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. See free cash flow generation of Bank Panin Syariah Tbk to measure how efficiently the company converts operating cash flow to free cash.
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 Bank Panin Syariah Tbk net asset momentum to track the company's year-over-year net asset growth rate.
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 stock market capitalisation.
| 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 | — |