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	May 15, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	88,342	83,002	42,264	28,227	28,990	30,668
Market Cap Growth	31.59%	96.39%	49.73%	-2.63%	-5.47%	-31.52%
Last Close Price	57.90	52.86	25.43	16.98	17.44	18.45
PE Ratio	3.46	3.29	2.01	1.57	2.51	0.97
PS Ratio	1.38	1.31	0.75	0.55	0.65	0.46
PB Ratio	0.37	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	0.22	0.17	0.18	0.30	0.42	0.65
Debt / FCF Ratio	-	-	-	-	2.41	8.71
Net Debt / Equity Ratio	-0.46	-0.68	-0.71	-0.59	-0.46	-0.55
Net Debt / FCF Ratio	1.71	1.76	20.06	7.20	-2.67	-7.35
Return on Equity (ROE)	11.21%	11.09%	10.39%	9.95%	7.00%	20.44%
Return on Assets (ROA)	1.96%	1.93%	1.72%	1.52%	0.99%	2.68%
Earnings Yield	28.90%	30.43%	49.81%	63.70%	39.78%	103.14%
FCF Yield	-72.91%	-111.49%	-18.20%	-55.83%	101.59%	38.97%
Dividend Yield	5.70%	6.24%	-	-	-	-
Payout Ratio	36.21%	16.67%	-	-	-	-
Total Shareholder Return	5.69%	6.24%	-	-	-	-

Source: S&P Global Market Intelligence. Banks template. Financial Sources.