PNIN
Paninvest Tbk.
675
09 Oct 2026
PER
2,55
PBV
0,04
ROE
4,82%
Current Ratio
—
DER
815,83%
Berdasarkan data Trailing Twelve Months (TTM).
Klasifikasi
Info Umum
Tanggal Pencatatan
—
Mata Uang
IDR
Website
https://www.paninvest.co.id
Email
—
Telepon
—
Alamat
Panin Bank Plaza - 6th Floor Jalan Palmerah Utara No. 52, Jakarta
Tentang Perusahaan
PT Paninvest Tbk provides life insurance products in Indonesia. It offers death, health, personal accident, combined endowment, unit link, and other insurance products. The company also provides business consulting and management, and general administration services, as well as management consulting services in the field of archives. In addition, it engages in the mutual funds business. The company was formerly known as Pt Panin Insurance Tbk and changed its name to PT Paninvest Tbk in May 2014. PT Paninvest Tbk was founded in 1973 and is headquartered in Jakarta, Indonesia.
Rasio
Rasio Profitabilitas
Gross Profit Margin (TTM)
—
Operating Profit Margin (TTM)
—
Net Profit Margin (TTM)
9,64%
Management Effectiveness
ROA (TTM)
0,43%
ROE (TTM)
4,82%
Asset Turnover (TTM)
0,04x
Rasio Liquiditas & Leverage
Current Ratio
—
Quick Ratio
—
Debt to Equity Ratio (DER)
815,83%
Rasio Aktivitas
Perputaran Aset (TTM)
0,04x
Inventory Turnover (TTM)
—
Receivables Turnover (TTM)
1.585,79x
Valuasi
Current Valuation
Current PE Ratio (Annual)
2,93
Current PE Ratio (TTM)
2,55
Earning Yield (Annual)
34,13%
Earning Yield (TTM)
39,22%
Earning Yield (Greenblatt: EBIT/EV)
0,00%
Current Price to Book Value
0,04
Current Price to Sales (TTM)
0,25
Current Price to Cashflow (TTM)
-27,09
EV to EBIT (TTM)
—
Fair Value (Graham Number)
10.189
Per Share
EPS (Annual)
230
EPS (TTM)
265
Book Value per Share
17.429
Revenue per Share (Annual)
2.683
Revenue per Share (TTM)
2.746
Cash Flow per Share (Annual)
-25
Cash Flow per Share (TTM)
-25
Ukuran Perusahaan
Market Cap
2,75 T
Enterprise Value
38,66 T
Saham Beredar
4,07 M
Total Aset
253,37 T
Total Ekuitas
22,37 T
Free Cash Flow (Annual)
-101,37 M
Growth (TTM vs Tahun Terbaru)
Revenue Growth
2,34%
Gross Profit Growth
—
Net Income Growth
15,00%
Screening ala Graham
5 / 9
Bukan Saham Teknologi
Lulus
Termasuk Sektor Keuangan
Lulus
Revenue Lebih dari Rp175 Miliar
Lulus
Current Ratio > 2
Gagal
Utang Jangka Panjang < Modal Kerja Bersih
Gagal
PER Wajar (< 15)
Lulus
PER x PBV < 22
Lulus
DER Rendah (< 100%)
Gagal
Membagikan Dividen
Gagal
Checklist ala kriteria defensive investor Benjamin Graham — bukan rekomendasi investasi, semata analisis kuantitatif berdasarkan data laporan keuangan terakhir.
Piotroski F-Score
5 / 9
Arus kas operasi positif
Lulus
ROA membaik
Gagal
Rasio utang jangka panjang menurun
Lulus
Kualitas laba (OCF > laba bersih)
Gagal
Laba bersih positif
Lulus
Jumlah saham tidak bertambah
Lulus
Gross margin membaik
Gagal
Current ratio membaik
Gagal
Asset turnover membaik
Lulus
Altman Z-Score
Data belum cukup untuk menghitung Altman Z-Score.
Graham Valuation
Fair Value (Graham Number)
10.189
Harga Saat Ini
675
Selisih
9.514
Status Kuartal Terkini
Checklist fundamental berbasis TTM & laporan tahunan — label berwarna berarti kriteria terpenuhi.
