Bank Panin Syariah Tbk (PNBS) — Financial Flexibility Index
Bank Panin Syariah Tbk (PNBS) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of Rp90.82 Billion (operating CF Rp90.41 Billion minus capex Rp415.21 Million) represents 0% of total liabilities (Rp17.45 Trillion). Check Bank Panin Syariah Tbk investment reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Bank Panin Syariah Tbk Financial Flexibility Index (2009–2025)
Historical Financial Flexibility Index trend for Bank Panin Syariah Tbk across 17 annual periods. For the full cash flow conversion analysis, see Bank Panin Syariah Tbk cash conversion from operations.
Annual Financial Flexibility Index for Bank Panin Syariah Tbk (2009–2025)
Year-by-year free cash flow to debt coverage for Bank Panin Syariah Tbk. Explore Bank Panin Syariah Tbk debt service capacity to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (IDR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.23x | Rp3.66 Trillion | Rp3.64 Trillion | Rp16.15 Trillion | ▲ +506.3% |
| 2024 | -0.06x | Rp-778.97 Billion | Rp-794.28 Billion | Rp13.94 Trillion | ▼ -184.4% |
| 2023 | 0.07x | Rp963.53 Billion | Rp945.03 Billion | Rp14.55 Trillion | ▲ +284.2% |
| 2022 | -0.04x | Rp-441.67 Billion | Rp-465.67 Billion | Rp12.29 Trillion | ▼ -100.0% |
| 2021 | 108.09x | Rp692.12 Billion | Rp687.41 Billion | Rp6.40 Billion | ▲ +128.5% |
| 2020 | -379.38x | Rp-1.61 Trillion | Rp-1.61 Trillion | Rp4.24 Billion | ▼ -4366796.1% |
| 2019 | 0.01x | Rp82.03 Billion | Rp80.65 Billion | Rp9.44 Trillion | ▲ +104.6% |
| 2018 | -0.19x | Rp-1.35 Trillion | Rp-1.36 Trillion | Rp7.10 Trillion | ▼ -695.5% |
| 2017 | 0.03x | Rp267.57 Billion | Rp258.34 Billion | Rp8.36 Trillion | ▲ +204.1% |
| 2016 | -0.03x | Rp-232.85 Billion | Rp-263.29 Billion | Rp7.57 Trillion | ▼ -9.7% |
| 2015 | -0.03x | Rp-167.61 Billion | Rp-175.60 Billion | Rp5.98 Trillion | ▲ +71.7% |
| 2014 | -0.10x | Rp-508.00 Billion | Rp-512.53 Billion | Rp5.13 Trillion | ▼ -141.7% |
| 2013 | 0.24x | Rp836.41 Billion | Rp829.33 Billion | Rp3.53 Trillion | ▲ +55.3% |
| 2012 | 0.15x | Rp251.75 Billion | Rp248.96 Billion | Rp1.65 Trillion | ▲ +139.4% |
| 2011 | -0.39x | Rp-218.58 Billion | Rp-219.23 Billion | Rp564.27 Billion | ▲ +42.5% |
| 2010 | -0.67x | Rp-212.53 Billion | Rp-214.54 Billion | Rp315.33 Billion | ▲ +94.8% |
| 2009 | -13.02x | Rp-144.45 Billion | Rp-149.55 Billion | Rp11.10 Billion | — |