Panin Financial Tbk (PNLF) — Cash Flow Quality Index

Latest as of June 2025: 2.57x

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 debt coverage from operations to assess how comfortably operating cash covers total debt obligations.

Cash Flow Quality Index

2.57x
Operating CF / Net Income

Operating Cash Flow

Rp954.37 Billion
IDR

Net Income

Rp371.37 Billion
IDR

Data as of

Jun 2025
Most recent filing

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. For the full cash flow conversion analysis, see Panin Financial Tbk (PNLF) cash flow conversion.

Annual Cash Flow Quality Index for Panin Financial Tbk (2007–2024)

Year-by-year earnings quality comparison for Panin Financial Tbk.

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 —
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.