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PT Bank Pan Indonesia Tbk (PNBN.JK)

IDR880.00 +15.00 (+1.73%)
ID JKT Financial Services Banks - Regional
Address Panin Centre Building 10270
Jakarta, JK, ID
CEO Wahidin Herwidayatmo
Website panin.co.id
IPO 2002-09-03
ISIN ID1000092703

Explore sections of this company profile

Description

PT Bank Pan Indonesia Tbk, together with its subsidiaries, engages in providing banking products and services for individuals and businesses in Indonesia and internationally. It operates through Banking and Multi-finance segments. The company offers savings and deposit accounts; savings programs; and credit cards. It also provides loans products, such as KPR Panin, Kredit Exporess, and Referral KPM; wealth management services, including bancassurance, mutual funds, and bond products; electronic banking; international services; and banking services, such as currency exchange, KUDN Panin, TD Valas DHE, and safe deposit boxes. In addition, the company offers business loans comprising working capital, investment, syndication credit, and multipurpose; and business services, including export, import, SKBDN, remittance, draft bank, and correspondent bank services, as well as forward transaction, domestic don deliverable forward, forex swap, cash management, and today, tom, spot services; and Sharia banking services. PT Bank Pan Indonesia Tbk was founded in 1971 and is headquartered in Jakarta, Indonesia.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
IDR880.00 +15.00 (+1.73%)
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Volume Profile
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Liquidity & share structure
Average Volume
5M
Beta
-0.27
Float Shares
3.63B
Free Float %
15.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.56% -1.05% -7.35% -12.09% -20.92% -17.11% -19.92% -12.90% +7.39% +35.97% +440.00%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
880.00
DCF (Unlevered) 304.55 -65.4%
DCF (Levered) 826.46 -6.1%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 0% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 0 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.29
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
4 / 5
High
ROE Score
2 / 5
Medium
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • ✗
    Revenue growth
    -12.1% Q1'26: +1.8% (vs Q1'25)
  • ✓
    EPS growth
    +0.5% Q1'26: -4.4% (vs Q1'25)
  • —
    FCF margin
    — Q1'26: +24.6% (vs Q1'25)
  • —
    EBIT margin
    — Q1'26: +21.7% (vs Q1'25)
  • —
    ROIC
    — Q1'26: +4.7% (vs Q1'25)
  • ✓
    Share dilution
    -0.1% Q1'26: -0.1% (vs Q1'25)
  • —
    Debt / EBITDA
    — Q1'26: 4.36× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (-0.24) × ERP
WACC = 57% × Ke + 43% × Kd (39.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 304.55 Current price: 880.00
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2011
actual 		Dec 2012
