Philippine National Bank (PSE:PNB)

Philippine National Bank Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 6, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	86,435	83,002	42,264	28,227	28,990	30,668
Market Cap Growth	41.45%	96.39%	49.73%	-2.63%	-5.47%	-31.52%
Last Close Price	56.65	52.86	25.43	16.98	17.44	18.45
PE Ratio	3.42	3.29	2.01	1.57	2.51	0.97
PS Ratio	1.37	1.31	0.75	0.55	0.65	0.46
PB Ratio	0.36	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	29.22%	30.43%	49.81%	63.70%	39.78%	103.14%
FCF Yield	-107.07%	-111.49%	-18.20%	-55.83%	101.59%	38.97%
Dividend Yield	5.72%	6.24%	-	-	-	-
Payout Ratio	16.67%	16.67%	-	-	-	-
Total Shareholder Return	5.72%	6.24%	-	-	-	-

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