Bank Panin Syariah Tbk (PNBS) — Free Cash Flow Generation Index
Bank Panin Syariah Tbk (PNBS) has a Free Cash Flow Generation Index of 0.99x as of December 2025. Free cash flow of Rp1.03 Trillion represents 1% of operating cash flow (Rp1.04 Trillion). Read debt load of Bank Panin Syariah Tbk for a breakdown of total debt and financial obligations.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Bank Panin Syariah Tbk Free Cash Flow Generation Index (2012–2025)
Historical FCF Generation Index trend for Bank Panin Syariah Tbk across 7 annual periods. Explore Bank Panin Syariah Tbk capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
Annual Free Cash Flow Generation for Bank Panin Syariah Tbk (2012–2025)
Year-by-year Free Cash Flow Generation Index for Bank Panin Syariah Tbk. For the full company profile including market capitalisation, see PNBS company net worth.
| Year | FCG Index | Free Cash Flow (IDR) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.99x | Rp3.61 Trillion | Rp3.64 Trillion | Rp25.48 Billion | ▲ +1.3% |
| 2023 | 0.98x | Rp926.53 Billion | Rp945.03 Billion | Rp18.50 Billion | ▼ -1.3% |
| 2021 | 0.99x | Rp682.71 Billion | Rp687.41 Billion | Rp4.71 Billion | ▲ +1.0% |
| 2019 | 0.98x | Rp79.27 Billion | Rp80.65 Billion | Rp1.38 Billion | ▲ +1.9% |
| 2017 | 0.96x | Rp249.10 Billion | Rp258.34 Billion | Rp9.23 Billion | ▼ -2.7% |
| 2013 | 0.99x | Rp822.25 Billion | Rp829.33 Billion | Rp7.08 Billion | ▲ +0.3% |
| 2012 | 0.99x | Rp246.17 Billion | Rp248.96 Billion | Rp2.79 Billion | — |