PNLF
Panin Financial Tbk.
196
09 Oct 2026
PER
2,96
PBV
0,09
ROE
6,67%
Current Ratio
—
DER
575,08%
Berdasarkan data Trailing Twelve Months (TTM).
Klasifikasi
Sektor
Keuangan
Sub Sektor
Asuransi
Industri
Asuransi
Sub Industri
Asuransi Jiwa
Business Line
—
Product & Commodity
—
Info Umum
Tanggal Pencatatan
—
Mata Uang
IDR
Website
https://www.paninfinancial.co.id
Email
—
Telepon
—
Alamat
Panin Life Center - 7th Floor Jl. Letjend. S. Parman Kav. 91, Jakarta
Tentang Perusahaan
PT Panin Financial Tbk provides business consulting, management, and administration services to the general public in Indonesia. It also offers life insurance products, including death, whole life, annuity, endowment, endowment combine, universal life, unit-linked, personal accident, and health; mutual funds; and term insurance products. The company was formerly known as PT Panin Life Tbk and changed its name to PT Panin Financial Tbk in January 2010. PT Panin Financial Tbk was founded in 1974 and is headquartered in Jakarta, Indonesia. PT Panin Financial Tbk is a subsidiary of PT Paninvest Tbk.
Rasio
Rasio Profitabilitas
Gross Profit Margin (TTM)
—
Operating Profit Margin (TTM)
—
Net Profit Margin (TTM)
18,42%
Management Effectiveness
ROA (TTM)
0,84%
ROE (TTM)
6,67%
Asset Turnover (TTM)
0,05x
Rasio Liquiditas & Leverage
Current Ratio
—
Quick Ratio
—
Debt to Equity Ratio (DER)
575,08%
Rasio Aktivitas
Perputaran Aset (TTM)
0,05x
Inventory Turnover (TTM)
—
Receivables Turnover (TTM)
2.864,64x
Valuasi
Current Valuation
Current PE Ratio (Annual)
3,60
Current PE Ratio (TTM)
2,96
Earning Yield (Annual)
27,79%
Earning Yield (TTM)
33,73%
Earning Yield (Greenblatt: EBIT/EV)
0,00%
Current Price to Book Value
0,09
Current Price to Sales (TTM)
0,55
Current Price to Cashflow (TTM)
1,99
EV to EBIT (TTM)
—
Fair Value (Graham Number)
1.792
Per Share
EPS (Annual)
54
EPS (TTM)
66
Book Value per Share
2.159
Revenue per Share (Annual)
348
Revenue per Share (TTM)
359
Cash Flow per Share (Annual)
-70
Cash Flow per Share (TTM)
98
Ukuran Perusahaan
Market Cap
6,28 T
Enterprise Value
35,84 T
Saham Beredar
32,02 M
Total Aset
251,70 T
Total Ekuitas
31,75 T
Free Cash Flow (Annual)
-2,23 T
Growth (TTM vs Tahun Terbaru)
Revenue Growth
3,27%
Gross Profit Growth
—
Net Income Growth
21,37%
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
Gagal
ROA membaik
Lulus
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)
1.792
Harga Saat Ini
196
Selisih
1.596
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
931,34 M
2018
0
2019
0
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Laba Bersih
1,83 T
2018
1,98 T
2019
1,86 T
2020
1,33 T
2021
2,02 T
2022
1,51 T
2023
1,54 T
2024
1,74 T
2025
Margin Laba Kotor
21,3%
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
41,8%
2018
43,7%
2019
62,4%
2020
46,5%
2021
18,4%
2022
11,5%
2023
14,4%
2024
15,7%
2025
Imbal Hasil Aset (ROA)
-
2018
-
2019
-
2020
-
2021
0,9%
2022
0,6%
2023
0,6%
2024
0,7%
2025
Imbal Hasil Ekuitas (ROE)
-
2018
-
2019
-
2020
-
2021
7,7%
2022
5,4%
2023
5,2%
2024
5,5%
