Bank Panin Syariah Tbk Cash Flow-to-Debt Ratio
Bank Panin Syariah Tbk 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. Check Bank Panin Syariah Tbk cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of Bank Panin Syariah Tbk (2009–2025)
Cash flow-to-debt ratio of Bank Panin Syariah Tbk from 2009 to 2025. Historical debt coverage capacity for Bank Panin Syariah Tbk across 17 annual periods. Check Bank Panin Syariah Tbk (PNBS) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Bank Panin Syariah Tbk Cash Flow-to-Debt Ratio by Year (2009–2025)
Bank Panin Syariah Tbk cash flow-to-debt ratio by year from 2009 to 2025. Year-by-year debt coverage analysis for Bank Panin Syariah Tbk. For the full cash flow conversion analysis, see cash efficiency ratio of Bank Panin Syariah Tbk.
| 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 | — |