Panin Financial Tbk Financial Flexibility Index
Panin Financial Tbk 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). See Panin Financial Tbk free cash flow efficiency 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 Panin Financial Tbk (2007–2024)
Financial flexibility index of Panin Financial Tbk from 2007 to 2024. Historical Financial Flexibility Index trend for Panin Financial Tbk across 18 annual periods. Check PNLF cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
Panin Financial Tbk Financial Flexibility Index by Year (2007–2024)
Panin Financial Tbk financial flexibility index by year from 2007 to 2024. Year-by-year free cash flow to debt coverage for Panin Financial Tbk. For the full cash flow conversion analysis, see cash efficiency ratio of Panin Financial Tbk.
| 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 | — |