Q4 2025
PNLFPT Panin Financial Tbk
Ringkasan Valuasi
Equity Growth Method
Fair Value:1361
Margin of Safety:457.77%
ROE:6.54%
EPS Growth Method
Fair Value:1589
Margin of Safety:551.28%
CAGR 5Y:11.48%
ROE Method
Fair Value:648
Margin of Safety:165.77%
Fair PBV:0.65
PB Band
Rata-rata:0.47x
Median:0.41x
PE Band
Rata-rata:5.42x
Median:5.18x
Harga Saat Ini:238
Rata-rata Fair Value:1200
Median Fair Value:1361
Kalkulator Margin of Safety
Harga Beli yang Disarankan
Equity Growth Method:1047
EPS Growth Method:1222
ROE Method:499
PE Band:221
PB Band:351
Rata-rata:668
PB Band
PB rata-rata0.3x
Fair Value:325
Margin of Safety:36.6%
PE Band
PE rata-rata6.2x
Fair Value:329
Margin of Safety:38.1%
Equity Growth Method
| Year | Equity Growth |
|---|---|
| Year 0 | 991 |
| Year 1 | 1056 |
| Year 2 | 1125 |
| Year 3 | 1199 |
| Year 4 | 1277 |
| Year 5 | 1361 |
Return on Equity (ROE):6.54%
Book Value:991.42
Fair Value:1361
Price:238
Margin of Safety:457.77%
EPS Growth Method
| Year | EPS Growth | Discounted EPS |
|---|---|---|
| Year 0 | 54 | 436 |
| Year 1 | 61 | 465 |
| Year 2 | 68 | 495 |
| Year 3 | 75 | 527 |
| Year 4 | 84 | 561 |
| Year 5 | 94 | 598 |
CAGR 5Y:11.48%
EPS:54.47
Fair Value:1589
Price:238
Margin of Safety:551.28%
ROE Method
ROE:6.54%
Book Value:991.42
Fair PBV:0.65
Fair Value:648
Margin of Safety:165.77%