Philippine Savings Bank is a consumer banking company. Its services can be summed up as deposits, loans, treasury, and trust functions offered to the consumer and commercial market. The company structures its business into segments, such as Consumer Banking, Corporate Banking, Branch Banking, and Treasury. The consumer and corporate banking segments cater to the consumer and corporate customers respectively. The branch banking segment integrates the services provided by the consumer and corporate banking segments. Under the treasury banking segment, the company handles the money market and trading activities. It derives maximum revenue from Branch Banking.

Financial Strength

5/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	11.72
Equity-to-Asset	0.2
Debt-to-Equity	0.03
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-1.56	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

1/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	-3.2
	3-Year EPS without NRI Growth Rate	51.7
	3-Year Book Growth Rate	5.2

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	39.35
	9-Day RSI	42.64
	14-Day RSI	44.78
	6-1 Month Momentum %	8.04
	12-1 Month Momentum %	19.21

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	5.16
	Dividend Payout Ratio	0.24
	3-Year Dividend Growth Rate	0.9
	Forward Dividend Yield %	5.16
	5-Year Yield-on-Cost %	6.08
	Shareholder Yield %	10.39

Profitability Rank

4/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	34
	FCF Margin %	-252.75
	ROE %	12.52
	ROA %	2.25
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	4.8
	PE Ratio without NRI	4.7
	Shiller PE Ratio	6.4
	PEG Ratio	1.88
	PS Ratio	1.64
	PB Ratio	0.57
	Price-to-Tangible-Book	0.57
	EV-to-Revenue	0.78
	EV-to-FCF	-0.33
	Price-to-Median-PS-Value	0.99
	Price-to-Graham-Number	0.35
	FCF Yield %	-154.8
	Forward Rate of Return (Yacktman) %	4.17

Financials

Annual Quarterly TTM

PHS:PSB's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Philippine Savings Bank Executives

Details

GF Value: ₱56.76

PHS:PSB

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 2 Severe warning signs with PSB. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil ₱)	15,189.436
	EPS (TTM) (₱)	12.1
	Beta	0.1
	Volatility %	10.32
	14-Day RSI	44.78
	14-Day ATR (₱)	1.388721
	20-Day SMA (₱)	59.69
	12-1 Month Momentum %	19.21
	52-Week Range (₱)	51.1 - 61.7
	Shares Outstanding (Mil)	426.86

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	6
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Philippine Savings Bank Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Philippine Savings Bank Stock Events

Financials Calendars

	Event	Date	Price(₱)
No Event Data

Philippine Savings Bank Frequently Asked Questions

What is Philippine Savings Bank(PHS:PSB)'s stock price today?

The current price of PHS:PSB is ₱58.10. The 52 week high of PHS:PSB is ₱61.70 and 52 week low is ₱51.10.

When is next earnings date of Philippine Savings Bank(PHS:PSB)?

The next earnings date of Philippine Savings Bank(PHS:PSB) is .

Does Philippine Savings Bank(PHS:PSB) pay dividends? If so, how much?

The Dividend Yield % of Philippine Savings Bank(PHS:PSB) is 5.16% (As of Today), Highest Dividend Payout Ratio of Philippine Savings Bank(PHS:PSB) was 0.92. The lowest was 0.24. And the median was 0.31. The Forward Dividend Yield % of Philippine Savings Bank(PHS:PSB) is 5.16%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

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