Panin Financial

JKT:PNLF · ID1000095607

InsuranceMedium

360

Medium confidence — indicative

Value85

Profit price97

Cash yield1

Sales & asset price88

Price/Sales76

Price/Book100

Quality50

Returns on capital30

Profit margins—

Cash backing81

Cash Conversion80

Accruals71

Owner Earnings Margin93

Growth41

Sales growth—

Profit growth81

Reinvestment49

Price momentum18

Safety64

Debt load100

Debt serviceability—

Liquidity14

Sentiment46

Analyst ratings—

Expectations trend—

Market mood59

Value Creation13/20creating 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

Panin Financial 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

IndustryInsurance

SizeMedium

TypePublic Company

ExchangeIDX

Employees2

Websitepaninfinancial.co.id

ISINID1000095607

Last UpdateApr 2, 2026

Indices

IDX Composite (Indonesia)

Themes

InsurtechFinancial ServicesInsurance

Description

PT Panin Financial Tbk and its subsidiaries operates primarily in the financial services sector, providing a diverse range of products and services that cater to various market segments. The company is engaged in life insurance, banking, multi-financ…

Analysis

Bargain bin

PT Panin Financial Tbk is priced cheaply, and that invites the natural question of why, since the underlying business scores below average.

On valuation, the picture is attractive. The owner-earnings multiple stands at 2.3×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is sturdy. The company scores 13/20 on our value-creation score: creating some value.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

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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 →