.70trn

FY2016FY2025

Shareholders' equity

IDR 31.75trn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating incomeIDR 4.59trnIDR 4.26trnIDR 9.79trnIDR 8.83trnIDR 1.50trnIDR 2.04trnIDR 2.15trnIDR 2.00trnIDR 1.62trnIDR 1.68trn
Net incomeIDR 1.74trnIDR 1.66trnIDR 1.51trnIDR 2.02trnIDR 1.33trnIDR 1.86trnIDR 1.98trnIDR 1.83trnIDR 1.46trnIDR 1.54trn
Diluted earnings per share54.4751.9747.1763.0141.4758.0861.6957.1345.5247.97

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assetsIDR 251.70trnIDR 257.06trnIDR 234.49trnIDR 33.87trnIDR 33.19trnIDR 32.38trnIDR 30.29trnIDR 28.25trnIDR 26.47trnIDR 24.97trn
Cash and short-term investmentsIDR 12.21trnIDR 70.64trnIDR 20.94trnIDR 6.06trnIDR 8.19trnIDR 8.15trnIDR 6.40trnIDR 6.27trnIDR 6.12trnIDR 6.49trn
Total liabilitiesIDR 182.57trnIDR 191.94trnIDR 172.60trnIDR 4.19trnIDR 4.43trnIDR 4.54trnIDR 4.39trnIDR 4.48trnIDR 4.51trnIDR 4.60trn
DebtIDR 8.97trnIDR 150.96trnIDR 143.80trnIDR 145.03trnIDR 14.39bnIDR 19.18bn————
Shareholders' equityIDR 31.75trnIDR 29.45trnIDR 27.86trnIDR 27.81trnIDR 26.62trnIDR 25.69trnIDR 23.86trnIDR 21.79trnIDR 19.95trnIDR 18.45trn
Shares outstanding32,022m32,022m32,022m32,022m32,022m32,022m32,022m32,022m32,022m32,022m

Latest quarters

By quarter end

Jun 2026Mar 2026Dec 2025Sept 2025Jun 2025Mar 2025Dec 2024Sept 2024
Operating incomeIDR 553.98bnIDR 1.47trnIDR 1.40trnIDR 1.10trnIDR 985.36bnIDR 1.10trnIDR 1.91trnIDR 2.90trn
Net incomeIDR 12.63bnIDR 814.02bnIDR 463.01bnIDR 468.76bnIDR 371.37bnIDR 441.19bnIDR 367.48bnIDR 499.43bn
Diluted earnings per share0.3925.4114.4614.6411.6013.7811.4815.60
Total assetsIDR 243.09trnIDR 239.28trnIDR 251.70trnIDR 240.57trnIDR 241.55trnIDR 242.15trnIDR 257.06trnIDR 244.03trn
Cash and short-term investmentsIDR 11.28trnIDR 20.28trnIDR 12.21trnIDR 19.93trnIDR 49.83trnIDR 59.87trnIDR 70.64trnIDR 60.39trn
DebtIDR 7.94trnIDR 1.95trnIDR 8.97trnIDR 9.75trnIDR 6.86trnIDR 8.18trnIDR 8.11trnIDR 15.32trn
Shareholders' equityIDR 31.54trnIDR 31.51trnIDR 31.75trnIDR 31.15trnIDR 30.51trnIDR 29.96trnIDR 29.45trnIDR 29.33trn

Financial ratios

Data as of 26 Aug 2026

FY2025FY2024FY2023FY2022FY2021FY2020
Operating margin25.1%33.1%74.3%80.5%52.5%68.5%
Net margin9.5%12.9%11.5%18.4%46.5%62.4%
Return on equity5.5%5.7%5.4%7.3%5.0%7.2%
Return on assets0.7%0.6%0.6%6.0%4.0%5.7%
Revenue growth42.3%-2.4%20.1%284.5%-4.2%-34.0%
Earnings growth4.8%10.2%-25.1%51.9%-28.6%-5.9%
Current ratio0.08x11.00x5.43x36.34x54.66x32.59x
Debt to equity0.16x0.28x0.29x0.21x0.19x0.00x
Equity ratio12.6%11.5%11.9%82.1%80.2%79.3%
Interest coverage0.69x0.65x1.82x2.23x551.40x917.04x
Buybacks as a share of market value0.0%0.0%0.0%0.0%0.0%0.0%

Growth per year

Compound annual rate

3 years5 years10 years
Revenue18.6%43.8%15.4%
Operating income-19.6%17.6%15.9%
Net income-4.7%-1.3%6.8%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin28.4%49.6%50.7%47.0%
Net margin10.9%12.5%16.6%21.2%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings4.78.35.65.74.24.24.93.95.53.6
Price to sales0.51.10.61.01.92.62.11.61.61.2

Dividends and splits

Per share, in the currency the company pays

Paid for 0 years. Last went ex-dividend on 11 Jul 2022.

FY2022FY2005FY2003FY1998FY1997
Paid in the year10.0013.750.756.7799.039
  • 4-for-1 split · 28 Jul 2003
  • 1-to-1 reverse split · 24 Aug 2000
  • 1.072-for-1 split · 8 Dec 1999
  • 1.032-for-1 split · 13 Oct 1999
  • 1-to-1 reverse split · 26 Jun 1998
  • 2-for-1 split · 16 Dec 1996

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

Nothing here is investment advice. Prices can be delayed or wrong, so check with the exchange before relying on them. Data for this page. How we cover markets.