PFIS Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu

Harga

$58.20

Kapitalisasi Pasar

$487M

P/E (TTM)

8.3

EPS (TTM)

$5.88

Pendapatan (TTM)

—

Imbal Hasil Dividen

5.1%

ROE

11.7%

D/E Utang/Ekuitas

0.1

Rentang 52M

$44 – $60

PFIS Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda

Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS

Pendapatan & Laba Bersih —

EPS $5.88

2016-12-31 → 2025-12-31

Arus Kas Bebas $43M

2016-12-31 → 2025-12-31

Margin 31.5%

Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?

Metrik

Tren 5 Tahun

PFIS

Median Rekan

P/E (TTM)

8.3

11.8

P/S (TTM)

2.6

2.5

P/B

0.9

1.0

Price / FCF (Harga / FCF)

11.2

—

Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC

Metrik

Tren 5 Tahun

PFIS

Median Rekan

Net Profit Margin (Margin Laba Bersih)

31.5%

27.9%

ROA

1.1%

0.89%

ROE

11.7%

8.4%

Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca

Metrik

Tren 5 Tahun

PFIS

Median Rekan

Debt / Equity (Utang / Ekuitas)

0.1

12.4

Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T

Metrik

Tren 5 Tahun

PFIS

Median Rekan

Revenue YoY (Pendapatan YoY)

39.7%

—

Revenue CAGR 3Y (CAGR Pendapatan 3T)

20.4%

—

Revenue CAGR 5Y (CAGR Pendapatan 5T)

14.2%

—

EPS YoY

493.9%

—

Net Income YoY (Laba Bersih YoY)

596.5%

—

Metrik Per Saham EPS, nilai buku per saham, arus kas per saham, dividen per saham

Metrik

Tren 5 Tahun

PFIS

Median Rekan

EPS (Diluted)

$5.88

—

Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang

Metrik

Tren 5 Tahun

PFIS

Median Rekan

Payout Ratio (Rasio Pembayaran Dividen)

41.6%

—

Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun

Imbal Hasil Dividen

5.1%

Rasio Pembayaran Dividen

41.6%

CAGR Dividen 5T

—

Tanggal ex-dividen	Jumlah
27 Feb. 2026	$0,6250
28 Nov. 2025	$0,6180
29 Agu 2025	$0,6180
30 Mei 2025	$0,6180
28 Feb. 2025	$0,6180
29 Nov. 2024	$0,6180
30 Agu 2024	$0,6180
31 Mei 2024	$0,4100
28 Feb. 2024	$0,4100
29 Nov. 2023	$0,4100
30 Agu 2023	$0,4100
30 Mei 2023	$0,4100
27 Feb. 2023	$0,4100
29 Nov. 2022	$0,4000
30 Agu 2022	$0,4000
27 Mei 2022	$0,3900
25 Feb. 2022	$0,3900
29 Nov. 2021	$0,3800
30 Agu 2021	$0,3800
27 Mei 2021	$0,3700

PFIS Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan

JUAL 7 analis

Beli Kuat 0 0,0%
Beli 0 0,0%
Tahan 4 57,1%
Jual 1 14,3%
Jual Kuat 2 28,6%

Target Harga 12 Bulan

2 analis · 2026-05-16

Median $62.00

← Di bawah semua target $58.20

Rendah $61.00

Tinggi $63.00

Target median $62.00 +6,5%

Target rata-rata $62.00 +6,5%

Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya

Kejutan Rata-rata

-0.01%

Periode	EPS Aktual	EPS Estimasi	Kejutan
31 Maret 2026	$1.43	$1.55	-0.12%
31 Des. 2025	$1.36	$1.55	-0.19%
30 Sep. 2025	$1.51	$1.57	-0.06%
30 Juni 2025	$1.69	$1.51	0.18%
31 Maret 2025	$1.51	$1.35	0.16%

Perbandingan Sejawat Metrik utama vs rekan sektor

Ticker	Kapitalisasi Pasar	P/E	Pendapatan YoY	Margin Bersih	ROE	Margin Kotor
PFIS	$487M	8.3	39.7%	31.5%	11.7%	—
NPB	$579M	8.0	29.2%	34.5%	14.2%	—
CARE	$434M	14.2	4.7%	154.4%	7.6%	—
NFBK	—	571.5	6.8%	—	—	—
RRBI	$470M	11.2	14.4%	34.1%	12.2%	—
MSBI	—	—	—	—	—	—
ACNB	$501M	13.4	45.1%	19.3%	9.1%	—
NRIM	$588M	9.3	30.4%	25.3%	20.9%	81.7%
FFIC	—	28.1	7.3%	—	—	—

Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas

Laporan Laba Rugi 9

Data Laporan Laba Rugi Tahunan untuk PFIS
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Interest Expense	·	·	$63M	$16M	$9M	$14M	$18M	$13M	$9M	$7M	$6M	$7M
Interest Income	$260M	$211M	$150M	$111M	$94M	$94M	$93M	$85M	$74M	$69M	$63M	$64M
Pretax Income	$72M	$8M	$33M	$45M	$54M	$34M	$29M	$28M	$27M	$25M	$22M	$23M
Income Tax	$13M	$-30.0K	$5M	$7M	$10M	$5M	$3M	$3M	$8M	$5M	$5M	$5M
Net Income	$59M	$8M	$27M	$38M	$44M	$29M	$26M	$25M	$18M	$20M	$18M	$18M
EPS (Basic)	$5.92	$1.00	$3.85	$5.31	$6.05	$4.02	$3.48	$3.37	$2.50	$2.65	$2.36	$2.34
EPS (Diluted)	$5.88	$0.99	$3.83	$5.28	$6.02	$4.00	$3.47	$3.37	$2.50	$2.65	$2.36	$2.34
Shares (Diluted)	10,073,996	8,586,035	7,151,471	7,211,643	7,235,303	7,337,843	7,412,369	7,402,900	7,395,837	7,396,716	7,516,451	7,561,982
EBITDA	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$2M	$2M	$2M	$2M	$2M

Neraca 18

Data Neraca Tahunan untuk PFIS
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Cash & Equivalents	·	·	·	·	·	·	·	·	$37M	$40M	$33M	$31M
PP&E (Net)	$78M	$73M	$61M	$56M	$52M	$47M	$48M	$39M	$38M	$33M	$28M	$25M
PP&E (Gross)	$126M	$126M	$100M	$92M	$85M	$78M	$77M	$65M	$62M	$55M	$49M	$45M
Accum. Depreciation	$48M	$53M	$39M	$36M	$34M	$31M	$29M	$26M	$24M	$22M	$20M	$19M
Goodwill	$76M	$76M	$63M	$63M	$63M	$63M	$63M	$63M	$63M	$63M	$63M	$63M
Intangibles	$28M	$34M	·	$105.0K	$468.0K	$960.0K	$2M	$2M	·	·	·	·
Other Non-current Assets	$4M	$5M	$2M	$3M	$6M	$6M	$7M	$8M	$9M	$10M	$14M	$14M
Total Assets	$5.27B	$5.09B	$3.74B	$3.55B	$3.37B	$2.88B	$2.48B	$2.29B	$2.17B	$2.00B	$1.82B	$1.74B
Short-term Debt	$33M	$16M	$18M	$115M	$0	$50M	$152M	$86M	$124M	$83M	$38M	$20M
Total Liabilities	$4.75B	$4.62B	$3.40B	$3.24B	$3.03B	$2.57B	$2.18B	$2.01B	$1.90B	$1.74B	$1.57B	$1.49B
Long-term Debt	·	·	·	·	·	·	$33M	$38M	$50M	$58M	$60M	$33M
Total Debt	$33M	$16M	$18M	$115M	·	$50M	$152M	$86M	$124M	$83M	$38M	$20M
Common Stock	$20M	$20M	$14M	$14M	$14M	$14M	$15M	$15M	$15M	$15M	$15M	$15M
Retained Earnings	$274M	$239M	$249M	$231M	$204M	$171M	$152M	$137M	$121M	$111M	$101M	$92M
AOCI	$-25M	$-41M	$-44M	$-56M	$-6M	$2M	$-3M	$-8M	$-6M	$-4M	$-2M	$-829.0K
Stockholders' Equity	$520M	$469M	$340M	$315M	$340M	$317M	$299M	$279M	$265M	$257M	$249M	$247M
Liabilities + Equity	$5.27B	$5.09B	$3.74B	$3.55B	$3.37B	$2.88B	$2.48B	$2.29B	$2.17B	$2.00B	$1.82B	$1.74B
Shares Outstanding	9,994,595	9,990,724	7,040,852	7,158,017	7,169,372	7,215,202	7,388,480	7,399,054	7,396,505	7,394,143	7,410,606	7,548,358

