Bank Panin Syariah Tbk Financial Flexibility Index
Bank Panin Syariah Tbk 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). See Bank Panin Syariah Tbk (PNBS) free cash flow to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Bank Panin Syariah Tbk (2009–2025)
Financial flexibility index of Bank Panin Syariah Tbk from 2009 to 2025. Historical Financial Flexibility Index trend for Bank Panin Syariah Tbk across 17 annual periods. Check how high is Bank Panin Syariah Tbk's earnings quality to evaluate the quality of earnings relative to operating cash generation.
Bank Panin Syariah Tbk Financial Flexibility Index by Year (2009–2025)
Bank Panin Syariah Tbk financial flexibility index by year from 2009 to 2025. Year-by-year free cash flow to debt coverage for Bank Panin Syariah Tbk. For the full cash flow conversion analysis, see Bank Panin Syariah Tbk (PNBS) cash conversion ratio.
| 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 | — |