* 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.
For the Banks - Regional subindustry, PT Panin Financial 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 Panin Financial Tbk FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Panin Financial Tbk's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PT Panin Financial Tbk's FCF Margin % falls into.
* 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 (ISX:PNLF) has a FCF Margin % of -142.79% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PT Panin Financial Tbk and its competitors. According to the industry distribution chart, PT Panin Financial Tbk ranks #727 out of 1506 companies in the Banks industry, placing it in the top 48.3%.
Is PT Panin Financial Tbk's FCF Margin % too high?
PT Panin Financial Tbk's current FCF Margin % is -142.79%. Based on the distribution chart, PT Panin Financial Tbk ranks #727 out of 1506 companies in the Banks industry, which is above the industry midpoint. Overall, PT Panin Financial Tbk has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Panin Financial Tbk's FCF Margin % compare to competitors?
According to the Banks industry distribution chart, PT Panin Financial Tbk ranks #727 out of 1506 companies for FCF Margin %. This puts PT Panin Financial Tbk in the upper half of its industry. The industry median FCF Margin % is 26.36. 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 a Banks company?
The median FCF Margin % among Banks companies is 26.36, based on 1,506 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 Panin Financial Tbk and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Panin Financial Tbk's current FCF Margin % is -142.79%. 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 Rp276.49, compared to a current price of Rp212.00 — trading 23.3% below its estimated fair value. The current FCF Margin % is -142.79%. PT Panin Financial Tbk's overall GF Score™ is 74/100 with 3 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 Panin Financial Tbk (ISX:PNLF), the current FCF Margin % is -142.79% 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 Rp212.00 is trading 23.3% below its estimated GF Value™ of Rp276.49.
GuruFocus considers PT Panin Financial Tbk to be Modestly Undervalued.
Key valuation signals for ISX:PNLF:
FCF Margin %: -142.79%
GF Value™: Rp276.49 vs. price of Rp212.00 (23.3% below fair value)
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 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.
74GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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