Bank Pan Indonesia Tbk
830
09 Oct 2026
PER
7,31
PBV
0,34
ROE
4,97%
Current Ratio
—
DER
324,79%
Berdasarkan data Trailing Twelve Months (TTM).
Klasifikasi
Info Umum
Tentang Perusahaan
P.T. Bank Pan Indonesia Tbk together with its subsidiaries, provides banking products and services for individuals and businesses in Indonesia and internationally. It operates through Banking and Multi-finance segments. The company offers savings and current accounts, accounts for investment at capital market, and savings plans and time deposits. It also provides mortgage, car, personal, commercial, corporate, and syndicate loans; and education, marriage, home renovation, furniture purchases, vehicle purchases, and holiday loans, as well as multi-purpose credit facility and credit cards. In addition, the company offers forward transaction, foreign exchange, today, tomorrow, spot, and forex swap transaction services; and phone, mobile, and internet banking, as well as automated teller machine services. Further, it offers custodial services consisting of handling the settlement of securities transaction, safekeeping and administration of securities, and other related services, such as corporate actions, payments of coupon, dividends, bonus payments, payments of securities at maturity date, and others; and mutual funds, bancassurance products, and bonds, as well as risk profiles. Additionally, the company provides bank drafts, safe deposit boxes, and letters of credit; and export and import, bank draft, collection, domestic and fund transfer, remittance, cash management, and sharia banking and financing services. It operates 57 branch offices in Indonesia and 1 representative office in Singapore. P.T. Bank Pan Indonesia Tbk was founded in 1971 and is headquartered in Jakarta, Indonesia.
Rasio
Rasio Profitabilitas
Management Effectiveness
Rasio Liquiditas & Leverage
Rasio Aktivitas
Valuasi
Current Valuation
Per Share
Ukuran Perusahaan
Growth (TTM vs Tahun Terbaru)
Screening ala Graham
6 / 9Checklist ala kriteria defensive investor Benjamin Graham — bukan rekomendasi investasi, semata analisis kuantitatif berdasarkan data laporan keuangan terakhir.
Piotroski F-Score
4 / 9Altman Z-Score
Data belum cukup untuk menghitung Altman Z-Score.
Graham Valuation
Status Kuartal Terkini
Checklist fundamental berbasis TTM & laporan tahunan — label berwarna berarti kriteria terpenuhi.
Kinerja Dasar
Pertumbuhan Rata-rata (CAGR)
Solvabilitas
Likuiditas
Profitabilitas
Valuasi
Laba Kotor
Laba Bersih
Margin Laba Kotor
Margin Laba Operasi
Margin Laba Bersih
Imbal Hasil Aset (ROA)
Imbal Hasil Ekuitas (ROE)
Current Ratio
Quick Ratio
Debt to Equity Ratio (DER)
Perputaran Aset
Perputaran Persediaan
Perputaran Piutang
Tren historis per tahun buku berdasarkan laporan laba rugi & neraca yang tersedia. Batang berwarna merah menandakan nilai negatif.
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 10.429.272.000.000 | 10.400.214.000.000 | 10.274.242.000.000 | 10.446.310.000.000 | 11.133.858.000.000 | 11.947.323.000.000 | 11.649.500.000.000 | 9.331.220.000.000 | 9.494.560.000.000 |
| Cost of Revenue | — | — | — | — | — | — | 0 | 169.222.000.000 | 158.436.000.000 |
| Gross Profit | — | — | — | — | — | — | 0 | 9.162.000.000.000 | 9.336.130.000.000 |
| Operating Expenses | 5.979.496.000.000 | 5.889.572.000.000 | 5.716.711.000.000 | 5.345.511.000.000 | 5.080.836.000.000 | 4.866.047.000.000 | 5.475.800.000.000 | 4.865.930.000.000 | 5.048.290.000.000 |
| Operating Income | — | — | — | — | — | — | 0 | 4.465.290.000.000 | 4.446.280.000.000 |
| EBIT | — | — | — | — | — | — | 0 | 0 | 0 |
| Income Before Tax | 3.945.808.000.000 | 3.935.989.000.000 | 3.654.894.000.000 | 3.775.726.000.000 | 4.088.893.000.000 | 2.514.336.000.000 | 4.071.790.000.000 | 4.595.620.000.000 | 4.572.780.000.000 |
| Net Income | 2.733.063.000.000 | 2.750.044.000.000 | 2.738.143.000.000 | 2.531.895.000.000 | 3.041.676.000.000 | 2.063.473.000.000 | 3.103.250.000.000 | 3.316.840.000.000 | 3.112.580.000.000 |
| Basic EPS | 113,55 | 114,24 | 113,70 | 105,11 | 126,28 | 85,67 | — | — | — |
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total Aset | 237.326.686.000.000 | 243.958.575.000.000 | 222.010.050.000.000 | 212.431.881.000.000 |
| Aset Lancar | 0 | 0 | 0 | 0 |
| Kas | 12.081.855.000.000 | 17.854.977.000.000 | 16.501.339.000.000 | 17.351.786.000.000 |
| Piutang | — | — | — | — |
| Persediaan | — | — | — | — |
| Total Liabilitas | 178.553.673.000.000 | 187.888.959.000.000 | 168.697.565.000.000 | 161.715.787.000.000 |
| Liabilitas Lancar | — | — | — | — |
| Long Term Debt | 9.572.108.000.000 | 8.221.144.000.000 | 6.502.649.000.000 | 9.938.685.000.000 |
| Total Ekuitas | 54.975.014.000.000 | 52.324.350.000.000 | 49.704.816.000.000 | 47.400.896.000.000 |
| Working Capital | — | — | — | — |
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Kas dari Aktivitas Operasi | 9.633.965.000.000 | -1.881.739.000.000 | 19.021.692.000.000 | 3.871.484.000.000 | -176.457.000.000 | 0 |
| Kas dari Aktivitas Investasi | -15.997.156.000.000 | -4.271.924.000.000 | -19.293.524.000.000 | -957.417.000.000 | 3.176.718.000.000 | 0 |
| Kas dari Aktivitas Pembiayaan | 3.483.119.000.000 | 139.458.000.000 | 1.610.013.000.000 | -3.717.359.000.000 | 291.513.000.000 | 0 |
| Capital Expenditures | -548.894.000.000 | -434.446.000.000 | -438.223.000.000 | -301.934.000.000 | -351.156.000.000 | 0 |
| Arus Kas Bebas (FCF) | 9.085.071.000.000 | -2.316.185.000.000 | 18.583.469.000.000 | 3.569.550.000.000 | -527.613.000.000 | 0 |
| Dividen Dibayar | 0 | -1.009.581.000.000 | 0 | -193.310.000.000 | -481.075.000.000 | 0 |