ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. PT Panin Financial Tbk's annualizedNet Income for the quarter that ended in Mar. 2026 was Rp3,256,068 Mil.
PT Panin Financial Tbk's average Total Assets over the quarter that ended in Mar. 2026 was Rp245,489,956 Mil. Therefore, PT Panin Financial Tbk's annualized ROA % for the quarter that ended in Mar. 2026 was 1.33%.
The historical rank and industry rank for PT Panin Financial Tbk's ROA % or its related term are showing as below:
ISX:PNLF'
s ROA % Range Over the Past 10 Years
Min: 0.63 Med: 3.37 Max: 6.84
Current: 0.87
During the past 13 years, PT Panin Financial Tbk's highest ROA % was 6.84%. The lowest was 0.63%. And the median was 3.37%.
ISX:PNLF's ROA % is ranked worse than 58.17% of 1530
companies
in the Banks industry
Industry Median: 0.98
vs ISX:PNLF: 0.87
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, PT Panin Financial Tbk's ROA % distribution charts can be found below:
* The bar in red indicates where PT Panin Financial Tbk's ROA % 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.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
PT Panin Financial Tbk (ISX:PNLF) has a ROA % of 1.33% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT Panin Financial Tbk and its competitors. This is 61% below median its historical median of 3.37. Over the past decade, PT Panin Financial Tbk's ROA % has ranged from 0.63 to 6.84. According to the industry distribution chart, PT Panin Financial Tbk ranks #890 out of 1530 companies in the Banks industry, placing it in the top 58.2%.
Is PT Panin Financial Tbk's ROA % too high?
PT Panin Financial Tbk's current ROA % of 1.33% is 61% below median its 10-year median of 3.37. Over the past 10 years, this metric has ranged from a low of 0.63 to a high of 6.84. The Banks industry median ROA % is 0.98. PT Panin Financial Tbk's value of 1.33% is 35.7% above this industry median. Based on the distribution chart, PT Panin Financial Tbk ranks #890 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, PT Panin Financial Tbk has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Panin Financial Tbk's ROA % compare to competitors?
According to the Banks industry distribution chart, PT Panin Financial Tbk ranks #890 out of 1530 companies for ROA %. This places PT Panin Financial Tbk in the lower half of its industry. The industry median ROA % is 0.98. PT Panin Financial Tbk's value of 1.33% is 35.7% above this benchmark. Historically, PT Panin Financial Tbk's own ROA % has ranged from 0.63 to 6.84 over the past decade. While the company's 10-year median is 3.37 vs. the industry median of 0.98, PT Panin Financial Tbk has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PT Panin Financial Tbk's current ROA % of 1.33% is 35.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PT Panin Financial Tbk and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Panin Financial Tbk's current ROA % is 1.33%, which is 61% below median its own 10-year median of 3.37. 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 Rp210.00 — trading 24% below its estimated fair value. The current ROA % is 1.33%, which is 61% below median its 10-year median of 3.37 and 35.7% above the Banks industry median of 0.98. PT Panin Financial Tbk's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For PT Panin Financial Tbk (ISX:PNLF), the current ROA % is 1.33% 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 Rp210.00 is trading 24% below its estimated GF Value™ of Rp276.49.
GuruFocus considers PT Panin Financial Tbk to be Modestly Undervalued.
Key valuation signals for ISX:PNLF:
ROA %: 1.33% (61% below median its 10-year median of 3.37)
GF Value™: Rp276.49 vs. price of Rp210.00 (24% below fair value)
Industry Position: 35.7% above the Banks median (#890 of 1530)
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.
75GF Score
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