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Q4 2025

PNBNPT Bank Pan Indonesia Tbk

Investhor GuruInsightFinansialUnboxing SahamValuasi

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Laba Rugi

Neraca

Margin Profitabilitas

Return on Assets & Equity

Leverage

Income Statement Flow

Q3 2025
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Dupont Ratio

Dupont RatioQ3 2025Q4 2024Q4 2023Q4 2022Q4 2021Q4 2020Q4 2019Q4 2018Q4 2017Q4 2016
Gross Profit Margin55.9%57.6%63.1%71.5%66.6%54.4%50.6%52.1%49.5%48.4%
Operating Profit Margin22.9%24.0%25.2%29.3%17.1%24.3%24.9%25.4%16.6%18.4%
Net Profit Margin17.6%18.6%20.6%23.5%12.7%19.3%19.7%18.5%11.5%14.4%
Other Burdens76.9%77.4%81.7%80.4%74.2%79.6%79.2%72.8%69.3%78.5%
Total Asset Turnover0.07x0.06x0.07x0.07x0.07x0.07x0.08x0.08x0.08x0.09x
Equity Multiplier3.92x4.35x4.16x4.19x4.21x4.59x4.75x5.09x5.88x5.82x
Return on Asset1.6%1.5%1.7%1.9%1.2%1.8%2.1%2.1%1.4%1.6%
Return on Equity6.2%6.6%6.9%8.0%5.0%8.3%9.9%10.7%8.0%9.4%
Debt to Equity0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.00x0.00x

Ratio

RatioQ3 2025Q4 2024Q4 2023Q4 2022Q4 2021Q4 2020Q4 2019Q4 2018Q4 2017Q4 2016
Cash Ratio0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
Liquidity Ratio0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
Interest Coverage0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%
Operating Cash Flow to Investing Cash Flow-63.8%98.6%404.4%6.0%-53.3%106.2%193.7%-14014.6%-14148.0%327.7%
Quality of Earnings-12.3%663.5%128.8%-5.8%166.7%892.9%47.6%-349.7%-352.9%21.0%
Cash received to Sales0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Financial

Format: Triliun (T)
RupiahQ3 2025Q4 2024Q4 2023Q4 2022Q4 2021Q4 2020Q4 2019Q4 2018Q4 2017Q4 2016
Pendapatan15,7315,4514,5913,9114,3516,1917,7217,2117,4817,45
Laba Kotor8,88,919,219,959,568,818,978,968,658,44
Laba Usaha3,63,73,684,072,453,934,424,382,93,21
Laba Bersih2,772,873,013,271,823,123,53,192,012,52
Aset226,64243,96222,01212,43204,46218,07211,29207,2213,54199,18
Ekuitas57,8856,0753,3150,7248,5547,4644,4440,7536,2934,2
Liabilitas168,76187,89168,7161,72155,91170,61166,85166,46177,25164,97
Operating Cash Flow-0,3419,023,87-0,193,0327,91,67-11,14-7,090,53
Investing Cash Flow-0,54-19,29-0,963,195,69-26,27-0,86-0,08-0,05-0,16
Financing Cash Flow4,541,61-3,720,29-9,48-2,55-0,768,740,214,04

Financial Growth

Growth %Q3 2025Q4 2024Q4 2023Q4 2022Q4 2021Q4 2020Q4 2019Q4 2018Q4 2017Q4 2016
Pendapatan1.8%5.9%4.9%-3.1%-11.4%-8.7%3.0%-1.5%0.2%0.0%
Laba Kotor-1.2%-3.2%-7.5%4.1%8.5%-1.8%0.0%3.6%2.5%0.0%
Laba Usaha-2.9%0.6%-9.7%66.3%-37.6%-11.1%0.9%50.9%-9.6%0.0%
Laba Bersih-3.5%-4.6%-8.2%80.1%-41.8%-10.7%9.8%58.7%-20.2%0.0%
Aset-7.1%9.9%4.5%3.9%-6.2%3.2%2.0%-3.0%7.2%0.0%
Ekuitas3.2%5.2%5.1%4.5%2.3%6.8%9.1%12.3%6.1%0.0%
Liabilitas-10.2%11.4%4.3%3.7%-8.6%2.3%0.2%-6.1%7.4%0.0%
Operating Cash Flow-101.8%391.3%-2134.8%-106.3%-89.1%1575.0%-114.9%57.2%-1438.1%0.0%
Investing Cash Flow-97.2%1915.2%-130.0%-43.9%-121.6%2955.7%981.3%58.7%-69.0%0.0%
Financing Cash Flow181.7%-143.3%-1375.2%-103.1%272.2%234.3%-108.7%4101.1%-94.8%0.0%