Arus Kas 18

Data Arus Kas Tahunan untuk PFIS
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
D&A	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$2M	$2M	$2M	$2M	$2M
Stock-based Comp	$348.0K	$786.0K	$888.0K	$534.0K	$546.0K	$570.0K	$554.0K	$272.0K	$177.0K	$71.0K	$69.0K	$70.0K
Deferred Tax	$5M	$-4M	$1M	$611.0K	$450.0K	$-2M	$394.0K	$-681.0K	$2M	$-1M	$-841.0K	$1M
Amort. of Intangibles	$6M	$3M	$105.0K	$363.0K	$491.0K	$606.0K	$730.0K	$881.0K	$1M	$1M	$1M	$1M
Other Non-cash	$-13M	$25M	$922.0K	$34.0K	$-6M	$6M	$7M	$6M	$6M	$8M	$10M	$26.0K
Operating Cash Flow	$54M	$35M	$33M	$42M	$41M	$37M	$37M	$33M	$29M	$28M	$29M	$24M
CapEx	$11M	$3M	$6M	$8M	$5M	$2M	$6M	$4M	$6M	$7M	$4M	$1M
Investing Cash Flow	$-24M	$386M	$-26M	$-468M	$-440M	$-201M	$-185M	$-135M	$-185M	$-186M	$-89M	·
Debt Issued	$76M	·	$25M	·	·	·	$16M	·	·	·	$30M	·
Net Debt Issued	$35M	$-23M	$24M	$-2M	$-12M	$-18M	$-5M	$-12M	$-8M	$-2M	$27M	$-4M
Stock Repurchased	·	·	·	·	·	·	·	·	·	·	·	$70.0K
Net Stock Activity	·	·	·	·	·	·	·	·	·	·	·	$-70.0K
Dividends Paid	$25M	$18M	$12M	$11M	$11M	$11M	$10M	$10M	$9M	$9M	$9M	$9M
Financing Cash Flow	$103M	$-473M	$142M	$183M	$451M	$361M	$146M	$97M	$154M	$165M	$62M	·
Net Change in Cash	$133M	$-52M	$149M	$-242M	$52M	$197M	$-1M	$-5M	$-2M	$7M	$1M	$-20M
Taxes Paid	$8M	$2M	$3M	$10M	$7M	$6M	$5M	$3M	$6M	$6M	$4M	$5M
Free Cash Flow	$43M	$31M	$27M	$35M	$36M	$35M	$31M	$29M	$22M	$21M	$24M	$19M
Levered FCF	·	·	$-26M	$21M	$28M	$23M	$16M	$17M	$16M	$16M	$19M	$14M

Profitabilitas 5

Data Profitabilitas Tahunan untuk PFIS
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Net Margin	31.5%	6.3%	27.1%	35.4%	39.5%	30.4%	28.4%	29.3%	22.3%	25.2%	24.4%	24.3%
Pretax Margin	38.5%	6.3%	32.2%	42.2%	48.5%	35.4%	31.9%	33.3%	32.2%	31.7%	30.6%	31.8%
EBITDA Margin	1.8%	2.5%	2.8%	2.9%	2.5%	3.0%	3.4%	2.7%	2.4%	2.1%	2.2%	2.3%
ROA	1.1%	0.19%	0.75%	1.1%	1.4%	1.1%	1.1%	1.1%	0.89%	1.0%	1.0%	1.0%
ROE	11.7%	1.8%	8.2%	12.3%	13.0%	9.3%	8.6%	9.0%	7.0%	7.6%	7.1%	7.2%

Likuiditas & Solvabilitas 1

Data Likuiditas & Solvabilitas Tahunan untuk PFIS
Metrik	Tren	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Debt / Equity		0.1	0.0	0.1	0.4	·	0.2	0.5	0.3	0.5	0.3	0.2	0.1

Efisiensi 1

Data Efisiensi Tahunan untuk PFIS
Metrik	Tren	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Asset Turnover		0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0

