PT Bank Panin Dubai Syariah Tbk.

Overview

PNBS Overview

PT Bank Panin Dubai Syariah Tbk is an Indonesia-based commercial bank. The Company provides a range of products, such as PaS iB savings, iB Flexible savings, iB Business savings, PaS iB Hajj savings, PDSB mobile, PDSB virtual account, cash management system, PDSB Debit Card, PaS iB bank guarantee, and PaS iB safe deposit box. The Company offers PaS iB investment financing, PaS iB multi-service financing, PaS iB working capital financing, PaS iB home ownership financing (Mortgage), Syariah iB revolving financing, IMBT-Pas IB lease financing. It provides iB Fleximax savings, iB Plan Savings, IB Zam-Zam saving, and MGM savings. The Company offers a range of services, such as bank reference, standing instructions, clearing, intercity clearing, real-time gross settlement (RTGS), and transfer via SKN. It has 500 branches across the Middle East, Asia, and Africa. The working capital financing is offered to individual customers, business entities or legal entities for working capital needs.

5101520ValueCompetitiveFutureFinancialsDividend
Exchange
Indonesia Stock Exchange

Symbol: PNBS

Development
Market Cap.
IDR 1.94Trillion

~$119.16M USD

Industry
Banks
Sub-Industry
Banks
Sector
Financials
Sub-Sector

Valuation

PNBS Valuation Metrics

50

IDR
0.0%

Closing Price on 2024-07-19

Price to Equity

7.73

P/E

At 7.73x P/E TTM, PNBS.JK is trading at a discount to its peers in the Banks sector.

Price to Book

0.69

P/B

At 0.69x P/B TTM, PNBS.JK is trading at a discount to its peers in the Banks sector.

Price to Sales

3.99

P/S

At 3.99x P/S TTM, PNBS.JK is trading in line with its peers in the Banks sector.

Valuing PT Bank Panin Dubai Syariah 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 PT Bank Panin Dubai Syariah Tbk. relative to other stocks in the Banks sector

Price/Cash Flow42.76x
Price/Forward Earnings-
PEG Ratio-0.14x

Intrinsic Value

Last closing: IDR502024-07-19
IDR 42.09

Fairly Close to Intrinsic Value: Analyst's intrinsic value is of PNBS is IDR42, which is 15% lower than PNBS's last closing price of IDR50 (as of 2024-07-19).

Valuation Recap of PNBS 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 7.73x is below the ID market average of 8.44x and is trading at a discount to peers in the Banks sector (15.68x). In fact, less than 25% of its peers trade at a lower P/E ratio than PNBS.

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 0.69x 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 3.99x is similar to 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 PNBS'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. PNBS's P/CF ratio of 42.76x is considered a relatively high ratio by analysts.

Medium
Fairly Close to Intrinsic Value: Analyst's intrinsic value is of PNBS is IDR 42.09, which is 15% lower than PNBS's last closing price of IDR 50.00.

Peers

PNBS 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 PNBS stock
WeightNotesScore
High
At a market cap of IDR 1,940.68 billion, PNBS.JK ranks 10 in Market Cap out of 10 companies in the Financials sector.

High
At a PE of 7.73, PNBS.JK ranks 9 out of 10 companies in the Financials sector for P/E value. The average PE is 43.66 (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 7.73, PNBS.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 0.49 trillion, PNBS.JK ranks 10 in Revenue out of 10 companies in the Financials sector.

Medium
At a profit of IDR 0.25 trillion, PNBS.JK ranks 10 in Profit out of 10 companies in the Financials sector.

Future

Future Growth of PNBS

Growth Forecasts

Analyst Ratings

Based on ratings from 9 analysts for PNBS over the past 3 months.

Strong Buy

Strong Buy

77.8%

Buy

0.0%

Hold

11.1%

Sell

0.0%

Strong Sell

11.1%

Last Update: 2024-06-28

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 PNBS at the moment.
Future growth prospect of PNBS
WeightNotesScore
High
PNBS'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 PNBS'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 PNBS's earnings growth prospects in the next 2 years.

Medium
PNBS 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 PNBS's earnings growth prospects in the next 2 years.

Technical

Daily Technical Ratings of PNBS

Oscillators

Neutral

Sell

2

Neutral

8

Buy

1

Summary

Sell

Sell

11

Neutral

14

Buy

1

Moving Averages

Strong Sell

Sell

9

Neutral

6

Buy

0

Summary

Technical Ratings of PNBS
IndicatorSummarySellNeutralBuy
SummarySell11141
OscillatorsNeutral281
Moving AveragesStrong Sell960

Last Update: 2024-07-19

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Management

Executive Management

President Director

Bratha15.2 years
Budi PrakosoDirector
Shandra Noraya L.Director
ErickDirector
NamePositionShares%Stock Value
(in Billion IDR)
No data is available for PNBS at the moment.

Ownership

PNBS Ownership

NameNumber of SharesOwnership (%)Value
Pt Bank Panin Tbk26,121,527,03367.31,306.08B
Dubai Islamic Bank Pjsc9,742,223,97125.1487.11B
Public (Scripless)2,949,842,1057.6147.49B

PNBS Filings

No noteworthy filings to report on

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