PT Paninvest Tbk (ISX:PNIN) FCF Margin %: -137.21% (As of Mar. 2026)

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ISX:PNIN PT Paninvest Tbk ISX:PNIN
70 GF Score
Price Rp715.00
GF Value Rp917.46
Valuation Modestly Undervalued
! 2 Warning Signs
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What is PT Paninvest Tbk FCF Margin %?

PT Paninvest Tbk ISX:PNIN -2.05% 70 FCF Margin % is -137.21% as of Mar. 2026. GuruFocus rates ISX:PNIN with a GF Score™ of 70/100 and a GF Value™ of Rp917.46 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, PT Paninvest Tbk ranks better than 90.22% on this metric.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. PT Paninvest Tbk's Free Cash Flow for the three months ended in Mar. 2026 was Rp-3,985,323 Mil. PT Paninvest Tbk's Revenue for the three months ended in Mar. 2026 was Rp2,904,577 Mil. Therefore, PT Paninvest Tbk's FCF Margin % for the quarter that ended in Mar. 2026 was -137.21%.

As of today, PT Paninvest Tbk's current FCF Yield % is 149.15%.

The historical rank and industry rank for PT Paninvest Tbk's FCF Margin % or its related term are showing as below:

ISX:PNIN' s FCF Margin % Range Over the Past 10 Years
Min: -16.65   Med: -1.54   Max: 151.71
Current: 38.12


During the past 13 years, the highest FCF Margin % of PT Paninvest Tbk was 151.71%. The lowest was -16.65%. And the median was -1.54%.

ISX:PNIN's FCF Margin % is ranked better than
90.22% of 501 companies
in the Insurance industry
Industry Median: 9.74 vs ISX:PNIN: 38.12


PT Paninvest Tbk FCF Margin % Related Terms


PT Paninvest Tbk FCF Margin % Historical Data

* Premium members only.

The historical data trend for PT Paninvest Tbk's FCF Margin % 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 Paninvest Tbk FCF Margin % Chart

PT Paninvest Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -2.15 -16.65 33.29 151.71 -0.93

PT Paninvest Tbk Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
FCF Margin % 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 -345.58 33.64 43.56 399.39 -137.21

ISX:PNIN vs AFL, MET, PRU: FCF Margin % Comparison

For the Insurance - Life subindustry, PT Paninvest Tbk's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


PT Paninvest Tbk FCF Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, PT Paninvest Tbk's FCF Margin % distribution charts can be found below:

* The bar in red indicates where PT Paninvest Tbk's FCF Margin % falls into.


ISX:PNIN
70GF Score
PT Paninvest Tbk ISX:PNIN
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Paninvest Tbk FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

PT Paninvest Tbk's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-101369/10915370
=-0.93 %

PT Paninvest Tbk's FCF Margin for the quarter that ended in Mar. 2026 is calculated as

FCF Margin=Free Cash Flow (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-3985323/2904577
=-137.21 %

* 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.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -137.21% mean?
PT Paninvest Tbk (ISX:PNIN) has a FCF Margin % of -137.21% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Paninvest Tbk and its competitors. According to the industry distribution chart, PT Paninvest Tbk ranks #49 out of 501 companies in the Insurance industry, placing it in the top 9.8%.
Is PT Paninvest Tbk's FCF Margin % too high?
PT Paninvest Tbk's current FCF Margin % is -137.21%. Based on the distribution chart, PT Paninvest Tbk ranks #49 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, PT Paninvest Tbk has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Paninvest Tbk's FCF Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, PT Paninvest Tbk ranks #49 out of 501 companies for FCF Margin %. This places PT Paninvest Tbk in the top 10% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.74. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.74, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Paninvest Tbk and its competitors. For the Insurance industry, the median FCF Margin % is 9.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Paninvest Tbk's current FCF Margin % is -137.21%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Paninvest Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Paninvest Tbk (ISX:PNIN) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp917.46, compared to a current price of Rp715.00 — trading 22.1% below its estimated fair value. The current FCF Margin % is -137.21%. PT Paninvest Tbk's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PT Paninvest Tbk (ISX:PNIN), the current FCF Margin % is -137.21% 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 Paninvest Tbk (ISX:PNIN) Overvalued in 2026?

Based on GuruFocus' analysis, PT Paninvest Tbk stock appears to be undervalued. The current stock price of Rp715.00 is trading 22.1% below its estimated GF Value™ of Rp917.46. GuruFocus considers PT Paninvest Tbk to be Modestly Undervalued.

Key valuation signals for ISX:PNIN:

  • FCF Margin %: -137.21%
  • GF Value™: Rp917.46 vs. price of Rp715.00 (22.1% below fair value)
  • GF Score™: 70/100 with 2 warning signs

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


PT Paninvest Tbk Business Description

Address Jalan. Palmerah Utara No. 52, Panin Bank Plaza 6th Floor, Jakarta, IDN, 11480
PT Paninvest Tbk is an Indonesia-based company mainly engaged in providing life insurance products. The group classifies their lines of business into life insurance which comprises death, personal health, personal accident, unit link, and others. The company's reportable segments consist of life insurance and business consulting services, banking and multi-finance, trade and services, and tourism. Geographically, all the business activity functions through the region of Indonesia and it derives majority of the income in the form of premiums and commissions.
70GF Score

Get the complete analysis for ISX:PNIN

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

Rp715.00
Price
Rp917.46
GF Value