Bank Panin Syariah Tbk (PNBS) - Cash Flow Conversion Efficiency

Latest as of December 2025: 0.351x

Based on the latest financial reports, Bank Panin Syariah Tbk (PNBS) has a cash flow conversion efficiency ratio of 0.351x as of December 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow (Rp1.04 Trillion ≈ $61.17 Million USD) by net assets (Rp2.97 Trillion ≈ $174.14 Million USD). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.

Bank Panin Syariah Tbk - Cash Flow Conversion Efficiency Trend (2009–2025)

This chart illustrates how Bank Panin Syariah Tbk's cash flow conversion efficiency has evolved over time, based on yearly financial data. Read debt load of Bank Panin Syariah Tbk for a breakdown of total debt and financial obligations.

Bank Panin Syariah Tbk Competitors by Cash Flow Conversion Efficiency

The table below lists competitors of Bank Panin Syariah Tbk ranked by their cash flow conversion efficiency.

Company	Cash Flow Conversion Efficiency
Energoaqua a.s. PR:ENRGA	N/A
Quintain Steel Co Ltd TW:2017	0.005x
JOYCITY Corporation KQ:067000	0.035x
Plotech Co Ltd TW:6141	-0.237x
Torimbia Socimi S.A. MC:YTRM	0.210x
Sumber Energi Andalan Tbk PT JK:ITMA	0.005x
NeoVolta Inc. Common Stock NASDAQ:NEOV	-0.417x
Quartzsea Acquisition Corporation NASDAQ:QSEA	-0.008x

Annual Cash Flow Conversion Efficiency for Bank Panin Syariah Tbk (2009–2025)

The table below shows the annual cash flow conversion efficiency of Bank Panin Syariah Tbk from 2009 to 2025. For the full company profile with market capitalisation and key ratios, see Bank Panin Syariah Tbk (PNBS) market capitalisation.

Year	Net Assets	Operating Cash Flow	Cash Flow Conversion Efficiency	Change
2025-12-31	Rp2.97 Trillion ≈ $174.14 Million	Rp3.64 Trillion ≈ $213.24 Million	1.225x	+539.74%
2024-12-31	Rp2.85 Trillion ≈ $167.13 Million	Rp-794.28 Billion ≈ $-46.54 Million	-0.278x	-181.66%
2023-12-31	Rp2.77 Trillion ≈ $162.39 Million	Rp945.03 Billion ≈ $55.37 Million	0.341x	+283.46%
2022-12-31	Rp2.51 Trillion ≈ $146.81 Million	Rp-465.67 Billion ≈ $-27.29 Million	-0.186x	-489.88%
2021-12-31	Rp14.42 Trillion ≈ $844.93 Million	Rp687.41 Billion ≈ $40.28 Million	0.048x	+133.49%
2020-12-31	Rp11.30 Trillion ≈ $662.01 Million	Rp-1.61 Trillion ≈ $-94.24 Million	-0.142x	-399.11%
2019-12-31	Rp1.69 Trillion ≈ $99.29 Million	Rp80.65 Billion ≈ $4.73 Million	0.048x	+105.86%
2018-12-31	Rp1.67 Trillion ≈ $97.77 Million	Rp-1.36 Trillion ≈ $-79.46 Million	-0.813x	-186.27%
2017-12-31	Rp274.20 Billion ≈ $16.07 Million	Rp258.34 Billion ≈ $15.14 Million	0.942x	+525.09%
2016-12-31	Rp1.19 Trillion ≈ $69.61 Million	Rp-263.29 Billion ≈ $-15.43 Million	-0.222x	-45.84%
2015-12-31	Rp1.16 Trillion ≈ $67.71 Million	Rp-175.60 Billion ≈ $-10.29 Million	-0.152x	+68.23%
2014-12-31	Rp1.07 Trillion ≈ $62.79 Million	Rp-512.53 Billion ≈ $-30.03 Million	-0.478x	-130.32%
2013-12-31	Rp525.80 Billion ≈ $30.81 Million	Rp829.33 Billion ≈ $48.60 Million	1.577x	+211.43%
2012-12-31	Rp491.57 Billion ≈ $28.80 Million	Rp248.96 Billion ≈ $14.59 Million	0.506x	+204.98%
2011-12-31	Rp454.41 Billion ≈ $26.63 Million	Rp-219.23 Billion ≈ $-12.85 Million	-0.482x	+67.76%
2010-12-31	Rp143.38 Billion ≈ $8.40 Million	Rp-214.54 Billion ≈ $-12.57 Million	-1.496x	-50.64%
2009-12-31	Rp150.55 Billion ≈ $8.82 Million	Rp-149.55 Billion ≈ $-8.76 Million	-0.993x	--

About Bank Panin Syariah Tbk

JK:PNBS Indonesia Banks - Regional

Market Cap

$115.99 Million

Rp1.98 Trillion IDR

Market Cap Rank

#18635 Global

#323 in Indonesia

Share Price

Rp51.00

Change (1 day)

+0.00%

52-Week Range

Rp50.00 - Rp61.00

All Time High

Rp250.00