Philippine Savings Bank (PSE:PSB)

Philippine Savings Bank Statistics

Total Valuation

PSE:PSB has a market cap or net worth of PHP 22.79 billion.

Market Cap	22.79B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Friday, August 14, 2026.

Earnings Date	Aug 14, 2026
Ex-Dividend Date	May 8, 2026

Share Statistics

PSE:PSB has 426.86 million shares outstanding. The number of shares has increased by 0.09% in one year.

Current Share Class	426.86M
Shares Outstanding	426.86M
Shares Change (YoY)	+0.09%
Shares Change (QoQ)	+0.10%
Owned by Insiders (%)	9.17%
Owned by Institutions (%)	0.48%
Float	10.11M

Valuation Ratios

The trailing PE ratio is 7.05.

PE Ratio	7.05
Forward PE	n/a
PS Ratio	1.71
PB Ratio	0.50
P/TBV Ratio	0.50
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	-0.65
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 7.10%.

Return on Equity (ROE)	7.10%
Return on Assets (ROA)	1.42%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	3.90%
Revenue Per Employee	4.97M
Profits Per Employee	1.21M
Employee Count	2,683
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PSE:PSB has paid 289.22 million in taxes.

Income Tax	289.22M
Effective Tax Rate	8.21%

Stock Price Statistics

The stock price has decreased by -5.96% 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	-5.96%
50-Day Moving Average	56.11
200-Day Moving Average	56.52
Relative Strength Index (RSI)	38.42
Average Volume (20 Days)	5,028

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 13.34 billion and earned 3.24 billion in profits. Earnings per share was 7.57.

Revenue	13.34B
Gross Profit	13.25B
Operating Income	3.94B
Pretax Income	3.52B
Net Income	3.24B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	7.57

Balance Sheet

The company has 2.15 billion in cash and 4.97 billion in debt, with a net cash position of -2.82 billion or -6.60 per share.

Cash & Cash Equivalents	2.15B
Total Debt	4.97B
Net Cash	-2.82B
Net Cash Per Share	-6.60
Equity (Book Value)	45.97B
Book Value Per Share	107.58
Working Capital	-176.28B

Cash Flow

In the last 12 months, operating cash flow was -7.42 billion and capital expenditures -206.95 million, giving a free cash flow of -7.62 billion.

Operating Cash Flow	-7.42B
Capital Expenditures	-206.95M
Depreciation & Amortization	n/a
Net Borrowing	4.40B
Free Cash Flow	-7.62B
FCF Per Share	-17.86

Margins

Gross Margin	n/a
Operating Margin	29.53%
Pretax Margin	26.42%
Profit Margin	24.25%
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 5.62%.

Dividend Per Share	3.00
Dividend Yield	5.62%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	39.59%
Buyback Yield	-0.09%
Shareholder Yield	5.51%
Earnings Yield	14.19%
FCF Yield	-33.45%

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