PT Panin Financial Tbk (ISX:PNLF) Scaled Net Operating Assets: 0.24 (As of Mar. 2026)


ISX:PNLF PT Panin Financial Tbk ISX:PNLF
71 GF Score
Price Rp216.00
GF Value Rp276.53
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is PT Panin Financial Tbk Scaled Net Operating Assets?

PT Panin Financial Tbk ISX:PNLF +0.93% 71 Scaled Net Operating Assets is 0.24 as of Mar. 2026. GuruFocus rates ISX:PNLF with a GF Score™ of 71/100 and a GF Value™ of Rp276.53 (Modestly Undervalued). The stock has 3 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 Panin Financial Tbk's operating assets for the quarter that ended in Mar. 2026 was Rp218,997,435 Mil. PT Panin Financial Tbk's operating liabilities for the quarter that ended in Mar. 2026 was Rp159,356,695 Mil. PT Panin Financial Tbk's Total Assets for the quarter that ended in Dec. 2025 was Rp251,704,899 Mil. Therefore, PT Panin Financial Tbk's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.24.

ISX:PNLF
71GF Score
PT Panin Financial Tbk ISX:PNLF
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PT Panin Financial 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 Panin Financial 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 )
=(234912669-173601977)/256910951
=0.24

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=251704899 - 16792230
=234912669

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=182571591 - 8969614 - 0
=173601977

PT Panin Financial 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 )
=(218997435-159356695)/251704899
=0.24

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=239275013 - 20277578
=218997435

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=170738223 - 11381528 - 0
=159356695

* 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 0.24 mean?
PT Panin Financial Tbk (ISX:PNLF) has a Scaled Net Operating Assets of 0.24 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 Panin Financial Tbk and its competitors.
Is PT Panin Financial Tbk's Scaled Net Operating Assets too high?
PT Panin Financial Tbk's current Scaled Net Operating Assets is 0.24. Overall, PT Panin Financial Tbk has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Panin Financial Tbk's Scaled Net Operating Assets compare to competitors?
PT Panin Financial Tbk's Scaled Net Operating Assets of 0.24 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 Panin Financial Tbk and its competitors. PT Panin Financial Tbk's current Scaled Net Operating Assets is 0.24. 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 Rp276.53, compared to a current price of Rp216.00 — trading 21.9% below its estimated fair value. The current Scaled Net Operating Assets is 0.24. PT Panin Financial Tbk's overall GF Score™ is 71/100 with 3 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 Panin Financial Tbk (ISX:PNLF), the current Scaled Net Operating Assets is 0.24 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 Rp216.00 is trading 21.9% below its estimated GF Value™ of Rp276.53. GuruFocus considers PT Panin Financial Tbk to be Modestly Undervalued.

Key valuation signals for ISX:PNLF:

  • Scaled Net Operating Assets: 0.24
  • GF Value™: Rp276.53 vs. price of Rp216.00 (21.9% 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

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

Rp216.00
Price
Rp276.53
GF Value