Q4 2025
PNLFPT Panin Financial Tbk
Laba Rugi
Neraca
Margin Profitabilitas
Return on Assets & Equity
Leverage
Income Statement Flow
Q4 2025
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Dupont Ratio
| Dupont Ratio | Q4 2025 | Q4 2024 | Q4 2023 | Q4 2022 | Q4 2021 | Q4 2020 | Q4 2019 | Q4 2018 | Q4 2017 | Q4 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Operating Profit Margin | 38.0% | 35.4% | 29.9% | -1.9% | -4.7% | 4.1% | -1.4% | 1.4% | -8.6% | -9.2% |
| Net Profit Margin | 29.5% | 28.4% | 24.9% | 96.3% | 69.2% | 86.5% | 56.8% | 52.4% | 39.2% | 47.6% |
| Other Burdens | 77.6% | 80.2% | 83.5% | -5193.5% | -1467.8% | 2130.4% | -4072.2% | 3867.7% | -456.0% | -514.9% |
| Total Asset Turnover | 0.05x | 0.04x | 0.06x | 0.06x | 0.07x | 0.07x | 0.12x | 0.13x | 0.16x | 0.14x |
| Equity Multiplier | 3.64x | 3.94x | 3.78x | 1.14x | 1.15x | 1.16x | 1.17x | 1.19x | 1.21x | 1.23x |
| Return on Asset | 1.8% | 1.6% | 1.8% | -0.1% | -0.3% | 0.3% | -0.2% | 0.2% | -1.3% | -1.3% |
| Return on Equity | 6.5% | 6.2% | 7.0% | -0.1% | -0.4% | 0.3% | -0.2% | 0.2% | -1.6% | -1.6% |
| Debt to Equity | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
Ratio
| Ratio | Q4 2025 | Q4 2024 | Q4 2023 | Q4 2022 | Q4 2021 | Q4 2020 | Q4 2019 | Q4 2018 | Q4 2017 | Q4 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Liquidity Ratio | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Interest Coverage | 0.0% | 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 | 74.5% | 25.0% | 3664.0% | -12.3% | -313.5% | -4.5% | -145.2% | 8.7% | -47.2% | -12.6% |
| Quality of Earnings | 118.5% | 153.1% | 167.7% | -12.9% | -3.7% | 2.5% | -11.7% | 2.0% | -27.1% | -11.8% |
| Cash received to Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Financial
Format: Triliun (T)
| Rupiah | Q4 2025 | Q4 2024 | Q4 2023 | Q4 2022 | Q4 2021 | Q4 2020 | Q4 2019 | Q4 2018 | Q4 2017 | Q4 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Pendapatan | 11,89 | 11,47 | 14,47 | 2,06 | 2,16 | 2,36 | 3,78 | 3,81 | 4,11 | 3,53 |
| Laba Kotor | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Laba Usaha | 4,52 | 4,05 | 4,32 | -0,04 | -0,1 | 0,1 | -0,05 | 0,05 | -0,35 | -0,33 |
| Laba Bersih | 3,51 | 3,25 | 3,61 | 1,98 | 1,5 | 2,04 | 2,15 | 1,99 | 1,61 | 1,68 |
| Aset | 251,7 | 256,91 | 234,58 | 33,87 | 33,19 | 32,38 | 30,29 | 28,25 | 26,47 | 24,97 |
| Ekuitas | 69,13 | 65,25 | 61,98 | 29,68 | 28,76 | 27,85 | 25,89 | 23,77 | 21,96 | 20,38 |
| Liabilitas | 182,57 | 191,67 | 172,6 | 4,19 | 4,43 | 4,54 | 4,39 | 4,48 | 4,51 | 4,6 |
| Operating Cash Flow | 4,16 | 4,98 | 6,05 | -0,26 | -0,06 | 0,05 | -0,25 | 0,04 | -0,44 | -0,2 |
| Investing Cash Flow | -5,58 | -19,88 | -0,17 | -2,08 | -0,02 | 1,13 | -0,17 | -0,46 | -0,92 | -1,57 |
| Financing Cash Flow | 0,16 | 1,44 | -3,82 | -0,76 | -0,17 | -0,09 | -0,16 | -0,15 | -0,1 | -0,09 |
Financial Growth
| Growth % | Q4 2025 | Q4 2024 | Q4 2023 | Q4 2022 | Q4 2021 | Q4 2020 | Q4 2019 | Q4 2018 | Q4 2017 | Q4 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Pendapatan | 3.7% | -20.8% | 601.9% | -4.6% | -8.3% | -37.6% | -0.8% | -7.3% | 16.4% | 0.0% |
| Laba Kotor | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Laba Usaha | 11.5% | -6.2% | -11410.7% | -62.5% | -206.5% | -281.5% | -202.3% | -114.6% | 8.3% | 0.0% |
| Laba Bersih | 8.0% | -9.9% | 81.7% | 32.6% | -26.6% | -5.0% | 7.7% | 23.9% | -4.1% | 0.0% |
| Aset | -2.0% | 9.5% | 592.6% | 2.0% | 2.5% | 6.9% | 7.2% | 6.7% | 6.0% | 0.0% |
| Ekuitas | 6.0% | 5.3% | 108.8% | 3.2% | 3.3% | 7.5% | 8.9% | 8.2% | 7.8% | 0.0% |
| Liabilitas | -4.7% | 11.0% | 4020.4% | -5.4% | -2.4% | 3.2% | -2.0% | -0.6% | -1.9% | 0.0% |
| Operating Cash Flow | -16.4% | -17.7% | -2467.4% | 359.0% | -209.0% | -120.4% | -716.3% | -109.3% | 119.3% | 0.0% |
| Investing Cash Flow | -71.9% | 11938.0% | -92.1% | 11627.3% | -101.6% | -754.1% | -62.9% | -49.7% | -41.2% | 0.0% |
| Financing Cash Flow | -89.2% | -137.8% | 403.4% | 352.2% | 96.4% | -47.4% | 8.6% | 52.2% | 15.0% | 0.0% |