Bank Panin Syariah Tbk (PNBS) — Cash Flow Quality Index
Bank Panin Syariah Tbk (PNBS) has a Cash Flow Quality Index of -5.07x as of March 2026. Operating cash flow of Rp-253.79 Billion is below net income of Rp50.07 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore Bank Panin Syariah Tbk operating cash flow efficiency to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bank Panin Syariah Tbk Cash Flow Quality Index (2009–2025)
Historical Cash Flow Quality Index for Bank Panin Syariah Tbk across 14 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check PNBS total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Bank Panin Syariah Tbk (2009–2025)
Year-by-year earnings quality comparison for Bank Panin Syariah Tbk. For live market cap and the full company financial profile, see PNBS stock market capitalisation.
| Year | Quality Index | Operating CF (IDR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 181.82x | Rp3.64 Trillion | Rp20.02 Billion | ▲ +2127.4% |
| 2024 | -8.97x | Rp-794.28 Billion | Rp88.57 Billion | ▼ -332.2% |
| 2023 | 3.86x | Rp945.03 Billion | Rp244.69 Billion | ▲ +307.8% |
| 2022 | -1.86x | Rp-465.67 Billion | Rp250.53 Billion | ▲ +100.0% |
| 2020 | -12553.07x | Rp-1.61 Trillion | Rp128.12 Million | ▼ -206138.9% |
| 2019 | 6.09x | Rp80.65 Billion | Rp13.24 Billion | ▲ +109.3% |
| 2018 | -65.23x | Rp-1.36 Trillion | Rp20.79 Billion | ▼ -384.1% |
| 2016 | -13.47x | Rp-263.29 Billion | Rp19.54 Billion | ▼ -311.1% |
| 2015 | -3.28x | Rp-175.60 Billion | Rp53.58 Billion | ▲ +54.6% |
| 2014 | -7.22x | Rp-512.53 Billion | Rp70.94 Billion | ▼ -118.6% |
| 2013 | 38.88x | Rp829.33 Billion | Rp21.33 Billion | ▲ +447.4% |
| 2012 | 7.10x | Rp248.96 Billion | Rp35.06 Billion | ▲ +129.9% |
| 2011 | -23.74x | Rp-219.23 Billion | Rp9.23 Billion | ▲ +80.7% |
| 2009 | -122.89x | Rp-149.55 Billion | Rp1.22 Billion | — |