PT Bank Pan Indonesia Tbk(ID:PNBN)
Rp710.00-10.00 (-1.39%)
ID:PNBN
PT Bank Pan Indonesia Tbk financials statements
Rp710.00
At close:-10.00 (-1.39%)
PT Bank Pan Indonesia Tbk (PNBN) Ratios
PT Bank Pan Indonesia Tbk Ratios
ID:PNBN's free cash flow for Q3 2026 was Rp2.20T. For the 2026 fiscal year, ID:PNBN's free cash flow was decreased by Rp-45.18B and operating cash flow was Rp2.24T. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.98 | 0.50 | 0.15 | 84.46 | 106.53 |
| Quick Ratio | 1.98 | 0.50 | 0.15 | 84.46 | 106.53 |
| Cash Ratio | 0.81 | 0.20 | 0.24 | 77.58 | 90.88 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.48 | 0.21 | 0.06 | -0.85 | 20.00 |
| Short-Term Operating Cash Flow Coverage | 0.48 | 0.76 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | Rp -161.57T | Rp -142.36T | Rp -158.38T | Rp -142.83T | Rp -139.78T |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.07 | 0.13 | 0.03 | 0.05 | 0.04 |
| Debt-to-Equity Ratio | 0.31 | 0.59 | 0.13 | 0.21 | 0.20 |
| Debt-to-Capital Ratio | 0.24 | 0.37 | 0.12 | 0.17 | 0.17 |
| Long-Term Debt-to-Capital Ratio | 0.13 | 0.10 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 4.32 | 4.66 | 4.47 | 4.48 | 4.50 |
| Debt Service Coverage Ratio | 0.23 | 0.11 | 0.65 | 0.99 | 0.50 |
| Interest Coverage Ratio | 0.59 | 0.56 | 0.70 | 1.03 | 0.52 |
| Debt to Market Cap | 0.65 | 0.69 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 978.82 | 1545.96 | 493.38 | 577.05 | 576.66 |
| Net Debt to EBITDA | 2.21 | 3.08 | -2.35 | -1.57 | -1.50 |
| Profitability Margins | |||||
| Gross Profit Margin | 53.66% | 61.11% | 66.00% | 73.78% | 71.37% |
| EBIT Margin | 26.64% | 21.74% | 23.85% | 27.09% | 15.02% |
| EBITDA Margin | 30.50% | 24.80% | 26.83% | 31.32% | 18.58% |
| Operating Profit Margin | 26.64% | 21.74% | 23.85% | 27.09% | 15.02% |
| Pretax Profit Margin | 26.64% | 21.74% | 23.85% | 27.09% | 15.02% |
| Net Profit Margin | 18.61% | 16.29% | 16.00% | 20.16% | 12.33% |
| Continuous Operations Profit Margin | 19.43% | 17.05% | 18.99% | 21.69% | 10.85% |
| Net Income Per EBT | 69.87% | 74.92% | 67.06% | 74.39% | 82.07% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.16% | 1.12% | 1.14% | 1.43% | 1.01% |
| Return on Equity (ROE) | 5.00% | 5.23% | 5.09% | 6.42% | 4.54% |
| Return on Capital Employed (ROCE) | 1.72% | 2.40% | 2.45% | 1.93% | 1.23% |
| Return on Invested Capital (ROIC) | 1.21% | 1.62% | 1.93% | 5.16% | 2.82% |
| Return on Tangible Assets | 1.16% | 1.13% | 1.14% | 1.43% | 1.01% |
| Earnings Yield | 10.58% | 6.11% | 8.69% | 8.20% | 11.13% |
| Efficiency Ratios | |||||
| Receivables Turnover | 9.81 | 10.18 | 9.40 | 13.94 | 15.29 |
| Payables Turnover | 20.64 | 18.58 | 24.03 | 17.69 | 31.64 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 1.48 | 1.69 | 1.58 | 1.48 | 1.57 |
| Asset Turnover | 0.06 | 0.07 | 0.07 | 0.07 | 0.08 |
| Working Capital Turnover Ratio | -0.79 | -0.32 | -0.81 | 0.87 | 1.02 |
| Cash Conversion Cycle | 19.53 | 16.21 | 23.64 | 5.56 | 12.33 |
| Days of Sales Outstanding | 37.21 | 35.85 | 38.82 | 26.19 | 23.87 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 17.68 | 19.65 | 15.19 | 20.63 | 11.54 |
| Operating Cycle | 37.21 | 35.85 | 38.82 | 26.19 | 23.87 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 169.45 | 789.69 | 160.72 | -7.90 | 125.81 |
| Free Cash Flow Per Share | 157.22 | 771.49 | 148.19 | -21.91 | 112.86 |
| Dividend Paid and CapEx Coverage Ratio | 2.91 | 43.41 | 7.82 | -0.23 | 9.72 |
| Capital Expenditure Coverage Ratio | 13.86 | 43.41 | 12.82 | -0.56 | 9.72 |
| Operating Cash Flow Coverage Ratio | 0.24 | 0.62 | 0.60 | -0.02 | 0.33 |
| Operating Cash Flow to Sales Ratio | 0.28 | 1.13 | 0.24 | -0.01 | 0.18 |
| Free Cash Flow Yield | 14.56% | 41.48% | 12.25% | -1.42% | 14.66% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.45 | 16.36 | 11.51 | 12.19 | 8.99 |
| Price-to-Sales (P/S) Ratio | 1.76 | 2.66 | 1.84 | 2.46 | 1.11 |
| Price-to-Book (P/B) Ratio | 0.47 | 0.86 | 0.59 | 0.78 | 0.41 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 6.87 | 2.41 | 8.17 | -70.29 | 6.82 |
| Price-to-Operating Cash Flow Ratio | 6.37 | 2.36 | 7.53 | -194.92 | 6.12 |
| Price-to-Earnings Growth (PEG) Ratio | 19.91 | 2.00 | -0.69 | 0.26 | -0.27 |
| Enterprise Value Multiple | 7.98 | 13.82 | 4.51 | 6.28 | 4.46 |
| Enterprise Value | 35.97T | 57.65T | 19.15T | 29.67T | 13.87T |
| EV to EBITDA | 7.98 | 13.82 | 4.51 | 6.28 | 4.46 |
| EV to Sales | 2.43 | 3.43 | 1.21 | 1.97 | 0.83 |
| EV to Free Cash Flow | 9.50 | 3.10 | 5.36 | -56.24 | 5.10 |
| EV to Operating Cash Flow | 8.82 | 3.03 | 4.95 | -155.96 | 4.58 |
| Tangible Book Value Per Share | 2413.90 | 2302.97 | 2191.58 | 2088.33 | 2002.64 |
| Shareholders’ Equity Per Share | 2283.73 | 2172.25 | 2063.50 | 1968.35 | 1887.15 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.27 | 0.22 | 0.20 | 0.20 | 0.28 |
| Revenue Per Share | 613.71 | 697.97 | 657.11 | 626.68 | 695.11 |
| Net Income Per Share | 114.24 | 113.67 | 105.11 | 126.31 | 85.69 |
| Tax Burden | 0.70 | 0.75 | 0.67 | 0.74 | 0.82 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.17 | 0.08 | 0.08 | 0.08 | 0.07 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.48 | 0.00 | 0.00 | -0.06 | 0.00 |
Currency in IDR
