Financials / Banks - RegionalUpdated 2026-05-10 22:07 UTC

IDX/PNLF stock hub

IDX/PNLF has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

8.7T

Indonesia Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

IDX/PNLF

In the news

Latest news · IDX/PNLF

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 6.6P50 8.2P75 11.8

Trailing P/E4.1

P25 7.4P50 15.3P75 42.5

ROE5.8

P25 1.9P50 5.2P75 9.9

ROICn/a

P25 0.9P50 3.8P75 6.9

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All IDX/PNLF market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

189

Groups with data

Currency

IDR

Showing 189 of 189 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Indonesia
Country code	ID
Employees	10,504
Employees Change	-714%
Employees Change Percent	-6.36
Exchange	Indonesia Stock Exchange
Financial currency	IDR
First seen	2026-05-10
Industry	Banks - Regional
Isin	ID1000095607
Last refreshed	2026-05-10
Market cap	IDR 8.7T
Price	IDR 272
Price currency	IDR
Rev Per Employee	1,030,151,370.91x
Sector	Financials
Sic	6311
Symbol	idx/PNLF
Website	https://www.paninfinancial.co.id

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	24.32%
FCF yield	85.47%
P/B ratio	0.13x
P/E ratio	4.11x
P/S ratio	0.8x
PE Ratio10 Y	5.35x
PE Ratio3 Y	6.06x
PE Ratio5 Y	6.02x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	68.77%
Gross Profit	IDR 10.8T
Net Income	IDR 2.1T
Net Income Growth	35.46%
Net Income Growth Q	84.5%
Net Income Growth Quarters	1%
Net Income Growth Years	2%
Net Income Growth3 Y	2.64%
Net Income Growth5 Y	3.01%
Pretax Margin	46.1%
Profit Margin	19.57%
Profit Per Employee	IDR 201.6M
Profitable Years	19
ROA	1.62
Roa5y	2.4
ROE	5.78
Roe5y	6.18

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	5%
Cagr15y	2.51%
Cagr1y	-28.06%
Cagr20y	2.11%
Cagr3y	-0.96%
Cagr5y	7.95%
Div CAGR10	0%
Div CAGR5	0%
EPS Growth	35.49
EPS Growth Q	84.5
EPS Growth Quarters	1
EPS Growth Years	2
EPS Growth3 Y	2.64
EPS Growth5 Y	3.02
FCF Growth5 Y	353.44%
OCF Growth10 Y	33.98%
OCF Growth5 Y	306.31%
Revenue Growth	12.53x
Revenue Growth Q	10.07x
Revenue Growth Quarters	3x
Revenue Growth Years	0x
Revenue Growth3 Y	-4.79x
Revenue Growth5 Y	50.98x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	IDR 239.3T
Cash	IDR 31.3T
Debt	IDR 12.1T
Debt FCF	IDR 1.63
Equity	IDR 68.5T
Liabilities	IDR 170.7T
Net Cash	IDR 19.2T
Net Cash By Market Cap	IDR 220
Net Cash Growth	16.24%
Net Debt Equity	IDR -0.28
Net Debt FCF	IDR -2.57
Tangible Book Value	IDR 30.9T
Tangible Book Value Per Share	IDR 964
WACC	0.57

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	IDR -105.9T

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	0.03%
Dividend per share	IDR 0
Last Dividend	IDR 10

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	62.85%
1Y total return	-28.04%
200-day SMA	256.8
3Y total return	-2.86%
50-day SMA	249.8
50-day SMA vs 200-day SMA	50under200
5Y total return	46.57%
All Time High	5,794.9
All Time High Change	-95.31%
All Time High Date	1992-01-13
All Time Low	54
All Time Low Change	403.7%
All Time Low Date	2009-03-12
ATR	10.86
Beta	-0.53
Beta1y	0.72
Beta2y	0.71
Ch YTD	5.43
High	280
High52	384
High52 Date	2025-05-08
High52ch	-30.96%
Low	260
Low52	222
Low52 Date	2025-10-15
Low52ch	22.52%
Ma50ch	8.9%
Price vs 200-day SMA	5.94%
RSI	63.23
RSI Monthly	46.96
RSI Weekly	52.46
Sharpe ratio	-0.24x
Sortino ratio	-0.25
Total Return	0.03%
Tr YTD	5.43
Tr15y	45.04%
Tr1m	17.24%
Tr1w	7.94%
Tr3m	-1.45%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	IDR 5.2T
Operating margin	47.9

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	9,322,366,533%
Net Borrowing	3,536,451,000,000
Shares Insiders	2.98%
Shares Institutions	10.26%
Shares Out	32,006,300,393
Shares Qo Q	0%
Shares Yo Y	-0.03%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	IDR 7.4T
Average Volume	62,751,780x
Bv Per Share	984.1
CAPEX	IDR -239.3B
Ch10y	59.06
Ch15y	41.67
Ch1m	17.24
Ch1w	7.94
Ch1y	-28.04
Ch20y	36
Ch3m	-1.45
Ch3y	-2.86
Ch5y	43.16
Ch6m	15.25
Change	1.49%
Change From Open	2.26
Close	268
Days Gap	-0.75
Dollar Volume	74,555,091,200
Earnings Date	2026-05-13
EPS	IDR 66.12
F Score	4
FCF	IDR 7.4T
FCF Per Share	IDR 232
Financing CF	-1,323,181,000,000
Fiscal Year End	December
Founded	1,974
Graham Number	1209.9843
Graham Upside	344.8
Income Tax	IDR 1.1T
Investing CF	-5,230,879,000,000
Is Primary Listing	1
Last Earnings Date	2025-10-31
Last Report Date	2026-03-31
Lynch Fair Value	IDR 331
Lynch Upside	21.55
Ma150	256.6
Ma150ch	6.01%
Ma20	251
Ma20ch	8.37%
Net CF	1,290,906,000,000
Next Earnings Date	2026-05-13
Open	266
P FCF Ratio	1.17
P OCF Ratio	1.13
Position In Range	60
Ppne	10,153,979,000,000
Price Date	2026-05-08
Ptbv Ratio	0.28
Relative Volume	4.74x
Revenue	10,820,710,000,000x
Tax By Revenue	10.12x
Tax Rate	21.95%
Tr20y	51.9%
Tr6m	15.25%
Volume	274,099,600

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

Does IDX/PNLF pay a dividend?

Capital-return profile for this ticker.

Performance

IDX/PNLF stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns IDX/PNLF?

Insider, institutional, and short-interest positioning.

Institutional ownership

+10.3%

Share of float held by funds and institutions

Insider ownership

+3.0%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-0.0%

Negative means the company is buying back shares.

Technical

IDX/PNLF momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

63.2

Neutral momentum band

Price vs 200-day MA

+5.9%

50/200-day relationship not available

Beta (5Y)

-0.53

Less volatile than the market

Sharpe ratio

-0.24

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About IDX/PNLF

Hub-level FAQ points readers to the deeper analysis pages.

What is the current idx/PNLF stock rating?

idx/PNLF is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full idx/PNLF analysis?

The full report lives at /stocks/idx/PNLF/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for idx/PNLF?

The latest report frames idx/PNLF around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the idx/PNLF page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.