actual 		Dec 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
1 Rev. Ana.
1 EPS Ana. 		Dec 2027
1 Rev. Ana.
1 EPS Ana. 		Dec 2028
1 Rev. Ana.
1 EPS Ana.
Revenue
11.72T
est: 6.94B (+168,663.6%)
12.77T
est: 7.30B (+174,825.2%)
17.77T
est: 8.34T (+113.0%)
18.68T
est: 9.79T (+90.8%)
18.74T
est: 10.18T (+84.2%)
18.21T
est: 11.10T (+64.0%)
18.83T
est: 10.59T (+77.9%)
19.01T
est: 11.47T (+65.7%)
16.74T
est: 11.98T (+39.8%)
15.09T
est: 12.46T (+21.1%)
15.83T
est: 8.45T (+87.4%)
16.81T
est: 11.89T (+41.4%)
14.77T
est: 12.61T (+17.2%)
11.70T
11.70T – 11.70T
-7.2% YoY
11.66T
11.66T – 11.66T
-0.3% YoY
11.89T
11.89T – 11.89T
+1.9% YoY
EBITDA
3.00T
est: 1.74B (+172,142.5%)
3.32T
est: 1.83B (+181,311.1%)
2.87T
est: 2.09T (+36.9%)
3.71T
est: 2.46T (+51.0%)
3.26T
est: 2.55T (+27.7%)
4.88T
est: 2.79T (+75.0%)
4.60T
est: 2.66T (+72.9%)
4.55T
est: 2.88T (+58.2%)
3.11T
est: 3.01T (+3.5%)
4.73T
est: 3.13T (+51.1%)
4.25T
est: 2.17T (+96.1%)
4.17T
est: 3.05T (+36.8%)
3.94T
est: 3.23T (+21.8%)
3.00T
3.00T – 3.00T
-7.2% YoY
2.99T
2.99T – 2.99T
-0.3% YoY
3.05T
3.05T – 3.05T
+1.9% YoY
EBIT
2.74T
est: 1.52B (+180,473.2%)
3.04T
est: 1.59B (+190,789.2%)
2.46T
est: 1.82T (+35.0%)
3.31T
est: 2.14T (+54.7%)
2.96T
est: 2.22T (+33.4%)
4.57T
est: 2.42T (+88.8%)
4.60T
est: 2.31T (+98.9%)
4.07T
est: 2.50T (+62.7%)
2.51T
est: 2.61T (-3.8%)
4.09T
est: 2.72T (+50.4%)
3.78T
est: 1.93T (+95.4%)
3.65T
est: 2.72T (+34.4%)
3.94T
est: 2.88T (+36.5%)
2.68T
2.68T – 2.68T
-7.2% YoY
2.67T
2.67T – 2.67T
-0.3% YoY
2.72T
2.72T – 2.72T
+1.9% YoY
Net Income
1.83T
2.11T
1.41T
est: 1.93T (-27.1%)
2.41T
est: 2.02T (+19.2%)
2.41T
est: 2.41T (+0.0%)
3.11T
est: 2.93T (+6.2%)
3.32T
est: 3.18T (+4.4%)
3.10T
est: 3.02T (+2.7%)
2.06T
est: 2.96T (-30.2%)
3.04T
est: 2.95T (+3.2%)
2.53T
est: 2.07T (+22.4%)
2.74T
est: 2.09T (+31.0%)
2.75T
est: 2.41T (+13.9%)
2.76T
2.76T – 2.76T
+14.3% YoY
2.79T
2.79T – 2.79T
+1.0% YoY
2.81T
2.81T – 2.81T
+0.9% YoY
SGA
1.59T
est: 513.96M (+308,636.8%)
1.14T
est: 540.57M (+210,511.6%)
1.14T
est: 617.64B (+84.2%)
1.11T
est: 724.70B (+52.5%)
1.17T
est: 753.30B (+55.6%)
1.87T
est: 821.63B (+127.7%)
1.88T
est: 783.70B (+139.4%)
1.17T
est: 848.94B (+37.8%)
1.11T
est: 886.60B (+25.5%)
1.21T
est: 922.28B (+31.6%)
1.27T
est: 808.44B (+56.8%)
1.37T
est: 1.14T (+20.5%)
2.51T
est: 1.21T (+108.0%)
1.12T
1.12T – 1.12T
-7.2% YoY
1.12T
1.12T – 1.12T
-0.3% YoY
1.14T
1.14T – 1.14T
+1.9% YoY
EPS
75.99
87.49
58.41
est: 80.14 (-27.1%)
99.86
est: 83.76 (+19.2%)
100.15
est: 100.15 (0.0%)
129.22
est: 121.67 (+6.2%)
137.70
est: 131.86 (+4.4%)
128.86
est: 125.45 (+2.7%)
85.69
est: 122.73 (-30.2%)
126.31
est: 122.31 (+3.3%)
105.11
est: 85.90 (+22.4%)
113.70
est: 86.82 (+31.0%)
114.24
est: 100.31 (+13.9%)
114.70
114.70 – 114.70
+14.3% YoY
115.81
115.81 – 115.81
+1.0% YoY
116.86
116.86 – 116.86
+0.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 A- 4/5 4/5 2/5 4/5 3/5 3/5 4/5
2026-05-26 A- 4/5 4/5 2/5 4/5 3/5 3/5 4/5
2026-05-25 A- 4/5 4/5 2/5 4/5 3/5 3/5 4/5
