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 PNBS long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
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 intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
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 company net worth.
| 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 | — |