PT Panin Financial Tbk (ISX:PNLF) Tariff Resilience Score: 0/10 (As of Jul. 25, 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 Rp228.00
GF Value Rp276.58
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is PT Panin Financial Tbk Tariff Resilience Score?

PT Panin Financial Tbk has the Tariff Resilience Score of 0, which implies that the company might have .

PT Panin Financial Tbk has

Tariff Resilience Score is a ranking system developed by GuruFocus to measure a company's exposure to international trade tariffs, rated on a scale from 0 to 10. It takes into account key factors such as global supply chain dependencies, manufacturing locations versus sales markets, import / export balance and percentage of revenue, and more.

The company's exposure to international trade tariffs based on these criteria:

1. Global supply chain dependencies
2. Manufacturing locations versus sales markets
3. Import/export balance and percentage of revenue
4. Historical impact from previous tariff changes
5. Available mitigation strategies (alternative suppliers, pricing power)
6. Industry-specific tariff exemptions or vulnerabilities

Based on the research, GuruFocus believes PT Panin Financial Tbk might have .

PT Panin Financial Tbk  (ISX:PNLF) Tariff Resilience Score Explanation

The Tariff Resilience Score ranges from 0 to 10, with 10 as the most resilient. GuruFocus divided Moat Score into following 3 categories:

Tariff Resilience Score Resilience Level
7 - 10Highly Resilient
4 - 6Average Resilient
0 - 3Highly Vulnerable

PT Panin Financial Tbk Tariff Resilience Score Related Terms

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

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 Rp228.00 is trading 17.6% below its estimated GF Value™ of Rp276.58. GuruFocus considers PT Panin Financial Tbk to be Modestly Undervalued.

Key valuation signals for ISX:PNLF:

  • Tariff Resilience Score: 0
  • GF Value™: Rp276.58 vs. price of Rp228.00 (17.6% 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

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

Rp228.00
Price
Rp276.58
GF Value