Panin Financial Past Earnings Performance
Past criteria checks 1/6
Panin Financial's earnings have been declining at an average annual rate of -4.4%, while the Insurance industry saw earnings declining at 6.8% annually. Revenues have been growing at an average rate of 44.9% per year. Panin Financial's return on equity is 4.6%, and it has net margins of 7.4%.
Key information
-4.4%
Earnings growth rate
-4.4%
EPS growth rate
| Insurance Industry Growth | -0.06% |
| Revenue growth rate | 44.9% |
| Return on equity | 4.6% |
| Net Margin | 7.4% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Panin Financial 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 | 18,777,909 | 1,388,310 | 5,824,701 | 0 |
| 30 Jun 24 | 18,325,381 | 1,315,354 | 5,637,267 | 0 |
| 31 Mar 24 | 18,499,344 | 1,597,659 | 5,526,856 | 0 |
| 31 Dec 23 | 18,236,748 | 1,510,483 | 5,344,400 | 0 |
| 30 Sep 23 | 29,083,986 | 2,058,398 | 8,624,003 | 0 |
| 30 Jun 23 | 24,980,051 | 2,115,961 | 7,382,312 | 0 |
| 31 Mar 23 | 21,052,913 | 1,958,172 | 6,254,250 | 0 |
| 31 Dec 22 | 17,511,065 | 2,017,556 | 4,857,207 | 0 |
| 30 Sep 22 | 2,891,751 | 1,375,520 | 344,953 | 0 |
| 30 Jun 22 | 3,058,265 | 1,383,053 | 359,423 | 0 |
| 31 Mar 22 | 3,076,232 | 1,345,149 | 344,006 | 0 |
| 31 Dec 21 | 2,850,882 | 1,327,813 | 305,927 | 0 |
| 30 Sep 21 | 3,244,521 | 1,820,147 | 238,065 | 0 |
| 30 Jun 21 | 3,098,482 | 1,901,322 | 260,824 | 0 |
| 31 Mar 21 | 3,358,991 | 1,824,971 | 275,439 | 0 |
| 31 Dec 20 | 2,977,788 | 1,859,764 | 291,707 | 0 |
| 30 Sep 20 | 2,906,301 | 1,951,653 | 333,820 | 0 |
| 30 Jun 20 | 3,256,118 | 1,832,652 | 327,508 | 0 |
| 31 Mar 20 | 3,276,502 | 1,920,896 | 304,417 | 0 |
| 31 Dec 19 | 4,532,908 | 1,975,327 | 327,603 | 0 |
| 30 Sep 19 | 5,331,603 | 1,968,513 | 328,890 | 0 |
| 30 Jun 19 | 5,197,193 | 2,005,905 | 291,592 | 0 |
| 31 Mar 19 | 5,116,667 | 1,904,722 | 309,794 | 0 |
| 31 Dec 18 | 4,381,884 | 1,829,402 | 290,208 | 0 |
| 30 Sep 18 | 3,867,485 | 1,470,589 | 260,141 | 0 |
| 30 Jun 18 | 4,616,859 | 1,409,926 | 303,705 | 0 |
| 31 Mar 18 | 4,931,230 | 1,435,931 | 298,903 | 0 |
| 31 Dec 17 | 5,101,277 | 1,457,567 | 284,900 | 0 |
| 30 Sep 17 | 5,073,875 | 1,742,830 | 331,440 | 0 |
| 30 Jun 17 | 4,420,189 | 1,719,974 | 305,566 | 0 |
| 31 Mar 17 | 4,361,918 | 1,627,360 | 302,306 | 0 |
| 31 Dec 16 | 4,497,877 | 1,536,075 | 299,041 | 0 |
| 30 Sep 16 | 4,154,257 | 1,229,901 | 270,770 | 0 |
| 30 Jun 16 | 3,850,921 | 937,286 | 266,521 | 0 |
| 31 Mar 16 | 4,487,262 | 895,582 | 255,485 | 0 |
| 31 Dec 15 | 4,343,194 | 905,401 | 249,285 | 0 |
| 30 Sep 15 | 5,159,175 | 925,025 | 229,432 | 0 |
| 30 Jun 15 | 5,122,488 | 1,163,283 | 220,348 | 0 |
| 31 Mar 15 | 4,414,255 | 1,294,233 | 231,286 | 0 |
| 31 Dec 14 | 4,585,601 | 1,301,179 | 187,399 | 0 |
| 30 Sep 14 | 3,374,018 | 1,341,723 | 196,564 | 0 |
| 30 Jun 14 | 3,528,861 | 1,298,176 | 186,092 | 0 |
| 31 Mar 14 | 3,346,600 | 1,195,126 | 158,100 | 0 |
| 31 Dec 13 | 3,501,567 | 1,171,119 | 164,152 | 0 |
Quality Earnings: PNLF has a large one-off loss of IDR2,152.3B impacting its last 12 months of financial results to 30th September, 2024.
Growing Profit Margin: PNLF's current net profit margins (7.4%) are higher than last year (7.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PNLF's earnings have declined by 4.4% per year over the past 5 years.
Accelerating Growth: PNLF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PNLF had negative earnings growth (-32.6%) over the past year, making it difficult to compare to the Insurance industry average (20.7%).
Return on Equity
High ROE: PNLF's Return on Equity (4.6%) is considered low.