Bank Panin Dubai Syariah

JKT:PNBS · ID1000130701

BanksSmall

360

Medium confidence — indicative

Value55

Profit price7

Cash yield1

Sales & asset price60

Price/Sales35

EV / Gross Profit69

Price/Book75

Quality8

Returns on capital11

Profit margins—

Cash backing65

Cash Conversion90

Accruals89

Owner Earnings Margin16

Growth34

Sales growth98

Profit growth10

Reinvestment50

Price momentum49

Safety54

Debt load80

Debt serviceability30

Liquidity8

Sentiment—

Analyst ratings—

Expectations trend—

Market mood1

Value Creation10/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

Bank Panin Dubai Syariah clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryIndonesia

IndustryBanks

SizeSmall

TypePublic Company

ExchangeIDX

Employees294

Websitepaninbanksyariah.co.id

ISINID1000130701

Last UpdateApr 2, 2026

Indices

IDX Composite (Indonesia)

Themes

Consumer LendingBankingFinancial Services

Description

PT Bank Panin Dubai Syariah Tbk a financial institution that operates in the financial and commercial sharia banking industry. The company is a subsidiary of PT Bank Pan Indonesia Tbk. Loans The company offers a range of financing solutions to meet…

Analysis

Weak and unloved

PT Bank Panin Dubai Syariah Tbk is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is expensive. You pay 44.8× its owner earnings: the cash an owner could take out each year, which is in the historically expensive zone.

The trajectory is tepid and the balance sheet is adequate. The company scores 10/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →