PT Bank Pan Indonesia Tbk

IDX:PNBN Stock Report

Market Cap: Rp42.6t

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 20.7% 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 Growth13.2%
Revenue growth rate-0.9%
Return on equity4.4%
Net Margin25.7%
Last Earnings Update30 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

IDX:PNBN Revenue, expenses and earnings (IDR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 248,961,2122,304,2084,706,4530
30 Jun 248,447,5942,068,5234,553,1810
31 Mar 249,399,5492,629,5814,450,8320
31 Dec 239,013,1782,531,8954,331,0380
30 Sep 239,585,4743,041,8004,314,2520
30 Jun 239,850,8183,218,4124,260,9190
31 Mar 239,231,2592,977,0414,186,0340
31 Dec 229,125,2683,041,6764,148,5410
30 Sep 227,873,1672,221,2914,112,3550
30 Jun 227,617,7692,218,3914,047,7140
31 Mar 227,453,5092,122,9744,041,5260
31 Dec 217,416,9132,063,4733,976,8520
30 Sep 219,058,4993,047,7134,023,8410
30 Jun 219,638,6843,211,4933,978,9640
31 Mar 219,227,4653,013,6133,919,4350
31 Dec 209,398,7843,103,2483,928,9380
30 Sep 209,315,5143,243,5313,925,0300
30 Jun 208,792,1693,021,9463,994,9960
31 Mar 209,225,0103,199,0144,034,5880
31 Dec 199,331,2213,316,8414,002,4900
30 Sep 199,963,4563,389,1504,020,9460
30 Jun 199,899,1643,428,0544,021,8540
31 Mar 199,624,9683,247,5304,008,4070
31 Dec 189,494,5633,112,5804,019,1970
30 Sep 187,798,1202,424,8753,985,0790
30 Jun 187,680,4332,351,8193,896,3110
31 Mar 187,684,8322,354,9183,897,9880
31 Dec 177,676,8372,412,4583,809,4410
30 Sep 178,441,8312,793,9003,728,1580
30 Jun 178,209,9322,645,8683,707,3930
31 Mar 178,105,0482,555,6803,644,4140
31 Dec 167,893,0182,405,2933,597,2250
30 Sep 167,662,9821,968,2623,641,0650
30 Jun 167,164,9231,518,3743,670,0720
31 Mar 166,953,0411,393,3013,598,1610
31 Dec 156,874,4051,406,8913,512,2170
30 Sep 156,993,5641,490,2803,483,5000
30 Jun 157,423,3391,945,1843,430,7060
31 Mar 157,734,9242,279,5683,424,7590
31 Dec 147,623,5582,366,8863,309,0930
30 Sep 147,328,7152,506,3163,257,8140
30 Jun 147,323,9212,486,3723,223,8000
31 Mar 147,034,2172,332,6303,080,0040
31 Dec 136,866,5872,259,9293,071,6760

Quality Earnings: PNBN has high quality earnings.

Growing Profit Margin: PNBN'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: PNBN's earnings have declined by 6.1% per year over the past 5 years.

Accelerating Growth: PNBN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: PNBN had negative earnings growth (-24.2%) over the past year, making it difficult to compare to the Banks industry average (5.7%).

Return on Equity

High ROE: PNBN's Return on Equity (4.4%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 14:54
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

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Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

PT Bank Pan Indonesia Tbk is covered by 13 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Tjandra LienandjajaBNP Paribas Securities (Asia)
Hadi SoegiartoCGS International
Salman AliCitigroup Inc