ATLASATLAS fair value
IDR 400.52
Below fair value · 58% discount
Range: IDR 360–IDR 441Fair valuePrice
Panin Financial (PNLF.JK)
Panin Financial stock price today, ATLAS forecast and fair value
Financial Services · Banks - Regional · Indonesia Stock Exchange · Indonesia
IDR 169.00▲ +0.60%
Prices as of Oct 27, 2026 · IDR
Chance of rising in 1 month
50%
that it ends higher than today in 21 sessions
0%coin flip 50%100%
This is just the summary. See everything on Panin Financial in ATLAS
ATLAS's own quantitative analysis, all in one place.
- Simulation and expected rangeThousands of simulated scenarios: how far the price could rise or fall.
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- Customer and supplier mapWho it does business with, from its own filings.
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On Panin Financial
- Simulation and expected rangeThousands of simulated scenarios: how far the price could rise or fall.
- Officers and shareholdersWho runs the company and which funds hold its shares.
- Customer and supplier mapWho it does business with, from its own filings.
- Valuation and financialsFair value step by step, quarterly accounts and upcoming events.
- NewsThe latest on the company, in one place.
And for you
- ATLAS builds your portfolioAnswer a short test and get portfolios that fit you.
- AlertsWe let you know when something changes in your stocks.
- Crisis simulatorHow your portfolio would do in a crash like 2008.
- Practice risk-free$10,000 in virtual money to invest at real prices.
- Global screenerSearch US stocks and stocks from 47 countries with filters.
Plans from €3.99 a month.
ATLAS estimates Panin Financial's fair value at about IDR 400.52 per share (reasonable range: IDR 360.47 to IDR 440.57). At IDR 169.00, the stock trades 58% below it.
It is calculated with valuation multiples of comparable companies. Confidence in the estimate is medium. It is an estimate, not a promise: if the company's results change, so does its fair value.
ATLAS's model gives Panin Financial a 50% chance of finishing higher a month from now (21 trading sessions) than today: close to a coin flip.
In half of the simulated outcomes the price ends between IDR 157.21 and IDR 181.22; in 9 out of 10, between IDR 138.60 and IDR 205.55. Estimated annual volatility is 39%.
Price, last 12 months (weekly close)
Key numbers
- Market cap
- IDR 6.1T
- Market cap (USD)
- $341M
- P/E ratio
- 3.1
- 52-week high
- IDR 334.00
- 52-week low
- IDR 153.00
- Revenue (12 months)
- IDR 9.7T
- Operating margin
- 29.6%
- Net margin
- 18.2%
- Beta
- -0.57
What this means
These are two different questions: fair value looks at the business (what it is worth given what it earns) and the odds look at the price over the next month. Panin Financial sits below fair value and its odds of rising over a month are close to a coin flip. An expensive stock can keep climbing and a cheap one can keep falling, which is why ATLAS shows the two readings separately.
Over the last 52 weeks PNLF.JK has traded between IDR 153.00 and IDR 334.00. Today it is 49.4% below that high and 10% above its low.
On the business: net margin is 18.2%; it trades at 3.1 times earnings.
Its beta is -0.57: it tends to move less than the market.
About the company
PT Panin Financial Tbk provides Sharia banking and financial services in Indonesia. It operates in two segments, Life Insurance and Business Consulting Service; and Banking and Multi-finance.
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Comparable companies
Other companies in the same line of business:
Frequently asked questions
What is Panin Financial (PNLF.JK) fair value?
About IDR 400.52 per share according to ATLAS (reasonable range: IDR 360.47 to IDR 440.57). With the stock at IDR 169.00, it is 58% below it.
What is the chance PNLF.JK goes up next month?
50%: close to a coin flip. In half of the simulated outcomes, PNLF.JK ends the month between IDR 157.21 and IDR 181.22.
How big is Panin Financial and what is its P/E ratio?
Panin Financial's market capitalization is IDR 6.1T. Its price-to-earnings (P/E) ratio is 3.1: you pay IDR 3.06 for each IDR 1.00 of yearly earnings.
How volatile is PNLF.JK?
ATLAS estimates annual volatility at 39%. In a typical month, half of the outcomes end between IDR 157.21 and IDR 181.22.
Not investment advice. ATLAS estimates are produced by statistical models from public data; they can be wrong and past performance does not predict future results. Consider your own situation before investing. Disclaimer