PT Bank Pan Indonesia Tbk (ISX:PNBN) Scaled Net Operating Assets: 0.23 (As of Mar. 2026)

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ISX:PNBN PT Bank Pan Indonesia Tbk ISX:PNBN
62 GF Score
Price Rp890.00
GF Value Rp1,163.89
Valuation Modestly Undervalued
! 2 Warning Signs
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What is PT Bank Pan Indonesia Tbk Scaled Net Operating Assets?

PT Bank Pan Indonesia Tbk ISX:PNBN +1.14% 62 Scaled Net Operating Assets is 0.23 as of Mar. 2026. GuruFocus rates ISX:PNBN with a GF Score™ of 62/100 and a GF Value™ of Rp1,163.89 (Modestly Undervalued). The stock has 2 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PT Bank Pan Indonesia Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp209,504,822 Mil. PT Bank Pan Indonesia Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp154,901,189 Mil. PT Bank Pan Indonesia Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp237,326,686 Mil. Therefore, PT Bank Pan Indonesia Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.23.

ISX:PNBN
62GF Score
PT Bank Pan Indonesia Tbk ISX:PNBN
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PT Bank Pan Indonesia Tbk Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PT Bank Pan Indonesia Tbk's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(225244831-168981565)/243958575
=0.23

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=237326686 - 12081855
=225244831

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=178553673 - 9572108 - 0
=168981565

PT Bank Pan Indonesia Tbk's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(209504822-154901189)/237326686
=0.23

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=225361509 - 15856687
=209504822

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=167229618 - 12328429 - 0
=154901189

* 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.

What does a Scaled Net Operating Assets of 0.23 mean?
PT Bank Pan Indonesia Tbk (ISX:PNBN) has a Scaled Net Operating Assets of 0.23 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PT Bank Pan Indonesia Tbk and its competitors.
Is PT Bank Pan Indonesia Tbk's Scaled Net Operating Assets too high?
PT Bank Pan Indonesia Tbk's current Scaled Net Operating Assets is 0.23. Overall, PT Bank Pan Indonesia Tbk has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Pan Indonesia Tbk's Scaled Net Operating Assets compare to competitors?
PT Bank Pan Indonesia Tbk's Scaled Net Operating Assets of 0.23 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PT Bank Pan Indonesia Tbk and its competitors. PT Bank Pan Indonesia Tbk's current Scaled Net Operating Assets is 0.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Pan Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Pan Indonesia Tbk (ISX:PNBN) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp1,163.89, compared to a current price of Rp890.00 — trading 23.5% below its estimated fair value. The current Scaled Net Operating Assets is 0.23. PT Bank Pan Indonesia Tbk's overall GF Score™ is 62/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For PT Bank Pan Indonesia Tbk (ISX:PNBN), the current Scaled Net Operating Assets is 0.23 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 Bank Pan Indonesia Tbk (ISX:PNBN) Overvalued in 2026?

Based on GuruFocus' analysis, PT Bank Pan Indonesia Tbk stock appears to be undervalued. The current stock price of Rp890.00 is trading 23.5% below its estimated GF Value™ of Rp1,163.89. GuruFocus considers PT Bank Pan Indonesia Tbk to be Modestly Undervalued.

Key valuation signals for ISX:PNBN:

  • Scaled Net Operating Assets: 0.23
  • GF Value™: Rp1,163.89 vs. price of Rp890.00 (23.5% below fair value)
  • GF Score™: 62/100 with 2 warning signs

No single metric tells the full story. See the ISX:PNBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PT Bank Pan Indonesia Tbk Business Description

Address Jalan l. Jendral Sudirman Kav. 1, Panin Bank Center, Senayan, Jakarta, IDN, 10270
PT Bank Pan Indonesia Tbk is an Indonesian bank with a subsidiary that operates in the field of banking services. It provides Individual and business banking services. Its reportable segments are Banking and Multi-finance. It generates the majority of its revenue from the Banking segment, which includes conventional commercial banks and Sharia commercial banks. The principal operation of the group is in Indonesia.
62GF Score

Get the complete analysis for ISX:PNBN

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

Rp890.00
Price
Rp1,163.89
GF Value