Philippine Savings Bank (PSE:PSB)

Philippine Savings Bank Statistics

Total Valuation

PSE:PSB has a market cap or net worth of PHP 24.63 billion.

Market Cap	24.63B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, May 15, 2026.

Earnings Date	May 15, 2026
Ex-Dividend Date	Jan 29, 2026

Share Statistics

PSE:PSB has 426.86 million shares outstanding. The number of shares has increased by 0.02% in one year.

Current Share Class	426.86M
Shares Outstanding	426.86M
Shares Change (YoY)	+0.02%
Shares Change (QoQ)	+0.37%
Owned by Insiders (%)	0.00%
Owned by Institutions (%)	0.48%
Float	49.58M

Valuation Ratios

The trailing PE ratio is 7.03.

PE Ratio	7.03
Forward PE	n/a
PS Ratio	1.82
PB Ratio	0.53
P/TBV Ratio	0.54
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	-0.46
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.76%.

Return on Equity (ROE)	7.76%
Return on Assets (ROA)	1.54%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.81%
Revenue Per Employee	5.05M
Profits Per Employee	1.31M
Employee Count	2,683
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PSE:PSB has paid 534.83 million in taxes.

Income Tax	534.83M
Effective Tax Rate	13.25%

Stock Price Statistics

The stock price has decreased by -1.20% in the last 52 weeks. The beta is 0.09, so PSE:PSB's price volatility has been lower than the market average.

Beta (5Y)	0.09
52-Week Price Change	-1.20%
50-Day Moving Average	57.22
200-Day Moving Average	57.05
Relative Strength Index (RSI)	54.00
Average Volume (20 Days)	2,337

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 13.56 billion and earned 3.50 billion in profits. Earnings per share was 8.20.

Revenue	13.56B
Gross Profit	13.46B
Operating Income	4.44B
Pretax Income	4.04B
Net Income	3.50B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	8.20

Balance Sheet

The company has 3.22 billion in cash and 6.11 billion in debt, with a net cash position of -2.88 billion or -6.75 per share.

Cash & Cash Equivalents	3.22B
Total Debt	6.11B
Net Cash	-2.88B
Net Cash Per Share	-6.75
Equity (Book Value)	46.10B
Book Value Per Share	108.00
Working Capital	-172.69B

Cash Flow

In the last 12 months, operating cash flow was -13.08 billion and capital expenditures -213.17 million, giving a free cash flow of -13.29 billion.

Operating Cash Flow	-13.08B
Capital Expenditures	-213.17M
Depreciation & Amortization	n/a
Net Borrowing	4.41B
Free Cash Flow	-13.29B
FCF Per Share	-31.13

Margins

Gross Margin	n/a
Operating Margin	32.72%
Pretax Margin	29.77%
Profit Margin	25.82%
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 5.20%.

Dividend Per Share	3.00
Dividend Yield	5.20%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	36.57%
Buyback Yield	-0.02%
Shareholder Yield	5.18%
Earnings Yield	14.22%
FCF Yield	-53.95%

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