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). See PNBS working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
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 PNBS operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
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 Bank Panin Syariah Tbk market capitalisation.
| 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 | — |