PT Panin Financial Tbk provides business consulting, management, and administration services to the general public in Indonesia.
Proven track record and fair value.
Share Price & News
How has Panin Financial's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: PNLF's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: PNLF underperformed the ID Insurance industry which returned 23.1% over the past year.
Return vs Market: PNLF underperformed the ID Market which returned -31.1% over the past year.
Price Volatility Vs. Market
How volatile is Panin Financial's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Panin Financial undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: PNLF (IDR198) is trading above our estimate of fair value (IDR87.47)
Significantly Below Fair Value: PNLF is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: PNLF is good value based on its PE Ratio (3.2x) compared to the Insurance industry average (14.4x).
PE vs Market: PNLF is good value based on its PE Ratio (3.2x) compared to the ID market (10.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate PNLF's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: PNLF is good value based on its PB Ratio (0.3x) compared to the ID Insurance industry average (0.7x).
How is Panin Financial forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Insurance industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Panin Financial has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
- Examine whether Panin Financial is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Explore growth companies in the Insurance industry.
How has Panin Financial performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PNLF has high quality earnings.
Growing Profit Margin: PNLF's current net profit margins (36.9%) are lower than last year (38%).
Past Earnings Growth Analysis
Earnings Trend: PNLF's earnings have grown by 11.9% per year over the past 5 years.
Accelerating Growth: PNLF's earnings growth over the past year (33.9%) exceeds its 5-year average (11.9% per year).
Earnings vs Industry: PNLF earnings growth over the past year (33.9%) exceeded the Insurance industry -0.6%.
Return on Equity
High ROE: PNLF's Return on Equity (8.5%) is considered low.
How is Panin Financial's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Inventory Level: PNLF has a low level of unsold assets or inventory.
Debt Coverage by Assets: Insufficient data to determine if PNLF's debt is covered by short term assets.
Financial Institutions Analysis
Asset Level: PNLF's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if PNLF has a sufficient allowance for bad loans.
Low Risk Liabilities: PNLF reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if PNLF has an acceptable proportion of non-loan assets held.
Low Risk Deposits: PNLF has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if PNLF has an appropriate level of bad loans.
What is Panin Financial's current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate PNLF's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.
High Dividend: Unable to evaluate PNLF's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if PNLF's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if PNLF's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of PNLF's dividend in 3 years as they are not forecast to pay a notable one for the ID market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Lianna Limanto (64yo)
Ms. Lianna Loren Limanto has been the President Director at PT Panin Financial Tbk (formerly, Panin Life PT Tbk) since 2015. Ms. Limanto is handling the management of PT Panin Financial Tbk including the a ...
|President Director||5.25yrs||no data||no data|
|Corporate Secretary & Director||10.25yrs||no data||no data|
|Vice President Commissioner||17.25yrs||no data||no data|
|President Commissioner||18.25yrs||no data||no data|
|Independent Commissioner||3.25yrs||no data||no data|
|Vice-President Director||10.25yrs||no data||no data|
Experienced Board: PNLF's board of directors are seasoned and experienced ( 10.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
PT Panin Financial Tbk's company bio, employee growth, exchange listings and data sources
- Name: PT Panin Financial Tbk
- Ticker: PNLF
- Exchange: IDX
- Founded: 1974
- Industry: Life and Health Insurance
- Sector: Insurance
- Market Cap: Rp6.340t
- Shares outstanding: 32.02b
- Website: https://www.paninfinancial.co.id
Number of Employees
- PT Panin Financial Tbk
- Panin Life Center
- 7th Floor
- Jakarta Raya
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|PNLF||IDX (Indonesia Stock Exchange)||Yes||Ordinary Shares||ID||IDR||Jan 1992|
|OHH||DB (Deutsche Boerse AG)||Yes||Ordinary Shares||DE||EUR||Jan 1992|
PT Panin Financial Tbk provides business consulting, management, and administration services to the general public in Indonesia. The company also offers information technology and management information system services. In addition, it provides life insurance products, including death, whole life, annuity, endowment, endowment combine, universal life, unit-linked, personal accident, and health; term insurance products; and mutual funds. The company was formerly known as PT Panin Life Tbk and changed its name to PT Panin Financial Tbk in January 2010. PT Panin Financial Tbk was founded in 1974 and is headquartered in Jakarta, Indonesia. PT Panin Financial Tbk is a subsidiary of PT Paninvest Tbk.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/01 19:45|
|End of Day Share Price||2020/04/01 00:00|
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.