Bank Panin Syariah Tbk (PNBS) — Cash Flow-to-Debt Ratio
Bank Panin Syariah Tbk (PNBS) has a Cash Flow-to-Debt Ratio of -0.02x as of March 2026, meaning its operating cash flow of Rp-253.79 Billion could theoretically repay 0% of its total liabilities (Rp16.72 Trillion) in one year. Explore PNBS long-term investment intensity to see how much of total assets are deployed in long-term investments.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Bank Panin Syariah Tbk Cash Flow-to-Debt Ratio (2009–2025)
Historical debt coverage capacity for Bank Panin Syariah Tbk across 17 annual periods. Also explore PNBS total asset value for the complete picture of this company's asset base.
Annual Cash Flow-to-Debt Ratio for Bank Panin Syariah Tbk (2009–2025)
Year-by-year debt coverage analysis for Bank Panin Syariah Tbk. For market capitalisation and broader financial context, see PNBS market cap.
| Year | CF-to-Debt Ratio | Operating CF (IDR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.23x | Rp3.64 Trillion | Rp16.15 Trillion | ▲ +495.7% |
| 2024 | -0.06x | Rp-794.28 Billion | Rp13.94 Trillion | ▼ -187.7% |
| 2023 | 0.06x | Rp945.03 Billion | Rp14.55 Trillion | ▲ +271.3% |
| 2022 | -0.04x | Rp-465.67 Billion | Rp12.29 Trillion | ▼ -100.0% |
| 2021 | 107.36x | Rp687.41 Billion | Rp6.40 Billion | ▲ +128.3% |
| 2020 | -379.60x | Rp-1.61 Trillion | Rp4.24 Billion | ▼ -4443981.2% |
| 2019 | 0.01x | Rp80.65 Billion | Rp9.44 Trillion | ▲ +104.5% |
| 2018 | -0.19x | Rp-1.36 Trillion | Rp7.10 Trillion | ▼ -717.5% |
| 2017 | 0.03x | Rp258.34 Billion | Rp8.36 Trillion | ▲ +188.9% |
| 2016 | -0.03x | Rp-263.29 Billion | Rp7.57 Trillion | ▼ -18.4% |
| 2015 | -0.03x | Rp-175.60 Billion | Rp5.98 Trillion | ▲ +70.6% |
| 2014 | -0.10x | Rp-512.53 Billion | Rp5.13 Trillion | ▼ -142.4% |
| 2013 | 0.24x | Rp829.33 Billion | Rp3.53 Trillion | ▲ +55.8% |
| 2012 | 0.15x | Rp248.96 Billion | Rp1.65 Trillion | ▲ +138.9% |
| 2011 | -0.39x | Rp-219.23 Billion | Rp564.27 Billion | ▲ +42.9% |
| 2010 | -0.68x | Rp-214.54 Billion | Rp315.33 Billion | ▲ +95.0% |
| 2009 | -13.48x | Rp-149.55 Billion | Rp11.10 Billion | — |