PT Panin Financial Tbk

IDX:PNLF Stock Report

Market Cap: Rp13.4t

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 5.4% 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 rate44.9%
Return on equity4.6%
Net Margin7.4%
Last Earnings Update30 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

IDX:PNLF Revenue, expenses and earnings (IDR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2418,777,9091,388,3105,824,7010
30 Jun 2418,325,3811,315,3545,637,2670
31 Mar 2418,499,3441,597,6595,526,8560
31 Dec 2318,236,7481,510,4835,344,4000
30 Sep 2329,083,9862,058,3988,624,0030
30 Jun 2324,980,0512,115,9617,382,3120
31 Mar 2321,052,9131,958,1726,254,2500
31 Dec 2217,511,0652,017,5564,857,2070
30 Sep 222,891,7511,375,520344,9530
30 Jun 223,058,2651,383,053359,4230
31 Mar 223,076,2321,345,149344,0060
31 Dec 212,850,8821,327,813305,9270
30 Sep 213,244,5211,820,147238,0650
30 Jun 213,098,4821,901,322260,8240
31 Mar 213,358,9911,824,971275,4390
31 Dec 202,977,7881,859,764291,7070
30 Sep 202,906,3011,951,653333,8200
30 Jun 203,256,1181,832,652327,5080
31 Mar 203,276,5021,920,896304,4170
31 Dec 194,532,9081,975,327327,6030
30 Sep 195,331,6031,968,513328,8900
30 Jun 195,197,1932,005,905291,5920
31 Mar 195,116,6671,904,722309,7940
31 Dec 184,381,8841,829,402290,2080
30 Sep 183,867,4851,470,589260,1410
30 Jun 184,616,8591,409,926303,7050
31 Mar 184,931,2301,435,931298,9030
31 Dec 175,101,2771,457,567284,9000
30 Sep 175,073,8751,742,830331,4400
30 Jun 174,420,1891,719,974305,5660
31 Mar 174,361,9181,627,360302,3060
31 Dec 164,497,8771,536,075299,0410
30 Sep 164,154,2571,229,901270,7700
30 Jun 163,850,921937,286266,5210
31 Mar 164,487,262895,582255,4850
31 Dec 154,343,194905,401249,2850
30 Sep 155,159,175925,025229,4320
30 Jun 155,122,4881,163,283220,3480
31 Mar 154,414,2551,294,233231,2860
31 Dec 144,585,6011,301,179187,3990
30 Sep 143,374,0181,341,723196,5640
30 Jun 143,528,8611,298,176186,0920
31 Mar 143,346,6001,195,126158,1000
31 Dec 133,501,5671,171,119164,1520

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 (27.4%).

Return on Equity

High ROE: PNLF's Return on Equity (4.6%) 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 02:33
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 Panin Financial Tbk is covered by 2 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
Nicholas CashmoreCLSA
Scott RussellMacquarie Research