2026-05-22 A- 4/5 4/5 2/5 4/5 3/5 3/5 4/5
2026-05-21 A- 4/5 4/5 2/5 4/5 3/5 3/5 4/5
2026-05-20 A- 4/5 4/5 2/5 4/5 3/5 3/5 4/5
2026-05-19 A- 4/5 4/5 2/5 4/5 3/5 3/5 4/5
2026-05-18 A- 4/5 4/5 2/5 4/5 3/5 3/5 4/5
2026-05-13 B+ 3/5 3/5 2/5 4/5 3/5 3/5 4/5
2026-05-12 B+ 3/5 3/5 2/5 4/5 3/5 3/5 4/5
2026-05-11 B+ 3/5 3/5 2/5 4/5 3/5 3/5 4/5
2026-05-08 B+ 3/5 3/5 2/5 4/5 3/5 3/5 4/5
2026-05-07 B+ 3/5 3/5 2/5 4/5 3/5 3/5 4/5
2026-05-06 B+ 3/5 3/5 2/5 4/5 3/5 3/5 4/5
2026-05-05 B+ 3/5 3/5 2/5 4/5 3/5 3/5 4/5
2026-05-04 B+ 3/5 3/5 2/5 4/5 3/5 3/5 4/5
2026-04-30 B+ 3/5 3/5 2/5 4/5 2/5 3/5 4/5
2026-04-29 B+ 3/5 3/5 2/5 4/5 2/5 3/5 4/5
2026-04-28 B+ 3/5 3/5 2/5 4/5 2/5 3/5 4/5
2026-04-27 B+ 3/5 3/5 2/5 4/5 2/5 3/5 4/5
2026-04-24 B+ 3/5 4/5 2/5 4/5 2/5 3/5 4/5
2026-04-23 B+ 3/5 4/5 2/5 4/5 2/5 3/5 4/5
2026-04-22 B+ 3/5 4/5 2/5 4/5 2/5 3/5 4/5
2026-04-21 B+ 3/5 4/5 2/5 4/5 2/5 3/5 4/5
2026-04-20 B+ 3/5 4/5 2/5 4/5 2/5 3/5 4/5
2026-04-17 A- 4/5 4/5 3/5 5/5 2/5 3/5 4/5
2026-04-16 A- 4/5 4/5 3/5 5/5 2/5 3/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
809.32B
OE per share TTM
33.41
Owner's Yield
3.56%
Maintenance CapEx ratio
3.75%
Maint CapEx / Avg PPE
61.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 26 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 State Street SPDR S&P Emerging Markets Small Cap ETF EWX 0.02% 172.9K 0.65%
2 FlexShares Morningstar Emerging Markets Factor Tilt Index Fund TLTE 0.02% 59.3K 0.58%
3 Vanguard FTSE All-World ex-US Small-Cap ETF VSS 0.00% 631.3K 0.06%
4 Dimensional - Emerging Markets Value ETF DFEV 0.00% 87.6K 0.46%
5 Dimensional - Emerging Markets ex China Core Equity ETF DEXC 0.00% 13.9K 0.56%
6 Avantis Emerging Markets ex-China Equity ETF AVXC 0.00% 17.4K 0.33%
7 Dimensional - Emerging Markets Core Equity 2 ETF DFEM 0.00% 273.0K 0.39%
8 Avantis Responsible Emerging Markets Equity ETF AVSE 0.00% 5.0K 0.33%
9 State Street SPDR Portfolio Emerging Markets ETF SPEM 0.00% 290.5K 0.07%
10 Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO 0.00% 48.1K 0.26%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
565.60M
Shares Outstanding
24.07B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Antonius Ketut Dwirianto Director of Compliance, Legal Affairs & Anti Money Laundering and Director — male
Bernadeta Deborah Bureau Head of Finance & Accounting — female
Gunawan Budi Santoso Director of Treasury & Capital Market and Director — male
Herwidayatmo President Director — —
Lionto Gunawan Human Resources Director & Director — male
Maria D. Sukerlan Bureau Head of Business & Corporate Legal — female
Marlina Gunawan Chief Financial Officer & Executive Vice President of Finance & Planning — female
Susanto Ah Investor Relation Professional — male
Suwito Tjokrorahardjo Director of Operations & Information Technology and Director — male
Yusak Zefanya Bureau Head of Human Resources Management — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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