Philippine Savings Bank (PSE:PSB)

Philippine Savings Bank Statistics

Total Valuation

PSE:PSB has a market cap or net worth of PHP 23.35 billion.

Market Cap	23.35B
Enterprise Value	n/a

Important Dates

The last earnings date was Friday, November 14, 2025.

Earnings Date	Nov 14, 2025
Ex-Dividend Date	Nov 7, 2025

Share Statistics

PSE:PSB has 426.86 million shares outstanding. The number of shares has decreased by -0.06% in one year.

Current Share Class	426.86M
Shares Outstanding	426.86M
Shares Change (YoY)	-0.06%
Shares Change (QoQ)	-0.41%
Owned by Insiders (%)	9.17%
Owned by Institutions (%)	0.48%
Float	10.12M

Valuation Ratios

The trailing PE ratio is 5.76.

PE Ratio	5.76
Forward PE	n/a
PS Ratio	1.65
PB Ratio	0.51
P/TBV Ratio	0.51
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	-0.32
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.04%.

Return on Equity (ROE)	9.04%
Return on Assets (ROA)	1.84%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	5.29M
Profits Per Employee	1.51M
Employee Count	2,683
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PSE:PSB has paid 833.28 million in taxes.

Income Tax	833.28M
Effective Tax Rate	17.06%

Stock Price Statistics

The stock price has decreased by -8.65% in the last 52 weeks. The beta is 0.05, so PSE:PSB's price volatility has been lower than the market average.

Beta (5Y)	0.05
52-Week Price Change	-8.65%
50-Day Moving Average	56.43
200-Day Moving Average	57.72
Relative Strength Index (RSI)	46.90
Average Volume (20 Days)	2,627

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:PSB had revenue of PHP 14.19 billion and earned 4.05 billion in profits. Earnings per share was 9.50.

Revenue	14.19B
Gross Profit	14.12B
Operating Income	5.11B
Pretax Income	4.88B
Net Income	4.05B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	9.50

Balance Sheet

The company has 3.54 billion in cash and 6.14 billion in debt, giving a net cash position of -2.61 billion or -6.11 per share.

Cash & Cash Equivalents	3.54B
Total Debt	6.14B
Net Cash	-2.61B
Net Cash Per Share	-6.11
Equity (Book Value)	46.15B
Book Value Per Share	108.37
Working Capital	-163.81B

Cash Flow

In the last 12 months, operating cash flow was -18.79 billion and capital expenditures -323.29 million, giving a free cash flow of -19.11 billion.

Operating Cash Flow	-18.79B
Capital Expenditures	-323.29M
Free Cash Flow	-19.11B
FCF Per Share	-44.77

Margins

Gross Margin	n/a
Operating Margin	36.00%
Pretax Margin	34.42%
Profit Margin	28.55%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 3.00, which amounts to a dividend yield of 5.46%.

Dividend Per Share	3.00
Dividend Yield	5.46%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	31.61%
Buyback Yield	0.06%
Shareholder Yield	5.53%
Earnings Yield	17.35%
FCF Yield	-81.85%

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 January 28, 2020. It was a forward split with a ratio of 1.1142.

Last Split Date	Jan 28, 2020
Split Type	Forward
Split Ratio	1.1142

Scores

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