PT Bank Panin Dubai Syariah Tbk operates as a Sharia commercial bank in Indonesia. It accepts demand, time, savings, and other forms of deposits, as well as certificates of deposit. The company also offers various loans and insurance products. Its segments are Consumer banking, Corporate banking, Treasury, Real estate development, and Others. It generates the majority of its revenue from the Consumer banking segment.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	84.09
Equity-to-Asset	0.17
Debt-to-Equity	0.01
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.72	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	48.3
	3-Year EPS without NRI Growth Rate	253.2
	3-Year Book Growth Rate	-3.6

Momentum Rank

7/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	15.01
	9-Day RSI	30.5
	14-Day RSI	38.76
	6-1 Month Momentum %	8
	12-1 Month Momentum %	-3.57

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Shareholder Yield %	0.08

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	25.84
	FCF Margin %	79.96
	ROE %	4.34
	ROA %	0.74
	Years of Profitability over Past 10-Year	8

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	16.51
	PE Ratio without NRI	16.51
	Price-to-Owner-Earnings	16.68
	PS Ratio	4.26
	PB Ratio	0.69
	Price-to-Tangible-Book	0.7
	Price-to-Free-Cash-Flow	5.33
	Price-to-Operating-Cash-Flow	4.99
	EV-to-Revenue	1.77
	EV-to-FCF	2.41
	Price-to-Median-PS-Value	0.73
	Price-to-Graham-Number	0.72
	FCF Yield %	18.78
	Forward Rate of Return (Yacktman) %	-6.45

GF Value: Rp52.46

ISX:PNBS

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