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 PNLF cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see Panin Financial Tbk (PNLF) cash flow conversion.
Annual Financial Flexibility Index for Panin Financial Tbk (2007–2024)
Year-by-year free cash flow to debt coverage for Panin Financial Tbk. Explore Panin Financial Tbk (PNLF) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
| 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 | — |