PT Panin Financial Tbk (ISX:PNLF) LT-Debt-to-Total-Asset: 0.05 (As of Mar. 2026)

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ISX:PNLF PT Panin Financial Tbk ISX:PNLF
73 GF Score
Price Rp228.00
GF Value Rp276.56
Valuation Modestly Undervalued
! 3 Warning Signs
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What is PT Panin Financial Tbk LT-Debt-to-Total-Asset?

PT Panin Financial Tbk ISX:PNLF +0.88% 73 LT-Debt-to-Total-Asset is 0.05 as of Mar. 2026. GuruFocus rates ISX:PNLF with a GF Score™ of 73/100 and a GF Value™ of Rp276.56 (Modestly Undervalued). The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. PT Panin Financial Tbk's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.05.

PT Panin Financial Tbk's long-term debt to total assets ratio increased from Mar. 2025 (0.02) to Mar. 2026 (0.05). It may suggest that PT Panin Financial Tbk is progressively becoming more dependent on debt to grow their business.

PT Panin Financial Tbk  (ISX:PNLF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

PT Panin Financial Tbk LT-Debt-to-Total-Asset Related Terms

PT Panin Financial Tbk LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for PT Panin Financial Tbk's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

PT Panin Financial Tbk Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.03 0.04 0.03 0.03 0.04

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
LT-Debt-to-Total-Asset 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 0.02 0.02 0.02 0.04 0.05
ISX:PNLF
73GF Score
PT Panin Financial Tbk ISX:PNLF
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Panin Financial Tbk LT-Debt-to-Total-Asset Calculation

PT Panin Financial Tbk's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=8969614/251704899
=0.04

PT Panin Financial Tbk's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=11381528/239275013
=0.05

* 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 LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.05 mean?
PT Panin Financial Tbk (ISX:PNLF) has a LT-Debt-to-Total-Asset of 0.05 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on PT Panin Financial Tbk and its competitors.
Is PT Panin Financial Tbk's LT-Debt-to-Total-Asset too high?
PT Panin Financial Tbk's current LT-Debt-to-Total-Asset is 0.05. 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 LT-Debt-to-Total-Asset compare to competitors?
PT Panin Financial Tbk's LT-Debt-to-Total-Asset of 0.05 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 LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on PT Panin Financial Tbk and its competitors. PT Panin Financial Tbk's current LT-Debt-to-Total-Asset is 0.05. 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 Rp276.56, compared to a current price of Rp228.00 — trading 17.6% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.05. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For PT Panin Financial Tbk (ISX:PNLF), the current LT-Debt-to-Total-Asset is 0.05 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 Rp276.56. GuruFocus considers PT Panin Financial Tbk to be Modestly Undervalued.

Key valuation signals for ISX:PNLF:

  • LT-Debt-to-Total-Asset: 0.05
  • GF Value™: Rp276.56 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

Get the complete analysis for ISX:PNLF

LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp228.00
Price
Rp276.56
GF Value