Philippine National Bank (PSE:PNB)
Philippines · Delayed Price · Currency is PHP 80.00
+2.65 (3.43%)
At close: Oct 27, 2026
Philippine National Bank Financials Overview
Financials in millions PHP. Fiscal year is January - December.
Millions PHP. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 69,395 | 63,260 | 56,107 | 51,437 | 44,881 | 66,271 |
Revenue Growth | 10.20% | 12.75% | 9.08% | 14.61% | -32.28% | 133.14% |
Net Income Net Income Growth | 28,010 | 25,255 | 21,053 | 17,979 | 11,532 | 31,631 |
Earnings Per Share EPS Growth | 18.36 | 16.55 | 13.80 | 11.78 | 7.56 | 20.73 |
EPS Growth | 14.25% | 19.96% | 17.09% | 55.90% | -63.54% | 1109.75% |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Corporate Banking Corporate Banking Growth | 13,896 | 13,824 | 11,345 | 12,676 | 17,039 | 5,693 |
Adjustments and Eliminations Adjustments and Eliminations Growth | 961.81 | 401.66 | 286.57 | -308.66 | -644.5 | 374.32 |
Others Others Growth | 1,598 | 1,666 | 1,603 | 1,644 | 2,567 | 35,806 |
Retail Banking Retail Banking Growth | 29,758 | 30,728 | 34,176 | 33,135 | 25,672 | 18,208 |
Treasury Treasury Growth | 23,638 | 18,703 | 9,944 | 5,557 | 1,677 | 5,087 |
Total Total Growth | 69,852 | 65,323 | 57,355 | 52,704 | 46,310 | 65,169 |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 465,179 | 203,488 | 192,585 | 170,600 | 149,882 | 191,921 |
Total Debt Total Debt Growth | 43,855 | 40,828 | 38,228 | 57,232 | 71,094 | 104,039 |
Net Cash (Debt) Net Cash Growth | 421,324 | 162,660 | 154,356 | 113,368 | 78,787 | 87,882 |
Net Cash Growth | 312.00% | 5.38% | 36.16% | 43.89% | -10.35% | -7.78% |
Net Cash Per Share Net Cash Per Share Growth | 276.14 | 106.61 | 101.17 | 74.30 | 51.64 | 57.60 |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | - | -91,792 | -7,248 | -15,338 | 29,996 | 13,071 |
Capital Expenditures CapEx Growth | - | -750.18 | -445.45 | -419.86 | -547.08 | -1,121 |
Free Cash Flow Free Cash Flow Growth | - | -92,542 | -7,693 | -15,758 | 29,449 | 11,950 |
Free Cash Flow Growth | - | - | - | - | 146.44% | -61.76% |
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Profit Margin | 40.36% | 39.92% | 37.52% | 34.95% | 25.70% | 47.73% |
FCF Margin | - | -146.29% | -13.71% | -30.64% | 65.62% | 18.03% |
Fiscal Year | Current | FY 2025 |
|---|---|---|
| Period Ending | Oct '26 Oct 28, 2026 | Dec '25 Dec 31, 2025 |
Dividend Per Share Dividend Per Share Growth | 3.300 | 3.300 |
Dividend Per Share Growth | 59.42% | - |
Dividend Yield | 4.13% | 6.07% |
Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Oct '26 Oct 28, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 4.36 | 3.29 | 2.01 | 1.57 | 2.51 | 0.97 |
Forward PE | 4.90 | 3.43 | 2.56 | 2.61 | 2.65 | 2.49 |
P/FCF Ratio | - | - | - | - | 0.98 | 2.57 |
PS Ratio | 1.76 | 1.31 | 0.75 | 0.55 | 0.65 | 0.46 |