Kinerja Dasar
Laba
Laba Naik
Laba Naik < 20%
Penjualan Turun < 20%
Hutang Turun < 20%
Pertumbuhan Rata-rata (CAGR)
Modal Naik Rata2 > 10%
Modal Naik Rata2 > 20%
Modal Naik Rata2 > 40%
Penjualan Naik Rata2 > 10%
Laba Naik Rata2 > 20%
Solvabilitas
DER < 0.5x
DER < 1x
Likuiditas
Aset Lancar > Hutang Lancar
Profitabilitas
ROE > 10%
Margin Laba Kotor > 20%
Margin Laba Kotor > 40%
Margin Laba Kotor > 60%
Margin Laba Kotor > 80%
Margin Laba Operasi > 10%
Margin Laba Operasi > 20%
Margin Laba Bersih > 10%
Margin Laba Bersih > 20%
Margin Laba Bersih > 30%
Valuasi
Nilai Buku < Harga
Laba Kotor
1,10 T
2018
0
2019
0
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Laba Bersih
1,27 T
2018
1,38 T
2019
1,05 T
2020
819,32 M
2021
1,86 T
2022
888,81 M
2023
1,30 T
2024
936,69 M
2025
Margin Laba Kotor
24,1%
2018
0,0%
2019
0,0%
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Margin Laba Operasi
14,6%
2018
0,0%
2019
0,0%
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Margin Laba Bersih
27,8%
2018
29,6%
2019
35,4%
2020
28,7%
2021
16,4%
2022
8,5%
2023
11,8%
2024
8,6%
2025
Imbal Hasil Aset (ROA)
-
2018
-
2019
-
2020
-
2021
0,8%
2022
0,4%
2023
0,5%
2024
0,4%
2025
Imbal Hasil Ekuitas (ROE)
-
2018
-
2019
-
2020
-
2021
9,8%
2022
4,5%
2023
5,8%
2024
4,2%
2025
Current Ratio
-
2018
-
2019
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Quick Ratio
-
2018
-
2019
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Debt to Equity Ratio (DER)
-
2018
-
2019
-
2020
-
2021
870,9%
2022
861,2%
2023
850,4%
2024
815,8%
2025
Perputaran Aset
-
2018
-
2019
-
2020
-
2021
0,05x
2022
0,04x
2023
0,04x
2024
0,04x
2025
Perputaran Persediaan
-
2018
-
2019
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Perputaran Piutang
-
2018
-
2019
-
2020
-
2021
38,54x
2022
29,15x
2023
690,24x
2024
1.549,60x
2025
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 | 11.170.292.000.000 | 10.915.370.000.000 | 11.015.598.000.000 | 10.502.485.000.000 | 11.366.596.000.000 | 2.850.555.000.000 | 2.975.440.000.000 | 4.668.570.000.000 | 4.545.430.000.000 |
| Cost of Revenue | — | — | — | — | — | — | 0 | 0 | 3.449.980.000.000 |
| Gross Profit | — | — | — | — | — | — | 0 | 0 | 1.095.450.000.000 |
| Operating Expenses | — | — | — | — | — | — | 0 | 0 | 3.881.840.000.000 |
| Operating Income | — | — | — | — | — | — | 0 | 0 | 663.592.000.000 |
| EBIT | 0 | 0 | 0 | 9.722.323.000.000 | 9.252.749.000.000 | — | 0 | 0 | 663.592.000.000 |
| Income Before Tax | 4.572.857.000.000 | 4.423.081.000.000 | 4.259.987.000.000 | 4.340.418.000.000 | 5.295.289.000.000 | 1.488.683.000.000 | 1.933.520.000.000 | 2.295.790.000.000 | 2.142.500.000.000 |
| Net Income | 1.077.147.000.000 | 936.689.000.000 | 1.295.764.000.000 | 888.811.000.000 | 1.858.432.000.000 | 819.323.000.000 | 1.051.980.000.000 | 1.379.390.000.000 | 1.265.050.000.000 |
| Basic EPS | 264,72 | 230,40 | 318,50 | 218,47 | 125,81 | 201,39 | — | — | — |
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total Aset | 253.368.900.000.000 | 260.242.572.000.000 | 236.062.172.000.000 | 226.231.385.000.000 |
| Aset Lancar | 0 | 0 | 0 | 0 |
| Kas | 16.495.351.000.000 | 23.250.830.000.000 | 21.766.237.000.000 | 21.612.341.000.000 |
| Piutang | 7.044.000.000 | 15.959.000.000 | 360.264.000.000 | 294.968.000.000 |
| Persediaan | — | — | — | — |
| Total Liabilitas | 182.463.247.000.000 | 191.660.373.000.000 | 172.090.726.000.000 | 165.562.459.000.000 |
| Liabilitas Lancar | — | — | — | — |
| Long Term Debt | 3.853.191.000.000 | 5.654.979.000.000 | 8.144.012.000.000 | 8.076.707.000.000 |
| Total Ekuitas | 22.365.267.000.000 | 22.538.802.000.000 | 19.982.097.000.000 | 19.009.771.000.000 |
| Working Capital | — | — | — | — |
| Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Kas dari Aktivitas Operasi | 10.887.448.000.000 | 330.707.000.000 | 17.151.238.000.000 | 3.803.053.000.000 | -1.525.236.000.000 | 0 |
| Kas dari Aktivitas Investasi | -17.877.907.000.000 | -7.483.463.000.000 | -17.226.712.000.000 | 214.925.000.000 | 1.966.504.000.000 | 0 |
| Kas dari Aktivitas Pembiayaan | 3.498.824.000.000 | 155.163.000.000 | 1.546.675.000.000 | -3.816.522.000.000 | 74.765.000.000 | 0 |
| Capital Expenditures | -544.914.000.000 | -432.076.000.000 | -439.906.000.000 | -306.657.000.000 | -366.895.000.000 | 0 |
| Arus Kas Bebas (FCF) | 10.342.534.000.000 | -101.369.000.000 | 16.711.332.000.000 | 3.496.396.000.000 | -1.892.131.000.000 | 0 |
| Dividen Dibayar | 0 | 0 | 0 | 0 | -752.362.000.000 | -161.362.000.000 |