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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 24, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	98,488	42,264	28,227	28,990	30,668	44,781
Market Cap Growth	123.36%	49.73%	-2.63%	-5.47%	-31.52%	-14.93%
Last Close Price	64.55	26.16	17.47	17.95	18.99	27.72
PE Ratio	3.90	2.01	1.57	2.51	0.97	17.13
PS Ratio	1.56	0.75	0.55	0.65	0.46	1.58
PB Ratio	0.41	0.20	0.15	0.17	0.19	0.29
P/FCF Ratio	-	-	-	0.98	2.57	1.43
P/OCF Ratio	-	-	-	0.97	2.35	1.38
Debt / Equity Ratio	0.15	0.18	0.30	0.42	0.65	0.96
Debt / FCF Ratio	-	-	-	2.41	8.71	4.81
Net Debt / Equity Ratio	-0.44	-0.71	-0.59	-0.46	-0.55	-0.61
Net Debt / FCF Ratio	3.74	17.75	7.09	-2.67	-7.35	-3.05
Return on Equity (ROE)	11.09%	10.39%	9.95%	7.00%	20.44%	1.55%
Return on Assets (ROA)	2.01%	1.72%	1.52%	0.99%	2.68%	0.20%
Earnings Yield	25.64%	49.81%	63.70%	39.78%	103.14%	5.84%
FCF Yield	-93.96%	-20.57%	-56.67%	101.59%	38.97%	69.78%
Buyback Yield / Dilution	-	-	-	-	-	-11.15%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.