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 financial flexibility index of Panin Financial 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
Panin Financial Tbk Cash Flow-to-Debt Ratio (2007–2024)
Historical debt coverage capacity for Panin Financial Tbk across 18 annual periods. For the full cash flow conversion analysis, see Panin Financial Tbk cash conversion from operations.
Annual Cash Flow-to-Debt Ratio for Panin Financial Tbk (2007–2024)
Year-by-year debt coverage analysis for Panin Financial Tbk. Check PNLF cash flow quality score to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |