PT Paninvest Tbk (ISX:PNIN) Risk Assessment

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:PNIN PT Paninvest Tbk ISX:PNIN
68 GF Score
Price Rp700.00
GF Value Rp901.71
Valuation Modestly Undervalued
! 2 Warning Signs
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What is PT Paninvest Tbk Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of PT Paninvest Tbk is: High Risk: High uncertainty with risk-return tradeoff.

PT Paninvest Tbk  (ISX:PNIN) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

PT Paninvest Tbk Risk Assessment Related Terms

ISX:PNIN vs MET, AFL, PRU: Risk Assessment Comparison

For the Insurance - Life subindustry, PT Paninvest Tbk's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Insurance Industry

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

* The bar in red indicates where PT Paninvest Tbk's Risk Assessment falls into.


ISX:PNIN
68GF Score
PT Paninvest Tbk ISX:PNIN
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 Rp700.00 is trading 22.4% below its estimated GF Value™ of Rp901.71. GuruFocus considers PT Paninvest Tbk to be Modestly Undervalued.

Key valuation signals for ISX:PNIN:

  • Risk Assessment:
  • GF Value™: Rp901.71 vs. price of Rp700.00 (22.4% below fair value)
  • GF Score™: 68/100 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 Indonesian holding company with interests primarily in insurance and financial services. Through its subsidiaries, notably PT Panin Life, it provides life insurance products including death, health, personal accident, and unit-linked coverage, and it also holds significant stakes in banking and multifinance businesses, including PT Bank Pan Indonesia (Panin Bank). Its reportable segments span life insurance and business consulting services, banking and multifinance, trade and services, and tourism. The company serves individual and institutional customers across Indonesia, with essentially all operations conducted domestically. Revenue is generated mainly through insurance premiums and commissions, alongside income from its banking and financing activities. Paninvest is part of the Panin Group, one of Indonesia's larger diversified financial conglomerates.
68GF Score

Get the complete analysis for ISX:PNIN

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

Rp700.00
Price
Rp901.71
GF Value