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Philippine National Bank (PSE:PNB)
Philippines flag Philippines · Delayed Price · Currency is PHP
78.00
0.00 (0.00%)
Last updated: Sep 23, 2026, 2:40 PM PST

Philippine National Bank Financials Overview

Millions PHP. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
67,72463,26056,10751,43744,88166,271
Revenue Growth
11.17%12.75%9.08%14.61%-32.28%133.14%
Net Income
27,34725,25521,05317,97911,53231,631
Earnings Per Share
17.9216.5513.8011.787.5620.73
EPS Growth
17.46%19.96%17.09%55.90%-63.54%1109.75%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Corporate Banking
13,89613,82411,34512,67617,0395,693
Adjustments and Eliminations
961.81401.66286.57-308.66-644.5374.32
Others
1,5981,6661,6031,6442,56735,806
Retail Banking
29,75830,72834,17633,13525,67218,208
Treasury
23,63818,7039,9445,5571,6775,087
Total
69,85265,32357,35552,70446,31065,169

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
160,913203,488192,585170,600149,882191,921
Total Debt
42,40040,82838,22857,23271,094104,039
Net Cash (Debt)
118,514162,660154,356113,36878,78787,882
Net Cash Growth
-9.34%5.38%36.16%43.89%-10.35%-7.78%
Net Cash Per Share
77.68106.61101.1774.3051.6457.60

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-38,131-91,792-7,248-15,33829,99613,071
Capital Expenditures
-1,291-750.18-445.45-419.86-547.08-1,121
Free Cash Flow
-39,422-92,542-7,693-15,75829,44911,950
Free Cash Flow Growth
----146.44%-61.76%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
40.38%39.92%37.52%34.95%25.70%47.73%
FCF Margin
-58.21%-146.29%-13.71%-30.64%65.62%18.03%

Dividends
Chart
Fiscal YearCurrentFY 2025
Period EndingSep '26 Dec '25
Dividend Per Share
3.3003.300
Dividend Per Share Growth
59.42%-
Dividend Yield
4.23%6.50%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
4.353.292.011.572.510.97
Forward PE
5.113.432.562.612.652.49
P/FCF Ratio
----0.982.57
PS Ratio
1.761.310.750.550.650.46