Panin Financial Tbk (PNLF) — Cash Flow-to-Debt Ratio
Panin Financial Tbk (PNLF) has a Cash Flow-to-Debt Ratio of 0.01x as of June 2025, meaning its operating cash flow of Rp954.37 Billion could theoretically repay 0% of its total liabilities (Rp174.93 Trillion) in one year. See PNLF FCF generation index 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
Panin Financial Tbk Cash Flow-to-Debt Ratio (2007–2024)
Historical debt coverage capacity for Panin Financial Tbk across 18 annual periods. Also explore PNLF year-over-year net asset growth to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Panin Financial Tbk (2007–2024)
Year-by-year debt coverage analysis for Panin Financial Tbk. For market capitalisation and broader financial context, see Panin Financial Tbk (PNLF) total market value.
| Year | CF-to-Debt Ratio | Operating CF (IDR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2024 | 0.10x | Rp19.23 Trillion | Rp191.94 Trillion | ▲ +357.7% |
| 2023 | 0.02x | Rp3.78 Trillion | Rp172.60 Trillion | ▼ -95.0% |
| 2022 | 0.44x | Rp1.83 Trillion | Rp4.19 Trillion | ▲ +3569.9% |
| 2021 | -0.01x | Rp-55.68 Billion | Rp4.43 Trillion | ▼ -211.6% |
| 2020 | 0.01x | Rp51.09 Billion | Rp4.54 Trillion | ▲ +119.8% |
| 2019 | -0.06x | Rp-250.17 Billion | Rp4.39 Trillion | ▼ -113.9% |
| 2018 | 0.41x | Rp1.83 Trillion | Rp4.48 Trillion | ▲ +26.2% |
| 2017 | 0.32x | Rp1.46 Trillion | Rp4.51 Trillion | ▼ -3.3% |
| 2016 | 0.33x | Rp1.54 Trillion | Rp4.60 Trillion | ▲ +56.1% |
| 2015 | 0.21x | Rp905.40 Billion | Rp4.23 Trillion | ▼ -18.6% |
| 2014 | 0.26x | Rp1.29 Trillion | Rp4.90 Trillion | ▼ -23.3% |
| 2013 | 0.34x | Rp1.17 Trillion | Rp3.42 Trillion | ▲ +6.6% |
| 2012 | 0.32x | Rp1.11 Trillion | Rp3.46 Trillion | ▲ +44.9% |
| 2011 | 0.22x | Rp735.50 Billion | Rp3.31 Trillion | ▲ +1168.1% |
| 2010 | -0.02x | Rp-52.49 Billion | Rp2.53 Trillion | ▼ -150.4% |
| 2009 | 0.04x | Rp94.13 Billion | Rp2.28 Trillion | ▲ +115.1% |
| 2008 | -0.27x | Rp-434.28 Billion | Rp1.59 Trillion | ▼ -224.0% |
| 2007 | 0.22x | Rp516.97 Billion | Rp2.35 Trillion | — |