PT Bank Panin Dubai Syariah Tbk (FRA:2PS) Liabilities-to-Assets : 0.85 (As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:2PS PT Bank Panin Dubai Syariah Tbk FRA:2PS
69 GF Score
Price €0.00
! 1 Warning Sign
View Full Analysis

What is PT Bank Panin Dubai Syariah Tbk Liabilities-to-Assets?

PT Bank Panin Dubai Syariah Tbk FRA:2PS 69 Liabilities-to-Assets is 0.85 as of Jun. 2026. GuruFocus rates FRA:2PS with a GF Score™ of 69/100. The stock has 1 warning sign investors should review.

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. PT Bank Panin Dubai Syariah Tbk's Total Liabilities for the quarter that ended in Jun. 2026 was €845.45 Mil. PT Bank Panin Dubai Syariah Tbk's Total Assets for the quarter that ended in Jun. 2026 was €991.22 Mil. Therefore, PT Bank Panin Dubai Syariah Tbk's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 was 0.85.


PT Bank Panin Dubai Syariah Tbk  (FRA:2PS) Liabilities-to-Assets Explanation

Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.


PT Bank Panin Dubai Syariah Tbk Liabilities-to-Assets Related Terms


PT Bank Panin Dubai Syariah Tbk Liabilities-to-Assets Historical Data

* Premium members only.

The historical data trend for PT Bank Panin Dubai Syariah Tbk's Liabilities-to-Assets 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 Bank Panin Dubai Syariah Tbk Liabilities-to-Assets Chart

PT Bank Panin Dubai Syariah Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Liabilities-to-Assets
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.84 0.83 0.84 0.83 0.85

PT Bank Panin Dubai Syariah Tbk Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Liabilities-to-Assets 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 0.84 0.84 0.85 0.85 0.85

PT Bank Panin Dubai Syariah Tbk Liabilities-to-Assets Competitor Comparison

For the Banks - Regional subindustry, PT Bank Panin Dubai Syariah Tbk's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Bank Panin Dubai Syariah Tbk Liabilities-to-Assets vs Banks Industry

For the Banks industry and Financial Services sector, PT Bank Panin Dubai Syariah Tbk's Liabilities-to-Assets distribution charts can be found below:

* The bar in red indicates where PT Bank Panin Dubai Syariah Tbk's Liabilities-to-Assets falls into.


FRA:2PS
69GF Score
PT Bank Panin Dubai Syariah Tbk FRA:2PS
Liabilities-to-Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Bank Panin Dubai Syariah Tbk Liabilities-to-Assets Calculation

Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.

Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.

PT Bank Panin Dubai Syariah Tbk's Liabilities-to-Assets Ratio for the fiscal year that ended in Dec. 2025 is calculated as:

Liabilities-to-Assets (A: Dec. 2025 )=Total Liabilities/Total Assets
=825.307/977.214
=0.84

PT Bank Panin Dubai Syariah Tbk's Liabilities-to-Assets Ratio for the quarter that ended in Jun. 2026 is calculated as

Liabilities-to-Assets (Q: Jun. 2026 )=Total Liabilities/Total Assets
=845.445/991.223
=0.85

* 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 Liabilities-to-Assets →
What does a Liabilities-to-Assets of 0.85 mean?
PT Bank Panin Dubai Syariah Tbk (FRA:2PS) has a Liabilities-to-Assets of 0.85 as of Jun. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on PT Bank Panin Dubai Syariah Tbk and its competitors.
Is PT Bank Panin Dubai Syariah Tbk's Liabilities-to-Assets too high?
PT Bank Panin Dubai Syariah Tbk's current Liabilities-to-Assets is 0.85. Overall, PT Bank Panin Dubai Syariah Tbk has a GF Score™ of 69/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Panin Dubai Syariah Tbk's Liabilities-to-Assets compare to competitors?
PT Bank Panin Dubai Syariah Tbk's Liabilities-to-Assets of 0.85 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 Liabilities-to-Assets for a Banks company?
A good Liabilities-to-Assets depends on the Banks industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on PT Bank Panin Dubai Syariah Tbk and its competitors. PT Bank Panin Dubai Syariah Tbk's current Liabilities-to-Assets is 0.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Panin Dubai Syariah Tbk stock overvalued right now?
PT Bank Panin Dubai Syariah Tbk (FRA:2PS) has a current Liabilities-to-Assets of 0.85. The current Liabilities-to-Assets is 0.85. PT Bank Panin Dubai Syariah Tbk's overall GF Score™ is 69/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For PT Bank Panin Dubai Syariah Tbk (FRA:2PS), the current Liabilities-to-Assets is 0.85 as of Jun. 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.

PT Bank Panin Dubai Syariah Tbk Business Description

Other Exchanges PNBS:Indonesia
Address Jalan Letjend S. Parman Kav. 91, Panin Life Center Building, 3rd Floor, Slipi, Palmerah, West Jakarta, Jakarta, IDN, 11420
PT Bank Panin Dubai Syariah Tbk is an Indonesia-based Islamic commercial bank engaged in providing Sharia banking products and services. The bank offers financing products based on Murabahah, Mudharabah, Musyarakah, and Ijarah principles, along with savings accounts, current accounts, time deposits, treasury services, and digital banking solutions. Its operations serve retail, consumer, SME, and commercial banking customers in accordance with Islamic banking principles.
69GF Score

Get the complete analysis for FRA:2PS

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

€0.00
Price