Bank Panin Syariah Tbk (PNBS) — Cash Flow Quality Index
Bank Panin Syariah Tbk (PNBS) has a Cash Flow Quality Index of 2.94x as of June 2026. Operating cash flow of Rp90.41 Billion exceeds net income of Rp30.71 Billion, indicating high earnings quality where cash backs reported profits. Explore Bank Panin Syariah Tbk cash debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Bank Panin Syariah Tbk cash conversion from operations.
Annual Cash Flow Quality Index for Bank Panin Syariah Tbk (2009–2025)
Year-by-year earnings quality comparison for Bank Panin Syariah Tbk.
| Year | Quality Index | Operating CF (IDR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 181.82x | Rp3.64 Trillion | Rp20.02 Billion | ▲ +3211.6% |
| 2024 | -5.84x | Rp-794.28 Billion | Rp135.93 Billion | ▼ -240.7% |
| 2023 | 4.15x | Rp945.03 Billion | Rp227.52 Billion | ▲ +323.5% |
| 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 | — |