PT Panin Financial Tbk (ISX:PNLF) Margin of Safety % (DCF Dividends Based): N/A (As of Jul. 16, 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.

ISX:PNLF PT Panin Financial Tbk ISX:PNLF
71 GF Score
Price Rp224.00
GF Value Rp276.55
Valuation Modestly Undervalued
! 3 Warning Signs
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What is PT Panin Financial Tbk Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

PT Panin Financial Tbk's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF Dividends Based) is not calculated.

PT Panin Financial Tbk Margin of Safety % (DCF Dividends Based) Competitor Comparison

For the Banks - Regional subindustry, PT Panin Financial Tbk's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, PT Panin Financial Tbk's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where PT Panin Financial Tbk's Margin of Safety % (DCF Dividends Based) falls into.


ISX:PNLF
71GF Score
PT Panin Financial Tbk ISX:PNLF
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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 Rp224.00 is trading 19% below its estimated GF Value™ of Rp276.55. GuruFocus considers PT Panin Financial Tbk to be Modestly Undervalued.

Key valuation signals for ISX:PNLF:

  • Margin of Safety % (DCF Dividends Based): N/A
  • GF Value™: Rp276.55 vs. price of Rp224.00 (19% below fair value)
  • GF Score™: 71/100 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.
71GF Score

Get the complete analysis for ISX:PNLF

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

Rp224.00
Price
Rp276.55
GF Value