Per Saham 6

Data Per Saham Tahunan untuk PFIS
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Book Value / Share	$52.01	$46.94	$48.35	$44.06	$47.44	$43.92	$40.47	$37.66	$35.82	$34.71	$33.57	·
Revenue / Share	$18.63	$15.64	$14.11	$14.92	$15.24	$13.14	$12.26	$11.49	$11.19	$10.49	$9.68	$9.60
Cash Flow / Share	$5.39	$3.95	$4.65	$5.87	$5.63	$5.07	$5.01	$4.41	$3.87	$3.79	$3.76	$2.72
Cash / Share	·	·	·	·	·	·	·	·	$5.07	$5.40	$4.44	·
Dividend / Share	$2	$2	$2	$2	$2	$1	$1	$1	$1	$1	$1	$1
EPS (TTM)	$5.88	$0.99	$3.83	$5.28	$6.02	$4.00	$3.47	$3.37	$2.50	$2.65	$2.36	$2.34

Tingkat Pertumbuhan 10

Data Tingkat Pertumbuhan Tahunan untuk PFIS
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue YoY	39.7%	33.1%	-6.2%	-2.4%	14.3%	·	·	·	·	·	·	·
Revenue CAGR 3Y	20.4%	6.8%	1.5%	·	·	·	·	·	·	·	·	·
Revenue CAGR 5Y	14.2%	·	·	·	·	·	·	·	·	·	·	·
EPS YoY	493.9%	-74.2%	-27.5%	-12.3%	50.5%	·	·	·	·	·	·	·
EPS CAGR 3Y	3.6%	-45.2%	-1.4%	·	·	·	·	·	·	·	·	·
EPS CAGR 5Y	8.0%	·	·	·	·	·	·	·	·	·	·	·
Net Income YoY	596.5%	-69.0%	-28.1%	-12.5%	48.3%	·	·	·	·	·	·	·
Net Income CAGR 3Y	15.8%	-42.0%	-2.3%	·	·	·	·	·	·	·	·	·
Net Income CAGR 5Y	15.1%	·	·	·	·	·	·	·	·	·	·	·
Dividend CAGR 5Y	18.6%	·	·	·	·	·	·	·	·	·	·	·

Valuasi (TTM) 17

Data Valuasi (TTM) Tahunan untuk PFIS
Metrik	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014
Revenue TTM	$188M	$134M	$101M	$108M	$110M	$96M	$91M	$85M	$83M	$78M	$73M	$73M
Net Income TTM	$59M	$8M	$27M	$38M	$44M	$29M	$26M	$25M	$18M	$20M	$18M	$18M
Market Cap	$487M	$511M	$343M	$371M	$378M	$265M	$372M	$326M	$345M	$360M	$282M	·
Enterprise Value	·	·	·	·	·	·	·	·	$431M	$403M	$288M	·
P/E	8.3	51.7	12.7	9.8	8.8	9.2	14.5	13.1	18.6	18.4	16.1	21.2
P/S	2.6	3.8	3.4	3.4	3.4	2.8	4.1	3.8	4.2	4.6	3.9	·
P/B	0.9	1.1	1.0	1.2	1.1	0.8	1.2	1.2	1.3	1.4	1.1	·
P / Tangible Book	1.2	1.4	1.2	1.5	1.4	1.1	·	·	·	·	·	·
P / Cash Flow	9.0	15.1	10.3	8.8	9.3	7.1	10.0	10.0	12.0	12.8	10.0	·
P / FCF	11.2	16.3	12.5	10.7	10.5	7.6	11.8	11.4	15.4	16.9	11.9	·
EV / EBITDA	·	·	·	·	·	·	·	·	220.9	242.5	180.3	·
EV / FCF	·	·	·	·	·	·	·	·	19.3	18.9	12.1	·
EV / Revenue	·	·	·	·	·	·	·	·	5.2	5.2	4.0	·
Dividend Yield	5.1%	3.5%	3.4%	3.0%	2.9%	4.0%	2.7%	3.0%	2.7%	2.5%	3.3%	·
Earnings Yield	12.1%	1.9%	7.9%	10.2%	11.4%	10.9%	6.9%	7.6%	5.4%	5.4%	6.2%	4.7%
Payout Ratio	41.6%	212.9%	42.6%	29.7%	24.8%	35.8%	39.4%	38.9%	50.5%	46.8%	52.6%	53.0%
Annual Payout	$25M	$18M	$12M	$11M	$11M	$11M	$10M	$10M	$9M	$9M	$9M	$9M

