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PNBS.JK$50.00+0.00%
Fair $50.00+0.0%

PNBS.JK

PT Bank Panin Dubai Syariah Tbk

Financial Services / Banks - RegionalJakarta

$50.00

+0.00 (+0.00%)

Fairly Valued+0.0%Fair Value $50.00Fund rank 29/100 · Data gapFallback financials|
SA 22/D
F-Score: 4/9
Declining RevenueLow Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 26.0/100

Data gap 29/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 18/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

22/100

D

Piotroski

4/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 2unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. Revenue has declined for 3 consecutive years ROE is 0.7%, below the 5% threshold
Thesis & Journal · PNBS.JKLocal privado en este navegador · PT Bank Panin Dubai Syariah Tbk
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$1.94T

P/E

34.0x

↑

EV/EBITDA

N/A

•

ROE

0.7%

↓

Gross Margin

N/A

•

Debt/Equity

0.00

↓
52-Week Range$50
$50$64

TradingView lightweight chart

PNBS.JK price, volumen y niveles de valoración

Último $50.00Periodo -48.5%
Fair value: $50.00

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2025 · 3 años de histórico normalizado

Revenue CAGR

-9.8%

FCF CAGR

—

FCF margin

28.1%

FCF / Net income

6.02x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $429.42B · net income $20.02B · FCF $120.56B

2022-FY → 2025-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

4.7%-38.2% pts

FCF margin

28.1%+111.8% pts
MetricTTM
2025
2024
2023
2022
Income Statement
Revenue$429.42B$429.42B$465.84B$516.57B$585.09B
Net Income$20.02B$20.02B$135.93B$227.52B$250.53B
EPS0.520.523.505.866.45
Net Margin4.7%4.7%29.2%44.0%42.8%
Balance Sheet
Debt/Equity0.000.000.000.000.01
Cash Flow
Free Cash Flow$120.56B$120.56B$-809.60B$926.53B$-489.67B
Returns
ROE0.7%0.7%4.8%8.2%10.0%
Valuation
P/E34.0134.0114.579.739.92
P/B0.650.650.690.800.99
Growth & Yield
Revenue Growth-7.8%-7.8%-9.8%-11.7%—
EPS Growth-85.1%-85.1%-40.3%-9.1%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%

3Y implied EPS CAGR

104.3%

muy exigente

EPS terminal req.

$4.44

Spread vs growth

-189.5%

5Y implied EPS CAGR

59.5%

muy exigente

EPS terminal req.

$5.37

Spread vs growth

-144.6%

10Y implied EPS CAGR

32.5%

muy exigente

EPS terminal req.

$8.65

Spread vs growth

-117.6%

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +0.0%

Total return

+0.0%

Start / end P/E

14.3x → 96.2x

EPS bridge

3.50 → 0.52

Residual

-487.9%

EPS growth-85.1%
Multiple rerating+573.1%
Dividend+0.0%
Residual / FX / buybacks / cross-term-487.9%

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.