Bank Pan Indonesia Tbk

Overview

PNBN Overview

PT Bank Pan Indonesia Tbk is an Indonesia-based company, which is engaged in banking services. The Company’s segments include Banking and Multi-finance. The Company offers a range of banking products and/or services, which include savings products, loan products, electronic banking products and other services. Its savings products include Tabungan Panin, Tabungan Junior, Tabunganku, Tabungan Rencana, Simpanan Pan Dollar, Tabanas Panin, Demand Deposit and Time Deposit. Its loan products include Kredit Express Panin, Mortgage Loan, Multipurpose Loan, SMART Panin, Micro Loan, Credit Card, Corporation Loan and Syndicated Loan. Its electronic banking products include ATM, Call Panin, Mobile Panin, Internet Panin and Biznet Panin. Its other services include Cash Management, Panin Remittance, Rekening Dana Nasabah (RDN) Panin, Panin Prioritas, Panin Prioritas and Save Deposit Box (SDB) Panin. Its subsidiaries include PT Clipan Finance Indonesia Tbk and PT Bank Panin Dubai Syariah Tbk.

5101520ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: PNBN

Main
Market Cap.
IDR 29.98Trillion

~$1.84B USD

Industry
Banks
Sub-Industry
Banks
Sector
Financials
Sub-Sector

Valuation

PNBN Valuation Metrics

1,245

IDR
-0.4%

Closing Price on 2024-07-18

Price to Equity

9.66

P/E

At 9.66x P/E TTM, PNBN.JK is trading at a discount to its peers in the Banks sector.

Price to Book

0.60

P/B

At 0.60x P/B TTM, PNBN.JK is trading at a discount to its peers in the Banks sector.

Price to Sales

2.80

P/S

At 2.80x P/S TTM, PNBN.JK is trading at a discount to its peers in the Banks sector.

Valuing Bank Pan Indonesia Tbk based on its trailing twelve months (TTM) valuation metrics against its peers in the Banks sector

Historical Price to Earnings

Other Valuation Metrics

Valuing Bank Pan Indonesia Tbk relative to other stocks in the Banks sector

Price/Cash Flow2.88x
Price/Forward Earnings-
PEG Ratio0.99x

Intrinsic Value

Last closing: IDR1,2452024-07-18
IDR 1,438.30

Slightly Higher Intrinsic Value: Analyst's intrinsic value is of PNBN is IDR1,438, which is 17% higher than PNBN's last closing price of IDR1,245 (as of 2024-07-18).

Valuation Recap of PNBN stock
WeightNotesScore
High
The P/E ratio is calculated by dividing the market price of a company's stock by its earnings per share (EPS). It is a key tool for investors and analysts to assess whether a stock is overvalued, undervalued, or fairly valued. A P/E ratio of 9.66x is above the ID market average of 8.44x and is trading at a discount to peers in the Banks sector (15.68x).

High
The P/B ratio is calculated by dividing the market price of a company's stock by its book value per share (BVPS). It measures the company's stock value relative to its assets minus liabilities. A P/B ratio of 0.60x is similar to the peers average of 0.81x in the Banks sector.

Medium
The P/S ratio is calculated by dividing the market price of a company's stock by its sales per share. It measures the company's stock value relative to its sales. A P/S ratio of 2.80x is below the peers average of 3.57x in the Banks sector. When considered alongside the Forward Price/Earnings ratio, they serve to illustrate investors' expectations of PNBN's valuation relative to its current sales and future earnings growth.

Low
The Price/Cash Flow ratio (P/CF) is calculated by dividing the market price of a company's stock by its cash flow per share. It measures the company's stock value relative to its cash flow, and is sometimes said to be a more objective measure of a company's value because cash flows cannot be manipulated as easily as earnings, which considers non-cash items such as depreciation and amortization. PNBN's P/CF ratio of 2.88x is considered healthy by analysts.

Medium
Slightly Higher Intrinsic Value: Analyst's intrinsic value is of PNBN is IDR 1,438.30, which is 17% higher than PNBN's last closing price of IDR 1,245.00.

Peers

PNBN Peers and Comparison

Peer Companies

Supertype Fuzzy Search
SymbolCompany Name
Market Cap
(in Trillion IDR)
Total Assets
(in Trillion IDR)
Total Revenue
(in Trillion IDR)
Profit and Loss
(in Trillion IDR)
P/E
P/B
BBCAPT Bank Central Asia Tbk.1,245.08T1,408.11T 101.91T 48.64T 25.605.14
BBRIPT Bank Rakyat Indonesia (Persero) Tbk738.88T1,989.07T 178.91T 59.88T 12.342.52
BMRIPT Bank Mandiri (Persero) Tbk611.33T2,174.22T 123.24T 55.06T 11.102.34
BBNIPT Bank Negara Indonesia (Persero) Tbk189.03T1,066.72T 60.27T 21.08T 8.971.30
BRISPT Bank Syariah Indonesia Tbk113.02T357.90T 19.39T 5.91T 19.132.79
SMMAPT Sinar Mas Multiartha Tbk92.97T116.18T 25.19T 0.45T 207.773.97
DNETPT Indoritel Makmur Internasional Tbk.70.21T20.44T 1.40T 0.58T 120.885.44
MEGABank Mega Tbk58.70T126.53T 7.85T 3.60T 16.322.94
BNGAPT Bank CIMB Niaga Tbk44.76T332.99T 19.03T 6.58T 6.800.87
BNLIBank Permata Tbk33.47T252.84T 11.97T 2.95T 11.350.82
Competitiveness Recap of PNBN stock
WeightNotesScore
High
At a market cap of IDR 29,981.47 billion, PNBN.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.

