PT Panin Financial Tbk

IDX:PNLF Stock Report

Market Cap: Rp13.4t

Panin Financial Past Earnings Performance

Past criteria checks 2/6

Panin Financial's earnings have been declining at an average annual rate of -4.4%, while the Insurance industry saw earnings declining at 4.6% annually. Revenues have been growing at an average rate of 51.5% per year. Panin Financial's return on equity is 4.6%, and it has net margins of 13.5%.

Key information

-4.4%

Earnings growth rate

-4.4%

EPS growth rate

Insurance Industry Growth-0.06%
Revenue growth rate51.5%
Return on equity4.6%
Net Margin13.5%
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 2410,268,9411,388,3105,546,2410
30 Jun 249,821,3911,315,3545,624,0220
31 Mar 2410,781,7271,597,6595,530,9850
31 Dec 2310,439,1931,510,4835,361,9220
30 Sep 2317,962,3742,058,3988,942,9080
30 Jun 2315,633,2732,115,9617,342,4820
31 Mar 2312,538,0731,958,1726,179,2690
31 Dec 2210,422,2602,017,5564,874,7280
30 Sep 221,359,1721,375,520362,6690
30 Jun 221,391,4441,383,053359,4230
31 Mar 221,378,9931,345,149344,0060
31 Dec 211,351,5291,327,813305,9270
30 Sep 211,321,8851,820,147238,0650
30 Jun 211,349,4251,901,322269,5850
31 Mar 211,379,3641,824,971275,4390
31 Dec 201,387,0581,859,764291,7070
30 Sep 201,388,8291,951,653333,8200
30 Jun 201,378,7371,832,652327,5080
31 Mar 201,358,5171,920,896304,4160
31 Dec 191,367,9931,975,327327,6030
30 Sep 191,376,5891,968,513328,8900
30 Jun 191,327,5522,005,905291,5920
31 Mar 191,297,9301,904,722307,6920
31 Dec 181,256,6441,829,402290,2080
30 Sep 181,194,2421,470,589240,6910
30 Jun 181,193,4291,409,926300,6870
31 Mar 181,216,2321,435,931305,3860
31 Dec 171,187,7851,457,567284,9000
30 Sep 171,310,6931,742,830350,8900
30 Jun 171,250,3051,719,974308,5840
31 Mar 171,169,7371,627,360302,3060
31 Dec 161,152,9951,536,075299,0410
30 Sep 161,019,1091,229,901270,7700
30 Jun 16962,921937,286266,5210
31 Mar 16988,936895,582255,4850
31 Dec 15985,393905,401249,2850
30 Sep 151,044,085925,025229,4320
30 Jun 151,048,6381,163,283220,3480
31 Mar 151,005,9201,294,233231,2860
31 Dec 14843,7311,301,179187,3990
30 Sep 14652,3491,341,723196,5640
30 Jun 14565,6881,298,176185,5990
31 Mar 14460,8491,195,126158,1000

Quality Earnings: PNLF has high quality earnings.

Growing Profit Margin: PNLF's current net profit margins (13.5%) are higher than last year (11.5%).

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 (21.3%).

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 Analysis2025/01/30 19:19
End of Day Share Price 2025/01/30 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