Is PNBS.JK overvalued or undervalued?

PNBS.JK currently has a P/E ratio of 21.88. Relative to the sector average of 9.00, this suggests the stock may be overvalued. A higher P/E than peers means investors are paying more for each unit of earnings, often because they expect faster future growth. However, if that growth does not materialize, the stock can appear overvalued. A lower P/E may indicate weaker growth expectations or higher risk, but it can also signal a potential valuation discount.

How can I buy PT Bank Panin Dubai Syariah Tbk stock?

PT Bank Panin Dubai Syariah Tbk trades on JKT. Investors in Latin America can buy it through international and regional brokerage and investment platforms. You simply need a valid government ID or passport to get started.

Can I buy fractional shares of PNBS.JK?

Yes. Through fractional investing, you can invest exactly the amount you want, starting with as little as $1 or $5 USD (depending on what investment platform you use), and own a proportional piece of the company.

Does buying PNBS.JK protect my money against local inflation?

Many investors in Latin America buy international stocks like PNBS.JK to protect their purchasing power. Because PNBS.JK is priced in foreign currency, your investment is tied to a hard currency. If your local currency devalues against the foreign currency, usually USD or Euro, the underlying value of your stock portfolio remains protected from local inflation.

Do I need a foreign bank account or a Visa to buy PNBS.JK shares?

No. A common misconception is that you need a foreign bank account or a foreign visa to invest in international stocks. Today, modern investment platforms allow you to fund your account using local bank transfers or local payment methods right from your home country.

Is PNBS.JK a suitable investment for my portfolio?

There is no universal answer, since fit depends on your situation, not just the stock. Think about three things: how well PNBS.JK diversifies what you already own, whether you can stomach its price swings given your risk tolerance, and how long you plan to stay invested. As a rule, a single stock works best as one piece of a broader asset allocation and with a multi-year time horizon. This is general information, not personalized financial advice.

All stocksPNBS.JK

PT Bank Panin Dubai Syariah Tbk

Rp 42.00-Rp 1.00-2.33%

JKT / IDR

Market cap

Rp 1.63T

P/E

21.9

EPS (TTM)

Rp 0.00

Dividend yield

0.00%

Beta

0.13

1Y return

-19.23%

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Financials

The numbers behind the company

Revenue vs net income

RevenueNet income

$29M2021

$37M2022

$34M2023

$29M2024

$75M2025

Financial health

Gross margin

Operating margin

ROE

ROA

Debt to equity0.20Low
Current ratio32.88
Cash ratio32.88
Net margin6.4%
Free cash flow—

Valuation

Is it expensive right now

P/E vs the market

scale 0–50

0153050

PNBS.JK21.9
Financial Services sector median9.0
S&P 50022.0

Trades about 143% above its sector, the market expects faster growth.

Ratios

PEG0.16
Price to book0.54
EPS (TTM)Rp 0.00
Payout ratio0%
FCF yield1.76%

Range & risk

Rp 38.00Rp 64.00

Trading in the lower third of its 52-week band

Beta0.13

Profile

What PT Bank Panin Dubai Syariah Tbk actually does

PT Bank Panin Dubai Syariah Tbk operates as a sharia commercial bank for retail, commercial, and corporate customers in Indonesia. The company accepts demand, time, current, savings, certificate of deposits, and other forms of deposits. It also provides working capital, investment, and consumer finance; and multi-services, as well as transfer, and ATM services. It operates through a network of branch offices. The company was formerly known as PT Bank Panin Syariah Tbk and changed its name to PT Bank Panin Dubai Syariah Tbk in July 2016. PT Bank Panin Dubai Syariah Tbk was founded in 1972 and is headquartered in Jakarta, Indonesia. PT Bank Panin Dubai Syariah Tbk is a subsidiary of PT Bank Pan Indonesia Tbk.

CEO

Bratha

Employees

624

Headquarters

Jakarta, JK

Founded

2014-01-15

Company website

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Community sentiment

Bullish—

Distribution

Bearish0%
Neutral0%
Bullish0%

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Q&A

Questions people ask

PNBS.JK has a beta of 0.13, which indicates how sensitive it has historically been to movements in its broader market. A beta below 1 indicates lower relative volatility than the market. Beta is based on historical data and does not predict future performance.

PT Bank Panin Dubai Syariah Tbk