High
At a PE of 9.66, PNBN.JK ranks 8 out of 10 companies in the Financials sector for P/E value. The average PE is 43.86 (unadjusted). A high P/E ratio often indicates higher growth expectation, or other qualitative factors that led investors to believe that the company has a defensible competitive advantage compared to its peers in Financials. In this regard, it trails behind sector leaders such as PT Sinar Mas Multiartha Tbk (207.77) in the Financials sector.

Medium
At a PE of 9.66, PNBN.JK is trading at a lower PE than that of its subsector peers in Banks (median of 15.68). A lower P/E value presents a potential value opportunity, but it might also indicate that the company is facing headwinds in its business.

Medium
At a revenue of IDR 10.72 trillion, PNBN.JK ranks 8 in Revenue out of 10 companies in the Financials sector.

Medium
At a profit of IDR 3.10 trillion, PNBN.JK ranks 8 in Profit out of 10 companies in the Financials sector.

Future

Future Growth of PNBN

Growth Forecasts

Analyst Ratings

Based on ratings from 1 analysts for PNBN over the past 3 months.

Hold

Strong Buy

0.0%

Buy

0.0%

Hold

100.0%

Sell

0.0%

Strong Sell

0.0%

Last Update: 2024-07-04

Sector Benchmark

Banks companies in Indonesia are growing at a projected rate of 16.22% against the IDX average of +13.8%.

Banks sector overview
No data is available for PNBN at the moment.
Future growth prospect of PNBN
WeightNotesScore
High
PNBN's projected growth rate of 16.22% is above the ID market average of 13.82%.

High
The Banks sub-sector is projected to grow revenue by 24.55% in 2025. This number is higher than the previous year 2024's growth rate of 13.15%. This bodes well for PNBN's revenue growth prospects in the next 2 years.

Medium
The Banks sub-sector is projected to increase earnings by 15.70% in 2025. This number is higher than the previous year 2024's EPS growth of 4.63%. This bodes well for PNBN's earnings growth prospects in the next 2 years.

Medium
PNBN and its peers in the Banks sub-sector belongs to the Financials sector. Companies in the Financials sector are projected to have a fruitful year heading into 2025. Specifically, earnings are projected to increase by 15.70% in 2025 while revenue growth is projected to increase by 24.44%. These macroeconomic trends will likely be a tailwind for PNBN's earnings growth prospects in the next 2 years.

Technical

Daily Technical Ratings of PNBN

Oscillators

Sell

Sell

2

Neutral

9

Buy

0

Summary

Neutral

Sell

9

Neutral

10

Buy

7

Moving Averages

Neutral

Sell

7

Neutral

1

Buy

7

Summary

Technical Ratings of PNBN
IndicatorSummarySellNeutralBuy
SummaryNeutral9107
OscillatorsSell290
Moving AveragesNeutral717

Last Update: 2024-07-19

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Management

Executive Management

President Director

Herwidayatmo15.2 years

Vice President Director

Hendrawan Danusaputra15.4 years
Lionto GunawanDirector
Gunawan SantosoDirector
Edy HeryantoDirector
Januar HadiDirector
Antonius KetutDirector
Soewito TjokrorahardjoDirector
Haryono WongsonegoroDirector
NamePositionShares%Stock Value
(in Billion IDR)
No data is available for PNBN at the moment.

Ownership

PNBN Ownership

NameNumber of SharesOwnership (%)Value
Pt. Panin Financial Tbk11,089,071,28546.0413,805.89B
Votraint No.1103 Pty Ltd-9227040009,349,793,15238.8211,640.49B
Public (Scripless)3,131,154,139133,898.29B
Public (Scrip)511,527,4222.12636.85B
Treasury Stock6,100,0000.027.59B

Largest Institutional Buy

Pictet Asset Management (Europe) SA
Bought 31-12-2023
+782,700 shares
Vanguard Investments Australia Ltd
Bought 31-12-2023
+622 shares

Largest Institutional Sell

BlackRock Fund Advisors
Sold 31-12-2023
-2,603,900 shares
Pacific Investment Management Company, LLC
Sold 31-12-2023
-1,175,900 shares
Dimensional Fund Advisors LP
Sold 31-12-2023
-554,794 shares

Institutional Transactions

Tracking institutional transactions buying / selling of PNBN stock

Sustainability

Environmental, Social, and Governance (ESG) Risk Assessment

The ESG Risk Ratings measure PNBN's exposure to industry-specific material ESG risks and how well PNBN is managing those risks.

ESG Risk Rating

10
20
30
40
0
100

30.9

High Risk

Negligible

Low

Medium

High

Severe

ESG Risk Ranking among Banks Peers

1st rank = lowest risk

881

/ 1,051 peers worldwide

Global ESG Risk Ranking

11,983

/ 16,216 all companies worldwide

Last Full Update: 2023-02-20

Last Update: 2023-02-20

Source: Sustainalytics, Inc.

PNBN Filings

No noteworthy filings to report on

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