PT Panin Financial Tbk is an Indonesia-based company engaged in providing management, business, and administration consulting services. It also engaged in providing life insurance, health insurance, personal insurance, and annuity business. The group's reportable segments are Life insurance and business consulting services, and Banking and Multi-finance.

Financial Strength

5/10

Name	Current	Vs Industry
Cash-To-Debt	3.75
Equity-to-Asset	0.12
Debt-to-Equity	0.15
Debt-to-EBITDA	0.89
Interest Coverage	0.34
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-156.38	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

4/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	74.5
	3-Year EPS without NRI Growth Rate	-6.9
	3-Year FCF Growth Rate	314.7
	3-Year Book Growth Rate	2.7

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	52.14
	9-Day RSI	55.57
	14-Day RSI	57.31
	6-1 Month Momentum %	44.52
	12-1 Month Momentum %	59.85

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Shareholder Yield %	-23.21

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	8.33
	FCF Margin %	72.96
	ROE %	4.84
	ROA %	0.71
	ROIC %	2.16
	Years of Profitability over Past 10-Year	10

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	10.84
	PE Ratio without NRI	10.84
	Shiller PE Ratio	8.2
	Price-to-Owner-Earnings	9.27
	PS Ratio	0.91
	PB Ratio	0.51
	Price-to-Tangible-Book	0.53
	Price-to-Free-Cash-Flow	1.24
	Price-to-Operating-Cash-Flow	1.2
	EV-to-EBIT	0.64
	EV-to-EBITDA	0.63
	EV-to-Revenue	0.19
	EV-to-FCF	0.23
	Price-to-Projected-FCF	0.26
	Price-to-Median-PS-Value	0.54
	Price-to-Graham-Number	0.5
	Earnings Yield (Greenblatt) %	155.39
	FCF Yield %	80.76

GF Value: Rp675.86

ISX:PNLF

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