Stock PNLF PT PANIN FINANCIAL TBK
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Financials PT Panin Financial Tbk

Equities

PNLF

ID1000095607

Life & Health Insurance

End-of-day quote INDONESIA S.E.
Other stock markets
 03:30:00 24/06/2024 am IST 		5-day change 1st Jan Change
312 IDR 0.00% Intraday chart for PT Panin Financial Tbk +5.41% +18.18%
17/05 PT Panin Financial Tbk Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
28/03 PT Panin Financial Tbk Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 85,81,916 96,70,666 78,77,430 55,07,797 1,14,63,902 84,53,827
Enterprise Value (EV) 1 47,90,349 58,00,769 22,81,399 -4,66,251 78,89,142 47,34,196
P/E ratio 4.69 x 4.9 x 4.24 x 4.15 x 6.37 x 5.6 x
Yield - - - 5.81% - -
Capitalization / Revenue 1.96 x 2.13 x 2.65 x 1.93 x 4.28 x 0.46 x
EV / Revenue 1.09 x 1.28 x 0.77 x -0.16 x 2.94 x 0.26 x
EV / EBITDA 7.34 x 8.33 x 3.22 x -0.72 x 13.1 x 0.37 x
EV / FCF 15.2 x 4.21 x 1.47 x -1.75 x -8.12 x 1.05 x
FCF Yield 6.58% 23.7% 67.8% -57.1% -12.3% 95.6%
Price to Book 0.39 x 0.41 x 0.31 x 0.21 x 0.41 x 0.3 x
Nbr of stocks (in thousands) 3,20,22,073 3,20,22,073 3,20,22,073 3,20,22,073 3,20,22,073 3,20,22,073
Reference price 2 268.0 302.0 246.0 172.0 358.0 264.0
Announcement Date 28/03/19 28/05/20 03/06/21 28/04/22 31/03/23 28/03/24
1IDR in Million2IDR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 43,81,884 45,32,908 29,77,788 28,50,882 26,80,547 1,82,36,748
EBITDA 1 6,52,647 6,96,501 7,08,158 6,44,575 6,04,142 1,26,41,527
EBIT 1 6,41,129 6,88,235 6,98,441 6,21,852 5,80,423 1,22,79,125
Operating Margin 14.63% 15.18% 23.46% 21.81% 21.65% 67.33%
Earnings before Tax (EBT) 1 21,20,034 22,41,221 21,32,190 15,76,926 20,17,492 44,05,601
Net income 1 18,29,402 19,75,327 18,59,764 13,27,813 17,98,290 15,10,483
Net margin 41.75% 43.58% 62.45% 46.58% 67.09% 8.28%
EPS 2 57.13 61.69 58.08 41.47 56.16 47.17
Free Cash Flow 1 3,15,091 13,76,270 15,47,853 2,66,152 -9,71,993 45,27,748
FCF margin 7.19% 30.36% 51.98% 9.34% -36.26% 24.83%
FCF Conversion (EBITDA) 48.28% 197.6% 218.57% 41.29% - 35.82%
FCF Conversion (Net income) 17.22% 69.67% 83.23% 20.04% - 299.76%
Dividend per Share - - - 10.00 - -
Announcement Date 28/03/19 28/05/20 03/06/21 28/04/22 31/03/23 28/03/24
1IDR in Million2IDR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 37,91,567 38,69,897 55,96,031 59,74,048 35,74,760 37,19,631
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 3,15,091 13,76,270 15,47,853 2,66,152 -9,71,993 45,27,749
ROE (net income / shareholders' equity) 8.72% 8.65% 7.59% 5.29% 6.79% 5.97%
ROA (Net income/ Total Assets) 1.46% 1.47% 1.39% 1.19% 1.08% 3.34%
Assets 1 12,49,25,020 13,44,21,708 13,35,07,825 11,20,23,370 16,62,31,281 4,51,69,946
Book Value Per Share 2 681.0 745.0 802.0 831.0 868.0 870.0
Cash Flow per Share 2 118.0 121.0 175.0 187.0 112.0 654.0
Capex 1 2,318 1,989 2,411 3,734 15,739 1,64,558
Capex / Sales 0.05% 0.04% 0.08% 0.13% 0.59% 0.9%
Announcement Date 28/03/19 28/05/20 03/06/21 28/04/22 31/03/23 28/03/24
1IDR in Million2IDR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Life Insurance

1st Jan change Capi.
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+21.01% 1.27TCr
Life Insurance
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