PNLF Relative Valuation - Panin Financial Tbk PT

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Price: 236 IDR 1.72% Market Closed

Market Cap: Rp7.6T

	Panin Financial Tbk PT IDX:PNLF	ID
	NobleOak Life Ltd ASX:NOL	AU

Relative Value

The Relative Value of one PNLF stock under the Base Case scenario is 377.24 IDR. Compared to the current market price of 236 IDR, Panin Financial Tbk PT is Undervalued by 37%.

Relative Value is the estimated value of a stock based on various valuation multiples like P/E and EV/EBIT ratios. It offers a quick snapshot of a stock's valuation in relation to its peers and historical norms.

What is Relative Valuation?

How is Relative Value calculated?

PNLF Relative Value

Base Case

Undervaluation 37%

Relative Value

Price

Worst Case

Base Case

Best Case

Valuation Multiples

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Multiples Across Competitors

All Multiples

P/S

P/E

P/B

Forward Multiples

			Market Cap	P/S	P/E	P/B
ID		Panin Financial Tbk PT IDX:PNLF	7.6T IDR	0.4	4.6	0.2
ZA	S	Sanlam Ltd JSE:SLM	184.2B ZAR	1.4	11.6	1.8
CN		China Life Insurance Co Ltd SSE:601628	1.2T CNY	3.1	6.9	1.9
ZA	D	Discovery Ltd JSE:DSY	170.2B ZAR	1.9	15.8	2.3
CN		Ping An Insurance Group Co of China Ltd SSE:601318	1.1T CNY	1.2	7.7	1.1
HK		AIA Group Ltd HKEX:1299	904.1B HKD	4.3	17.1	2.5
ZA	O	OUTsurance Group Ltd JSE:OUT	107.4B ZAR	2.6	21.5	7.9
ZA	O	Old Mutual Ltd JSE:OMU	58.1B ZAR	0.4	8.9	1
CA		Manulife Financial Corp TSX:MFC	77.9B CAD	2	15.1	1.6
US		Aflac Inc NYSE:AFL	55.1B USD	3.2	15.2	1.9
IN		Life Insurance Corporation Of India NSE:LICI	4.9T INR	0.5	9.2	3.4

				Revenue Growth	P/S to Growth
ID		Panin Financial Tbk PT IDX:PNLF	Average P/S: 1.9 0.4	N/A	N/A
ZA	S	Sanlam Ltd JSE:SLM	1.4	N/A	N/A
CN		China Life Insurance Co Ltd SSE:601628	3.1	2%	1.6
ZA	D	Discovery Ltd JSE:DSY	1.9	-8%	N/A
CN		Ping An Insurance Group Co of China Ltd SSE:601318	1.2	-8%	N/A
HK		AIA Group Ltd HKEX:1299	4.3	2%	2.2
ZA	O	OUTsurance Group Ltd JSE:OUT	2.6	10%	0.3
ZA	O	Old Mutual Ltd JSE:OMU	0.4	-55%	N/A
CA		Manulife Financial Corp TSX:MFC	2	18%	0.1
US		Aflac Inc NYSE:AFL	3.2	1%	3.2
IN		Life Insurance Corporation Of India NSE:LICI	0.5	7%	0.1

				Earnings Growth	PEG
ID		Panin Financial Tbk PT IDX:PNLF	Average P/E: 12.1 4.6	N/A	N/A
ZA	S	Sanlam Ltd JSE:SLM	11.6	N/A	N/A
CN		China Life Insurance Co Ltd SSE:601628	6.9	6%	1.2
ZA	D	Discovery Ltd JSE:DSY	15.8	17%	0.9
CN		Ping An Insurance Group Co of China Ltd SSE:601318	7.7	9%	0.9
HK		AIA Group Ltd HKEX:1299	17.1	N/A	N/A
ZA	O	OUTsurance Group Ltd JSE:OUT	21.5	14%	1.5
ZA	O	Old Mutual Ltd JSE:OMU	8.9	10%	0.9
CA		Manulife Financial Corp TSX:MFC	15.1	21%	0.7
US		Aflac Inc NYSE:AFL	15.2	5%	3
IN		Life Insurance Corporation Of India NSE:LICI	9.2	11%	0.8


ID		Panin Financial Tbk PT IDX:PNLF	Average P/B: 2.3 0.2
ZA	S	Sanlam Ltd JSE:SLM	1.8
CN		China Life Insurance Co Ltd SSE:601628	1.9
ZA	D	Discovery Ltd JSE:DSY	2.3
CN		Ping An Insurance Group Co of China Ltd SSE:601318	1.1
HK		AIA Group Ltd HKEX:1299	2.5
ZA	O	OUTsurance Group Ltd JSE:OUT	7.9
ZA	O	Old Mutual Ltd JSE:OMU	1
CA		Manulife Financial Corp TSX:MFC	1.6
US		Aflac Inc NYSE:AFL	1.9
IN		Life Insurance Corporation Of India NSE:LICI	3.4

Panin Financial Tbk PT
IDX:PNLF

Relative Value

Valuation Multiples

Multiples Across Competitors

PNLF Competitors Multiples
Panin Financial Tbk PT Competitors

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Panin Financial Tbk PT IDX:PNLF

Relative Value

Valuation Multiples

Multiples Across Competitors

PNLF Competitors Multiples Panin Financial Tbk PT Competitors

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Panin Financial Tbk PT
IDX:PNLF

PNLF Competitors Multiples
Panin Financial Tbk PT Competitors