Bank Panin Syariah Tbk (PNBS) — Cash Flow-to-Debt Ratio
Bank Panin Syariah Tbk (PNBS) has a Cash Flow-to-Debt Ratio of 0.01x as of June 2026, meaning its operating cash flow of Rp90.41 Billion could theoretically repay 0% of its total liabilities (Rp17.45 Trillion) in one year. See financial flexibility index of Bank Panin Syariah Tbk to measure the company's free cash flow as a share of total liabilities.
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. For the full cash flow conversion analysis, see PNBS cash flow metrics.
Annual Cash Flow-to-Debt Ratio for Bank Panin Syariah Tbk (2009–2025)
Year-by-year debt coverage analysis for Bank Panin Syariah Tbk. Check how high is Bank Panin Syariah Tbk's earnings quality to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |