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 PNLF operating cash flow to assess how effectively this company generates cash.
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 PNLF capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
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 Panin Financial Tbk stock valuation.
| 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 | — |