Panin Financial Past Earnings Performance
Past criteria checks 0/6
Panin Financial's earnings have been declining at an average annual rate of -3.9%, while the Insurance industry saw earnings declining at 5.7% annually. Revenues have been growing at an average rate of 16.2% per year. Panin Financial's return on equity is 5.8%, and it has net margins of 8.3%.
Key information
-3.9%
Earnings growth rate
-3.9%
EPS growth rate
| Insurance Industry Growth | -0.06% |
| Revenue growth rate | 16.2% |
| Return on equity | 5.8% |
| Net Margin | 8.3% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
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 |
|---|---|---|---|---|
| 31 Dec 23 | 18,236,748 | 1,510,483 | 5,344,400 | 0 |
| 30 Sep 23 | 2,622,085 | 1,839,132 | 319,883 | 0 |
| 30 Jun 23 | 2,655,929 | 1,896,695 | 296,936 | 0 |
| 31 Mar 23 | 2,491,846 | 1,768,081 | 286,853 | 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 |
| 30 Sep 13 | 3,553,329 | 1,176,541 | 149,986 | 0 |
| 30 Jun 13 | 3,318,153 | 1,124,813 | 135,016 | 0 |
Quality Earnings: PNLF has a large one-off loss of IDR2,757.9B impacting its last 12 months of financial results to 31st December, 2023.
Growing Profit Margin: PNLF's current net profit margins (8.3%) are lower than last year (11.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PNLF's earnings have declined by 3.9% 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 (-25.1%) over the past year, making it difficult to compare to the Insurance industry average (4.4%).
Return on Equity
High ROE: PNLF's Return on Equity (5.8%) is considered low.