Bank Panin Syariah Tbk vs KB Financial: Fair Value & Quality
Both stocks run through our valuation models. Here is how Bank Panin Syariah Tbk (PNBS) and KB Financial (105560) compare, as of Aug 11, 2026.
As of Aug 11, 2026, Fair Value Calculator sees KB Financial as the more attractively valued of the two: Bank Panin Syariah Tbk trades at IDR 50 versus a fair value of IDR 7 (-87%), while KB Financial trades at KRW 171,700 versus KRW 213,797 (+25%).
Bank Panin Syariah Tbk
PNBS.JK · IDR · Financials
-87%
upside to fair value
overvalued
PriceIDR 50
Fair ValueIDR 7
Quality56/100
KB Financial
105560.KO · KRW · Financials
+25%
upside to fair value
undervalued
PriceKRW 171,700
Fair ValueKRW 213,797
Quality61/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
Bank Panin Syariah TbkKB Financial
Valuation
34.0×P/E (TTM)—
4.16×P/S (TTM)—
0.65×P/B—
12.9×EV/EBITDA12.3×
—PEG0.74×
—Dividend yield2.7%
—Dividend per shareKRW 4,598
Profitability
12%Net margin37%
32%Operating margin61%
2%Return on equity10%
0%Return on assets1%
Growth
47%Revenue growth (YoY)15%
29.0%Avg. growth/yr (3Y)8.4%
51.3%Avg. growth/yr (5Y)7.1%
Balance & size
0.05×Debt / equity2.21×
$194MMarket cap$46B
healthyGrowth qualityhealthy
KB Financial leads: 4 to 5 metric wins.
Dash = not meaningfully computable, for example with negative equity.
Quality in detail
The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.
Bank Panin Syariah Tbkof which business quality 53 · market factors 44KB Financialof which business quality 54 · market factors 73
ProfitabilityMargins and returns on capital today
12
37
Quality GrowthAre margins and returns improving?
43
60
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
75
80
Low VolatilityCalm price path (market factor)
81
64
MomentumPrice trend over the last 3–12 months (market factor)
36
72
52W MomentumDistance to the 52-week high (market factor)
17
84
Net IssuanceBuybacks instead of dilution
82
100
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
Bank Panin Syariah Tbk
MultiplesIDR 8
Asset-BasedIDR 51
Economic ProfitIDR 49
3 of 4 models see the stock below the current price.
KB Financial
Dividend DiscountKRW 68,945
MultiplesKRW 223,434
Asset-BasedKRW 111,541
Economic ProfitKRW 165,559
4 of 6 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
Bank Panin Syariah Tbk
Bear IDR 5Fair Value IDR 7Bull IDR 8
IDR 50 = current price (white tick)
KB Financial
Bear KRW 160,348Fair Value KRW 213,797Bull KRW 267,246
KRW 171,700 = current price (white tick)
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Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
Bank Panin Syariah Tbk · Financials
Quality score56 · above median
Fair value upside-87% · bottom 25%
KB Financial · Financials
Quality score61 · above median
Fair value upside+25% · above median
Bottom line
As of Aug 11, 2026, Fair Value Calculator sees KB Financial as the more attractively valued of the two: Bank Panin Syariah Tbk trades at IDR 50 versus a fair value of IDR 7 (-87%), while KB Financial trades at KRW 171,700 versus KRW 213,797 (+25%).
KB Financial has the higher quality score (61/100).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
