Philippine National Bank Ratios and Metrics

Market cap in millions PHP. Fiscal year is January - December.

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 16, 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
Market Capitalization	84,070	83,002	42,264	28,227	28,990	30,668
Market Cap Growth	89.35%	96.39%	49.73%	-2.63%	-5.47%	-31.52%
Last Close Price	55.10	52.86	25.43	16.98	17.44	18.45
PE Ratio	3.33	3.29	2.01	1.57	2.51	0.97
PS Ratio	1.33	1.31	0.75	0.55	0.65	0.46
PB Ratio	0.35	0.35	0.20	0.15	0.17	0.19
P/FCF Ratio	-	-	-	-	0.98	2.57
P/OCF Ratio	-	-	-	-	0.97	2.35
Debt / Equity Ratio	0.17	0.17	0.18	0.30	0.42	0.65
Debt / FCF Ratio	-	-	-	-	2.41	8.71
Net Debt / Equity Ratio	-0.68	-0.68	-0.71	-0.59	-0.46	-0.55
Net Debt / FCF Ratio	1.76	1.76	20.06	7.20	-2.67	-7.35
Return on Equity (ROE)	11.09%	11.09%	10.39%	9.95%	7.00%	20.44%
Return on Assets (ROA)	1.93%	1.93%	1.72%	1.52%	0.99%	2.68%
Earnings Yield	30.04%	30.43%	49.81%	63.70%	39.78%	103.14%
FCF Yield	-110.08%	-111.49%	-18.20%	-55.83%	101.59%	38.97%
Dividend Yield	5.90%	6.24%	-	-	-	-
Payout Ratio	16.67%	16.67%	-	-	-	-
Total Shareholder Return	5.90%	6.24%	-	-	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.