Laporan Laba Rugi 9

Data Triwulanan Laporan Laba Rugi untuk PFIS
Metrik	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Interest Expense	·	·	·	·	·	·	·	·	$20M	·	$17M	$15M	$11M	·	$4M	$2M
Interest Income	$65M	$67M	$65M	$65M	$62M	$66M	$68M	$38M	$39M	$40M	$39M	$37M	$34M	$32M	$29M	$26M
Pretax Income	$19M	$15M	$19M	$20M	$18M	$6M	$-5M	$4M	$4M	$4M	$8M	$11M	$9M	$11M	$12M	$11M
Income Tax	$4M	$3M	$4M	$3M	$3M	$-272.0K	$-657.0K	$421.0K	$478.0K	$587.0K	$1M	$2M	$1M	$2M	$2M	$2M
Net Income	$15M	$12M	$15M	$17M	$15M	$6M	$-4M	$3M	$3M	$4M	$7M	$9M	$8M	$9M	$10M	$9M
EPS (Basic)	$1.47	$1.19	$1.53	$1.70	$1.50	$0.47	$-0.43	$0.47	$0.49	$0.52	$0.95	$1.32	$1.06	$1.28	$1.39	$1.30
EPS (Diluted)	$1.47	$1.20	$1.51	$1.68	$1.49	$0.47	$-0.43	$0.46	$0.49	$0.52	$0.95	$1.31	$1.05	$1.27	$1.38	$1.30
Shares (Diluted)	10,029,213	-20,138,365	10,086,915	10,082,260	10,043,186	-15,674,641	10,044,449	7,114,115	7,102,112	-14,346,099	7,120,685	7,177,915	7,198,970	-14,433,290	7,213,147	7,215,365
EBITDA	$916.0K	·	·	·	$798.0K	·	·	·	$749.0K	·	·	·	$703.0K	·	·	·

Neraca 16

Data Triwulanan Neraca untuk PFIS
Metrik	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
PP&E (Net)	$79M	$78M	$77M	$77M	$72M	$73M	$76M	$59M	$59M	·	$62M	$58M	$57M	·	$54M	$53M
PP&E (Gross)	·	$126M	·	·	·	$126M	·	·	·	·	·	·	·	·	·	·
Accum. Depreciation	·	$48M	·	·	·	$53M	·	·	·	·	·	·	·	·	·	·
Goodwill	$76M	$76M	$76M	$76M	$76M	$76M	$77M	$63M	$63M	·	$63M	$63M	$63M	·	$63M	$63M
Intangibles	$26M	$28M	$29M	$31M	$32M	$34M	$36M	·	·	·	$19.0K	$48.0K	$77.0K	·	·	·
Other Non-current Assets	$9M	$4M	$5M	$6M	$6M	$5M	$12M	$3M	$2M	·	$3M	$3M	$11M	·	$8M	$8M
Total Assets	$5.42B	$5.27B	$5.16B	$5.11B	$5.00B	$5.09B	$5.36B	$3.62B	$3.67B	·	$3.83B	$3.68B	$3.68B	·	$3.52B	$3.42B
Short-term Debt	$179M	$33M	$76M	$76M	$15M	$16M	$37M	$104M	$20M	$18M	$27M	$20M	$17M	$115M	$15M	$129M
Total Liabilities	$4.90B	$4.75B	$4.65B	$4.61B	$4.52B	$4.62B	$4.89B	$3.28B	$3.33B	·	$3.50B	$3.35B	$3.35B	·	$3.21B	$3.11B
Total Debt	$179M	·	$76M	$76M	$15M	·	$37M	$104M	$20M	·	$27M	$20M	$17M	·	$15M	$129M
Common Stock	$20M	$20M	$20M	$20M	$20M	$20M	$20M	$14M	$14M	·	$14M	$14M	$14M	·	$14M	$14M
Retained Earnings	$282M	$274M	$268M	$259M	$248M	$239M	$239M	$250M	$249M	·	$248M	$244M	$238M	·	$224M	$217M
AOCI	$-28M	$-25M	$-29M	$-35M	$-36M	$-41M	$-35M	$-45M	$-45M	·	$-59M	$-52M	$-49M	·	$-64M	$-47M
Stockholders' Equity	$526M	$520M	$509M	$494M	$482M	$469M	$475M	$341M	$340M	$340M	$324M	$332M	$329M	$315M	$302M	$312M
Liabilities + Equity	$5.42B	$5.27B	$5.16B	$5.11B	$5.00B	$5.09B	$5.36B	$3.62B	$3.67B	·	$3.83B	$3.68B	$3.68B	·	$3.52B	$3.42B
Shares Outstanding	10,010,488	9,994,595	9,994,595	9,994,696	9,995,483	9,990,724	9,994,648	7,057,258	7,057,258	·	7,040,852	7,130,409	7,150,757	·	7,162,750	7,179,037

