Bank Pan Indonesia Past Earnings Performance
Past criteria checks 1/6
Bank Pan Indonesia's earnings have been declining at an average annual rate of -6.1%, while the Banks industry saw earnings growing at 17.4% annually. Revenues have been declining at an average rate of 0.9% per year. Bank Pan Indonesia's return on equity is 4.4%, and it has net margins of 25.7%.
Key information
-6.1%
Earnings growth rate
-6.1%
EPS growth rate
| Banks Industry Growth | 10.6% |
| Revenue growth rate | -0.9% |
| Return on equity | 4.4% |
| Net Margin | 25.7% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Bank Pan Indonesia makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 8,961,212 | 2,304,208 | 4,706,453 | 0 |
| 30 Jun 24 | 8,447,594 | 2,068,523 | 4,553,181 | 0 |
| 31 Mar 24 | 9,399,549 | 2,629,581 | 4,450,832 | 0 |
| 31 Dec 23 | 9,013,178 | 2,531,895 | 4,331,038 | 0 |
| 30 Sep 23 | 9,585,474 | 3,041,800 | 4,314,252 | 0 |
| 30 Jun 23 | 9,850,818 | 3,218,412 | 4,260,919 | 0 |
| 31 Mar 23 | 9,231,259 | 2,977,041 | 4,186,034 | 0 |
| 31 Dec 22 | 9,125,268 | 3,041,676 | 4,148,541 | 0 |
| 30 Sep 22 | 7,873,167 | 2,221,291 | 4,112,355 | 0 |
| 30 Jun 22 | 7,617,769 | 2,218,391 | 4,047,714 | 0 |
| 31 Mar 22 | 7,453,509 | 2,122,974 | 4,041,526 | 0 |
| 31 Dec 21 | 7,416,913 | 2,063,473 | 3,976,852 | 0 |
| 30 Sep 21 | 9,058,499 | 3,047,713 | 4,023,841 | 0 |
| 30 Jun 21 | 9,638,684 | 3,211,493 | 3,978,964 | 0 |
| 31 Mar 21 | 9,227,465 | 3,013,613 | 3,919,435 | 0 |
| 31 Dec 20 | 9,398,784 | 3,103,248 | 3,928,938 | 0 |
| 30 Sep 20 | 9,315,514 | 3,243,531 | 3,925,030 | 0 |
| 30 Jun 20 | 8,792,169 | 3,021,946 | 3,994,996 | 0 |
| 31 Mar 20 | 9,225,010 | 3,199,014 | 4,034,588 | 0 |
| 31 Dec 19 | 9,331,221 | 3,316,841 | 4,002,490 | 0 |
| 30 Sep 19 | 9,963,456 | 3,389,150 | 4,020,946 | 0 |
| 30 Jun 19 | 9,899,164 | 3,428,054 | 4,021,854 | 0 |
| 31 Mar 19 | 9,624,968 | 3,247,530 | 4,008,407 | 0 |
| 31 Dec 18 | 9,494,563 | 3,112,580 | 4,019,197 | 0 |
| 30 Sep 18 | 7,798,120 | 2,424,875 | 3,985,079 | 0 |
| 30 Jun 18 | 7,680,433 | 2,351,819 | 3,896,311 | 0 |
| 31 Mar 18 | 7,684,832 | 2,354,918 | 3,897,988 | 0 |
| 31 Dec 17 | 7,676,837 | 2,412,458 | 3,809,441 | 0 |
| 30 Sep 17 | 8,441,831 | 2,793,900 | 3,728,158 | 0 |
| 30 Jun 17 | 8,209,932 | 2,645,868 | 3,707,393 | 0 |
| 31 Mar 17 | 8,105,048 | 2,555,680 | 3,644,414 | 0 |
| 31 Dec 16 | 7,893,018 | 2,405,293 | 3,597,225 | 0 |
| 30 Sep 16 | 7,662,982 | 1,968,262 | 3,641,065 | 0 |
| 30 Jun 16 | 7,164,923 | 1,518,374 | 3,670,072 | 0 |
| 31 Mar 16 | 6,953,041 | 1,393,301 | 3,598,161 | 0 |
| 31 Dec 15 | 6,874,405 | 1,406,891 | 3,512,217 | 0 |
| 30 Sep 15 | 6,993,564 | 1,490,280 | 3,483,500 | 0 |
| 30 Jun 15 | 7,423,339 | 1,945,184 | 3,430,706 | 0 |
| 31 Mar 15 | 7,734,924 | 2,279,568 | 3,424,759 | 0 |
| 31 Dec 14 | 7,623,558 | 2,366,886 | 3,309,093 | 0 |
| 30 Sep 14 | 7,328,715 | 2,506,316 | 3,257,814 | 0 |
| 30 Jun 14 | 7,323,921 | 2,486,372 | 3,223,800 | 0 |
| 31 Mar 14 | 7,034,217 | 2,332,630 | 3,080,004 | 0 |
| 31 Dec 13 | 6,866,587 | 2,259,929 | 3,071,676 | 0 |
Quality Earnings: PTQ has high quality earnings.
Growing Profit Margin: PTQ's current net profit margins (25.7%) are lower than last year (31.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PTQ's earnings have declined by 6.1% per year over the past 5 years.
Accelerating Growth: PTQ's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PTQ had negative earnings growth (-24.2%) over the past year, making it difficult to compare to the Banks industry average (13%).
Return on Equity
High ROE: PTQ's Return on Equity (4.4%) is considered low.