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
628,3%
2022
614,2%
2023
648,9%
2024
575,1%
2025
Perputaran Aset
-
2018
-
2019
-
2020
-
2021
0,05x
2022
0,06x
2023
0,04x
2024
0,04x
2025
Perputaran Persediaan
-
2018
-
2019
-
2020
-
2021
-
2022
-
2023
-
2024
-
2025
Perputaran Piutang
-
2018
-
2019
-
2020
-
2021
37,22x
2022
36,59x
2023
34,38x
2024
2.773,83x
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 | 11.492.940.000.000 | 11.128.608.000.000 | 10.671.005.000.000 | 13.181.665.000.000 | 10.978.369.000.000 | 2.854.892.000.000 | 2.981.120.000.000 | 4.519.550.000.000 | 4.381.880.000.000 |
| Cost of Revenue | — | — | — | — | — | — | 0 | 0 | 3.450.550.000.000 |
| Gross Profit | — | — | — | — | — | — | 0 | 0 | 931.337.000.000 |
| Operating Expenses | 5.983.723.000.000 | 5.926.790.000.000 | 5.736.246.000.000 | 0 | 0 | — | 0 | 0 | 3.740.760.000.000 |
| Operating Income | — | — | — | — | — | — | 0 | 0 | 641.129.000.000 |
| EBIT | 0 | 0 | 0 | 9.787.506.000.000 | 8.832.204.000.000 | — | 0 | 0 | 641.129.000.000 |
| Income Before Tax | 4.954.422.000.000 | 4.587.645.000.000 | 3.986.888.000.000 | 4.405.601.000.000 | 4.874.744.000.000 | 1.498.712.000.000 | 2.042.250.000.000 | 2.150.530.000.000 | 2.120.030.000.000 |
| Net Income | 2.117.152.000.000 | 1.744.329.000.000 | 1.540.620.000.000 | 1.510.483.000.000 | 2.017.556.000.000 | 1.327.813.000.000 | 1.859.760.000.000 | 1.975.330.000.000 | 1.829.400.000.000 |
| Basic EPS | 66,11 | 54,47 | 48,11 | 47,17 | 63,10 | 41,47 | — | — | — |
| Item | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Total Aset | 251.704.899.000.000 | 256.910.951.000.000 | 234.336.796.000.000 | 224.412.397.000.000 |
| Aset Lancar | 0 | 0 | 0 | 0 |
| Kas | 16.792.230.000.000 | 22.477.746.000.000 | 20.940.789.000.000 | 20.837.759.000.000 |
| Piutang | 4.012.000.000 | 310.354.000.000 | 360.264.000.000 | 294.968.000.000 |
| Persediaan | — | — | — | — |
| Total Liabilitas | 182.571.591.000.000 | 191.665.915.000.000 | 172.102.182.000.000 | 165.567.508.000.000 |
| Liabilitas Lancar | — | — | — | — |
| Long Term Debt | 3.853.191.000.000 | 5.654.979.000.000 | 6.502.649.000.000 | 8.076.707.000.000 |
| Total Ekuitas | 31.747.186.000.000 | 29.536.327.000.000 | 28.022.073.000.000 | 26.351.283.000.000 |
| Working Capital | — | — | — | — |
| Item | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Kas dari Aktivitas Operasi | 9.751.701.000.000 | -1.795.658.000.000 | 19.042.371.000.000 | 3.778.818.000.000 | -675.317.000.000 |
| Kas dari Aktivitas Investasi | -16.684.853.000.000 | -5.331.745.000.000 | -19.181.188.000.000 | 188.103.000.000 | 1.782.968.000.000 |
| Kas dari Aktivitas Pembiayaan | 3.498.824.000.000 | 155.163.000.000 | 1.546.483.000.000 | -3.816.331.000.000 | -245.456.000.000 |
| Capital Expenditures | -544.986.000.000 | -432.148.000.000 | -439.906.000.000 | -306.657.000.000 | -366.895.000.000 |
| Arus Kas Bebas (FCF) | 9.206.715.000.000 | -2.227.806.000.000 | 18.602.465.000.000 | 3.472.161.000.000 | -1.042.212.000.000 |
| Dividen Dibayar | 0 | 0 | 0 | 0 | -320.221.000.000 |