Arus Kas 16

Data Triwulanan Arus Kas untuk PFIS
Metrik	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
D&A	$916.0K	$884.0K	$823.0K	$812.0K	$798.0K	$975.0K	$896.0K	$726.0K	$749.0K	$743.0K	$650.0K	$698.0K	$703.0K	$1M	$1M	$331.0K
Stock-based Comp	$444.0K	$288.0K	$267.0K	$-19.0K	$-188.0K	$119.0K	$319.0K	$287.0K	$61.0K	$260.0K	$259.0K	$160.0K	$209.0K	$223.0K	$223.0K	$116.0K
Deferred Tax	$1M	$2M	$0	$572.0K	$2M	$-1M	$-2M	$-257.0K	$-174.0K	$285.0K	$376.0K	$424.0K	$183.0K	·	·	·
Amort. of Intangibles	$2M	$2M	$2M	$2M	$2M	$2M	$2M	$0	$0	$19.0K	$29.0K	$28.0K	$29.0K	$74.0K	$96.0K	$97.0K
Other Non-cash	$-9M	·	·	·	$-8M	·	·	·	$-876.0K	·	·	·	$-4M	·	·	·
Operating Cash Flow	$8M	$16M	$15M	$14M	$9M	$8M	$22M	$2M	$3M	$9M	$7M	$13M	$5M	$12M	$11M	$10M
CapEx	$2M	$3M	$2M	$5M	$499.0K	$-2M	$4M	$398.0K	$216.0K	$228.0K	$1M	$2M	$3M	$2M	$3M	$2M
Investing Cash Flow	$-80M	$-19M	$-40M	$-6M	$41M	$114M	$282M	$-4M	$-5M	$22M	$-25M	$-9M	$-14M	$-106M	$-41M	$-175M
Debt Issued	$20M	$27M	$34M	·	·	·	·	·	·	$0	$0	$0	$25M	·	·	·
Net Debt Issued	$367.0K	·	·	·	$-10M	·	·	·	·	·	·	·	$24M	·	·	·
Dividends Paid	$6M	$6M	$6M	$6M	$6M	$6M	$6M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M	$3M
Financing Cash Flow	$132M	$92M	$29M	$91M	$-108M	$-271M	$-68M	$-58M	$-75M	$-98M	$136M	$-8M	$112M	$19M	$95M	$72M
Net Change in Cash	$60M	$89M	$4M	$99M	$-59M	$-150M	$236M	$-60M	$-77M	$-67M	$118M	$-4M	$103M	$-75M	$65M	$-94M
Taxes Paid	$19.0K	$1M	$3M	$4M	$22.0K	$700.0K	$650.0K	$480.0K	$24.0K	$390.0K	$1M	$2M	$47.0K	$3M	$2M	$5M
Free Cash Flow	$6M	·	·	·	$9M	·	·	·	$3M	·	·	·	$2M	·	·	·
Levered FCF	·	·	·	·	·	·	·	·	$-14M	·	·	·	$-7M	·	·	·

Profitabilitas 5

Data Triwulanan Profitabilitas untuk PFIS
Metrik	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Net Margin	29.6%	·	32.7%	35.0%	32.8%	·	-9.7%	14.6%	15.3%	·	27.0%	36.8%	28.4%	·	35.2%	33.9%
Pretax Margin	37.2%	·	40.4%	42.1%	39.9%	·	-11.1%	16.5%	17.4%	·	32.4%	43.8%	33.6%	·	42.1%	40.4%
EBITDA Margin	1.8%	·	·	·	1.7%	·	·	·	3.3%	·	·	·	2.6%	·	·	·
ROA	0.28%	·	0.29%	0.39%	0.35%	·	-0.09%	0.09%	0.09%	·	0.18%	0.27%	0.22%	·	0.30%	0.29%
ROE	2.9%	·	3.1%	4.1%	3.6%	·	-1.1%	0.98%	1.0%	·	2.1%	2.9%	2.3%	·	3.2%	2.9%

