Bank Panin Dubai Syariah Tbk PT
IDX:PNBS

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Bank Panin Dubai Syariah Tbk PT Logo
Bank Panin Dubai Syariah Tbk PT
IDX:PNBS
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Price: 59 IDR 1.72% Market Closed
Market Cap: 2.3T IDR

DCF Value

This DCF valuation model was created by Alpha Spread and was last updated on Jan 16, 2026.

Estimated DCF Value of one PNBS stock is 34.99 IDR. Compared to the current market price of 59 IDR, the stock is Overvalued by 41%.

PNBS DCF Value
Base Case
34.99 IDR
Overvaluation 41%
DCF Value
Price
Worst Case
Base Case
Best Case
34.99
DCF Value
Worst Case
Base Case
Best Case
Hide
DCF Value: 34.99 IDR

Present Value Calculation

This block is the starting point of the DCF valuation process. It calculates the present value of a company's forecasted cash flows based on selected operating model. Adjust key parameters like discount rate and terminal growth, and alter inputs such as revenue growth and margins to see their impact on valuation.

DCF Model
Base Case Scenario

The present value of cash flows over the next 5 years amounts to 274.3B IDR. The present value of the terminal value is 1.1T IDR. The total present value equals 1.3T IDR.
Operating Model
Equity Model: Bank
Forecast Period
Years
Discount Rate
%
Show All DCF Settings
Terminal Growth
%
Hide DCF Settings
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DCF Value Calculation

This stage translates the present value into DCF value per share. For firm valuation models, it adjusts present value for debt and assets to derive equity value (skipped if using equity valuation model). Finally, this equity value is divided by the number of shares to determine the DCF value per share.

Present Value to DCF Value
Capital Structure

Present Value 1.3T IDR
Equity Value 1.3T IDR
/ Shares Outstanding 38.4B
PNBS DCF Value 34.99 IDR
Overvalued by 41%

You are using the equity valuation model. In this approach, further calculations for converting firm value to equity value are not required. The present value, obtained in the present value calculation block, already represents the equity value.

The DCF value per share is derived by dividing the present value by the number of shares:

Present Value
1.3T IDR
/
Number of Shares
38.4B
=
DCF Value
34.99 IDR

Valuation Analysis

Sensitivity Analysis
DCF Value Sensitivity Analysis

Sensitivity Analysis assesses how changes in key factors like revenue growth, margin, and discount rate affect a stock's DCF value. By visualizing various scenarios, from significant downturns to optimistic growth, this tool helps you understand potential valuation shifts, aiding in risk assessment and strategic decision-making.

DCF Financials
Financials used in DCF Calculation

Revenue
538.3B 566.9B
Net Income
22.7B 156B

What is the DCF value of one PNBS stock?

Estimated DCF Value of one PNBS stock is 34.99 IDR. Compared to the current market price of 59 IDR, the stock is Overvalued by 41%.

The true DCF Value lies somewhere between the worst-case and best-case scenario values. This is because the future is not predetermined, and the stock's DCF Value is based almost entirely on the future of the company. Knowing the full range of possible stock DCF values gives a complete picture of the investment risks and opportunities.

How was the DCF Value calculated?

1. Present Value Calculation. Utilizing the DCF operating model, Bank Panin Dubai Syariah Tbk PT's future cash flows are projected and then discounted using a chosen discount rate to determine its Present Value, which is calculated at 1.3T IDR.

2. DCF Value Calculation. The company's capital structure is employed to derive the total Equity Value from the previously calculated Present Value of the cash flow. This Equity Value, when divided by the total number of outstanding shares, yields the DCF Value of 34.99 IDR per share.

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