PT Panin Financial Tbk (ISX:PNLF) Net Loan: Rp133,719,904 Mil (As of Mar. 2026)

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ISX:PNLF PT Panin Financial Tbk ISX:PNLF
73 GF Score
Price Rp228.00
GF Value Rp276.75
Valuation Modestly Undervalued
! 3 Warning Signs
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What is PT Panin Financial Tbk Net Loan?

PT Panin Financial Tbk ISX:PNLF 73 Net Loan is Rp133,719,904 Mil as of Mar. 2026. GuruFocus rates ISX:PNLF with a GF Score™ of 73/100 and a GF Value™ of Rp276.75 (Modestly Undervalued). The stock has 3 warning signs investors should review.

PT Panin Financial Tbk's quarterly net loan increased from Sep. 2025 (Rp127,464,374 Mil) to Dec. 2025 (Rp138,610,343 Mil) but then declined from Dec. 2025 (Rp138,610,343 Mil) to Mar. 2026 (Rp133,719,904 Mil).

PT Panin Financial Tbk's annual net loan increased from Dec. 2023 (Rp139,927,278 Mil) to Dec. 2024 (Rp138,610,343 Mil) but then declined from Dec. 2024 (Rp138,610,343 Mil) to Dec. 2025 (Rp133,719,904 Mil).

PT Panin Financial Tbk Net Loan Historical Data

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The historical data trend for PT Panin Financial Tbk's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

PT Panin Financial Tbk Net Loan Chart

PT Panin Financial Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 113,300,680.00 123,832,611.00 139,927,278.00 141,674,835.00 138,610,343.00

PT Panin Financial Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 129,258,522.00 133,399,105.00 127,464,374.00 138,610,343.00 133,719,904.00
ISX:PNLF
73GF Score
PT Panin Financial Tbk ISX:PNLF
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Panin Financial Tbk Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of Rp133,719,904 Mil mean?
PT Panin Financial Tbk (ISX:PNLF) has a Net Loan of Rp133,719,904 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on PT Panin Financial Tbk and its competitors.
Is PT Panin Financial Tbk's Net Loan too high?
PT Panin Financial Tbk's current Net Loan is Rp133,719,904 Mil. Overall, PT Panin Financial Tbk has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Panin Financial Tbk's Net Loan compare to competitors?
PT Panin Financial Tbk's Net Loan of Rp133,719,904 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on PT Panin Financial Tbk and its competitors. PT Panin Financial Tbk's current Net Loan is Rp133,719,904 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Panin Financial Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Panin Financial Tbk (ISX:PNLF) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp276.75, compared to a current price of Rp228.00 — trading 17.6% below its estimated fair value. The current Net Loan is Rp133,719,904 Mil. PT Panin Financial Tbk's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For PT Panin Financial Tbk (ISX:PNLF), the current Net Loan is Rp133,719,904 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is PT Panin Financial Tbk (ISX:PNLF) Overvalued in 2026?

Based on GuruFocus' analysis, PT Panin Financial Tbk stock appears to be undervalued. The current stock price of Rp228.00 is trading 17.6% below its estimated GF Value™ of Rp276.75. GuruFocus considers PT Panin Financial Tbk to be Modestly Undervalued.

Key valuation signals for ISX:PNLF:

  • Net Loan: Rp133,719,904 Mil
  • GF Value™: Rp276.75 vs. price of Rp228.00 (17.6% below fair value)
  • GF Score™: 73/100 with 3 warning signs

No single metric tells the full story. See the ISX:PNLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT Panin Financial Tbk Business Description

Address Jalan Jendral Sudirman Kav. 1 - Senayan, Panin Bank Headquarters Building, 8th Floor, Jakarta, IDN, 10270
PT Panin Financial Tbk is an Indonesian company in providing management, business, and administration consulting services. The company is also engaged in providing life insurance, health insurance, personal insurance, and annuity business. The company's reportable segments are Life insurance and business consulting services, and Banking and Multi-finance.
73GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp228.00
Price
Rp276.75
GF Value