Panin Financial Tbk (PNLF) — Cash Flow Quality Index
Panin Financial Tbk (PNLF) has a Cash Flow Quality Index of 2.57x as of June 2025. Operating cash flow of Rp954.37 Billion exceeds net income of Rp371.37 Billion, indicating high earnings quality where cash backs reported profits. Explore investment intensity of Panin Financial Tbk 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
Panin Financial Tbk Cash Flow Quality Index (2007–2024)
Historical Cash Flow Quality Index for Panin Financial Tbk across 18 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check Panin Financial Tbk (PNLF) tangible net worth to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Panin Financial Tbk (2007–2024)
Year-by-year earnings quality comparison for Panin Financial Tbk. For live market cap and the full company financial profile, see PNLF company net worth.
| Year | Quality Index | Operating CF (IDR) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 11.56x | Rp19.23 Trillion | Rp1.66 Trillion | ▲ +362.0% |
| 2023 | 2.50x | Rp3.78 Trillion | Rp1.51 Trillion | ▲ +146.2% |
| 2022 | 1.02x | Rp1.83 Trillion | Rp1.80 Trillion | ▲ +2522.7% |
| 2021 | -0.04x | Rp-55.68 Billion | Rp1.33 Trillion | ▼ -252.7% |
| 2020 | 0.03x | Rp51.09 Billion | Rp1.86 Trillion | ▲ +121.7% |
| 2019 | -0.13x | Rp-250.17 Billion | Rp1.98 Trillion | ▼ -112.7% |
| 2018 | 1.00x | Rp1.83 Trillion | Rp1.83 Trillion | ▲ +0.0% |
| 2017 | 1.00x | Rp1.46 Trillion | Rp1.46 Trillion | ▲ +0.0% |
| 2016 | 1.00x | Rp1.54 Trillion | Rp1.54 Trillion | ▲ +0.0% |
| 2015 | 1.00x | Rp905.40 Billion | Rp905.40 Billion | ▲ +0.0% |
| 2014 | 1.00x | Rp1.29 Trillion | Rp1.29 Trillion | ▲ +0.0% |
| 2013 | 1.00x | Rp1.17 Trillion | Rp1.17 Trillion | ▲ +0.0% |
| 2012 | 1.00x | Rp1.11 Trillion | Rp1.11 Trillion | ▲ +25.8% |
| 2011 | 0.80x | Rp735.50 Billion | Rp925.15 Billion | ▲ +1178.6% |
| 2010 | -0.07x | Rp-52.49 Billion | Rp712.20 Billion | ▼ -136.5% |
| 2009 | 0.20x | Rp94.13 Billion | Rp465.79 Billion | ▲ +117.1% |
| 2008 | -1.18x | Rp-434.28 Billion | Rp367.23 Billion | ▼ -202.1% |
| 2007 | 1.16x | Rp516.97 Billion | Rp446.54 Billion | — |