Philippine National Bank (PSE:PNB)

Philippine National Bank Statistics

Total Valuation

PSE:PNB has a market cap or net worth of PHP 78.58 billion.

Market Cap	78.58B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Wednesday, November 12, 2025.

Earnings Date	Nov 12, 2025
Ex-Dividend Date	Sep 12, 2025

Share Statistics

PSE:PNB has 1.53 billion shares outstanding.

Current Share Class	1.53B
Shares Outstanding	1.53B
Shares Change (YoY)	n/a
Shares Change (QoQ)	+0.07%
Owned by Insiders (%)	0.71%
Owned by Institutions (%)	2.61%
Float	255.90M

Valuation Ratios

The trailing PE ratio is 3.38 and the forward PE ratio is 3.65.

PE Ratio	3.38
Forward PE	3.65
PS Ratio	1.29
PB Ratio	0.35
P/TBV Ratio	0.37
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	-0.87
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.92%.

Return on Equity (ROE)	10.92%
Return on Assets (ROA)	1.84%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	7.32M
Profits Per Employee	2.80M
Employee Count	8,318
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PSE:PNB has paid 6.35 billion in taxes.

Income Tax	6.35B
Effective Tax Rate	21.33%

Stock Price Statistics

The stock price has increased by +90.78% in the last 52 weeks. The beta is 0.40, so PSE:PNB's price volatility has been lower than the market average.

Beta (5Y)	0.40
52-Week Price Change	+90.78%
50-Day Moving Average	54.23
200-Day Moving Average	47.61
Relative Strength Index (RSI)	43.50
Average Volume (20 Days)	172,847

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, PSE:PNB had revenue of PHP 60.92 billion and earned 23.29 billion in profits. Earnings per share was 15.26.

Revenue	60.92B
Gross Profit	60.89B
Operating Income	30.64B
Pretax Income	29.75B
Net Income	23.29B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	15.26

Balance Sheet

The company has 164.69 billion in cash and 33.96 billion in debt, giving a net cash position of 130.73 billion or 85.68 per share.

Cash & Cash Equivalents	164.69B
Total Debt	33.96B
Net Cash	130.73B
Net Cash Per Share	85.68
Equity (Book Value)	225.93B
Book Value Per Share	145.63
Working Capital	-789.21B

Cash Flow

In the last 12 months, operating cash flow was -38.71 billion and capital expenditures -416.37 million, giving a free cash flow of -39.12 billion.

Operating Cash Flow	-38.71B
Capital Expenditures	-416.37M
Free Cash Flow	-39.12B
FCF Per Share	-25.64

Margins

Gross Margin	n/a
Operating Margin	50.29%
Pretax Margin	48.84%
Profit Margin	38.24%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 2.76, which amounts to a dividend yield of 5.39%.

Dividend Per Share	2.76
Dividend Yield	5.39%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	5.39%
Earnings Yield	29.64%
FCF Yield	-49.79%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on April 28, 1997. It was a forward split with a ratio of 1.375.

Last Split Date	Apr 28, 1997
Split Type	Forward
Split Ratio	1.375

Scores

Altman Z-Score	n/a
Piotroski F-Score	2