Panin Financial Tbk (PNLF) — Financial Flexibility Index
Panin Financial Tbk (PNLF) has a Financial Flexibility Index of 0.09x as of June 2025. Free cash flow of Rp15.54 Trillion (operating CF Rp954.37 Billion minus capex Rp14.58 Trillion) represents 0% of total liabilities (Rp174.93 Trillion). Check Panin Financial Tbk PP&E and investment ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Panin Financial Tbk Financial Flexibility Index (2007–2024)
Historical Financial Flexibility Index trend for Panin Financial Tbk across 18 annual periods. See working capital to net assets of Panin Financial Tbk to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Panin Financial Tbk (2007–2024)
Year-by-year free cash flow to debt coverage for Panin Financial Tbk. For the full company profile including market capitalisation, see Panin Financial Tbk (PNLF) market capitalisation.
| Year | Flexibility Index | Free Cash Flow (IDR) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.10x | Rp19.68 Trillion | Rp19.23 Trillion | Rp191.94 Trillion | ▲ +348.9% |
| 2023 | 0.02x | Rp3.94 Trillion | Rp3.78 Trillion | Rp172.60 Trillion | ▼ -94.8% |
| 2022 | 0.44x | Rp1.84 Trillion | Rp1.83 Trillion | Rp4.19 Trillion | ▲ +3851.4% |
| 2021 | -0.01x | Rp-51.95 Billion | Rp-55.68 Billion | Rp4.43 Trillion | ▼ -199.4% |
| 2020 | 0.01x | Rp53.50 Billion | Rp51.09 Billion | Rp4.54 Trillion | ▲ +120.9% |
| 2019 | -0.06x | Rp-248.18 Billion | Rp-250.17 Billion | Rp4.39 Trillion | ▼ -113.8% |
| 2018 | 0.41x | Rp1.83 Trillion | Rp1.83 Trillion | Rp4.48 Trillion | ▲ +25.2% |
| 2017 | 0.33x | Rp1.47 Trillion | Rp1.46 Trillion | Rp4.51 Trillion | ▼ -2.6% |
| 2016 | 0.34x | Rp1.54 Trillion | Rp1.54 Trillion | Rp4.60 Trillion | ▲ +55.6% |
| 2015 | 0.22x | Rp911.02 Billion | Rp905.40 Billion | Rp4.23 Trillion | ▼ -37.4% |
| 2014 | 0.34x | Rp1.68 Trillion | Rp1.29 Trillion | Rp4.90 Trillion | ▼ -0.3% |
| 2013 | 0.34x | Rp1.18 Trillion | Rp1.17 Trillion | Rp3.42 Trillion | ▲ +6.7% |
| 2012 | 0.32x | Rp1.12 Trillion | Rp1.11 Trillion | Rp3.46 Trillion | ▲ +45.5% |
| 2011 | 0.22x | Rp736.27 Billion | Rp735.50 Billion | Rp3.31 Trillion | ▲ +1205.2% |
| 2010 | -0.02x | Rp-50.79 Billion | Rp-52.49 Billion | Rp2.53 Trillion | ▼ -147.3% |
| 2009 | 0.04x | Rp97.08 Billion | Rp94.13 Billion | Rp2.28 Trillion | ▲ +116.0% |
| 2008 | -0.27x | Rp-423.47 Billion | Rp-434.28 Billion | Rp1.59 Trillion | ▼ -220.8% |
| 2007 | 0.22x | Rp517.77 Billion | Rp516.97 Billion | Rp2.35 Trillion | — |