Likuiditas & Solvabilitas 1

Data Triwulanan Likuiditas & Solvabilitas untuk PFIS
Metrik	Tren	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Debt / Equity		0.3	·	0.1	0.2	0.0	·	0.1	0.3	0.1	·	0.1	0.1	0.1	·	0.0	0.4

Efisiensi 1

Data Triwulanan Efisiensi untuk PFIS
Metrik	Tren	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Asset Turnover		0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0	0.0	·	0.0	0.0

Per Saham 5

Data Triwulanan Per Saham untuk PFIS
Metrik	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Book Value / Share	$52.50	·	$50.95	$49.44	$48.21	·	$47.53	$48.29	$48.18	·	$46.07	$46.53	$45.96	·	$42.14	$43.45
Revenue / Share	$4.96	·	$4.63	$4.80	$4.56	·	$4.48	$3.16	$3.20	·	$3.51	$3.57	$3.71	·	$3.93	$3.82
Cash Flow / Share	$0.83	·	·	·	$0.90	·	·	·	$0.45	·	·	·	$0.63	·	·	·
Dividend / Share	$1	$1	$1	$1	$1	$1	$1	$0	$0	$0	$0	$0	$0	$0	$0	$0
EPS (TTM)	$6.15	·	$4.25	$3.20	$2.01	·	$1.47	$3.21	$3.80	·	$4.69	$5.04	$5.06	·	$5.27	$5.07

Valuasi (TTM) 11

Data Triwulanan Valuasi (TTM) untuk PFIS
Metrik	Q1 2026	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022
Revenue TTM	$191M	·	$186M	$162M	$136M	·	$115M	$96M	$100M	·	$106M	$108M	$109M	·	$107M	$103M
Net Income TTM	$62M	·	$43M	$31M	$17M	·	$9M	$23M	$27M	·	$34M	$36M	$37M	·	$38M	$37M
Market Cap	$534M	·	$486M	$493M	$444M	·	$469M	$321M	$304M	·	$282M	$312M	$310M	·	$336M	$401M
P/E	8.7	·	11.4	15.4	22.1	·	31.9	14.2	11.3	·	8.6	8.7	8.6	·	8.9	11.0
P/S	2.8	·	2.6	3.1	3.3	·	4.1	3.4	3.0	·	2.7	2.9	2.9	·	3.1	3.9
P/B	1.0	·	1.0	1.0	0.9	·	1.0	0.9	0.9	·	0.9	0.9	0.9	·	1.1	1.3
P / Tangible Book	1.3	·	1.2	1.3	1.2	·	1.3	1.2	1.1	·	1.1	1.2	1.2	·	1.4	1.6
P / Cash Flow	64.4	·	·	·	49.0	·	·	·	94.3	·	·	·	68.1	·	·	·
P / FCF	82.3	·	·	·	51.9	·	·	·	101.1	·	·	·	151.7	·	·	·
Earnings Yield	11.5%	·	8.7%	6.5%	4.5%	·	3.1%	7.0%	8.8%	·	11.7%	11.5%	11.7%	·	11.2%	9.1%
Payout Ratio	42.4%	·	·	·	41.0%	·	·	·	83.5%	·	·	·	38.7%	·	·	·

Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir

Laporan Laba Rugi

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Laba Bersih	$59M	$8M	$27M	$38M	$44M
EPS Dilusian	$5.88	$0.99	$3.83	$5.28	$6.02

Neraca

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Utang / Ekuitas	0.1	0.0	0.1	0.4	—

Arus Kas

	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31
Arus Kas Bebas	$43M	$31M	$27M	$35M	$36M

Sinyal Perdagangan Sinyal beli/jual terbaru dengan harga masuk dan rasio risiko/imbalan

BOUNCE_UP @ $50.58 RR 1,50 Sep 25

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Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca

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PFIS Konsensus Analis Opini analis bullish dan bearish, target harga 12 bulan, potensi kenaikan

Target Harga 12 Bulan

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