National Reinsurance of the Philippines (PHS:NRCP) Net Loan: ₱19 Mil (As of Mar. 2026)


PHS:NRCP National Reinsurance Corp of the Philippines PHS:NRCP
43 GF Score
Price ₱0.94
GF Value ₱0.61
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is National Reinsurance of the Philippines Net Loan?

National Reinsurance of the Philippines PHS:NRCP -1.05% 43 Net Loan is ₱19 Mil as of Mar. 2026. GuruFocus rates PHS:NRCP with a GF Score™ of 43/100 and a GF Value™ of ₱0.61 (Significantly Overvalued). The stock has 2 warning signs investors should review.

National Reinsurance of the Philippines's quarterly net loan increased from Sep. 2025 (₱15 Mil) to Dec. 2025 (₱127 Mil) but then declined from Dec. 2025 (₱127 Mil) to Mar. 2026 (₱19 Mil).

National Reinsurance of the Philippines's annual net loan increased from Dec. 2023 (₱110 Mil) to Dec. 2024 (₱127 Mil) but then declined from Dec. 2024 (₱127 Mil) to Dec. 2025 (₱19 Mil).

National Reinsurance of the Philippines Net Loan Historical Data

* Premium members only.

The historical data trend for National Reinsurance of the Philippines's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

National Reinsurance of the Philippines Net Loan Chart

National Reinsurance of the Philippines Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.29 86.21 109.57 127.61 126.58

National Reinsurance of the Philippines Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 27.68 21.50 15.00 126.58 18.79
PHS:NRCP
43GF Score
National Reinsurance Corp of the Philippines PHS:NRCP
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

National Reinsurance of the Philippines Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of ₱19 Mil mean?
National Reinsurance of the Philippines (PHS:NRCP) has a Net Loan of ₱19 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on National Reinsurance of the Philippines and its competitors.
Is National Reinsurance of the Philippines' Net Loan too high?
National Reinsurance of the Philippines' current Net Loan is ₱19 Mil. Overall, National Reinsurance of the Philippines has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Reinsurance of the Philippines' Net Loan compare to RGA and EG?
National Reinsurance of the Philippines' Net Loan of ₱19 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for an Insurance company?
A good Net Loan depends on the Insurance industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on National Reinsurance of the Philippines and its competitors. National Reinsurance of the Philippines's current Net Loan is ₱19 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Reinsurance of the Philippines stock overvalued right now?
Based on GuruFocus' analysis, National Reinsurance of the Philippines (PHS:NRCP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱0.61, compared to a current price of ₱0.94 — trading 54.1% above its estimated fair value. The current Net Loan is ₱19 Mil. National Reinsurance of the Philippines' overall GF Score™ is 43/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For National Reinsurance of the Philippines (PHS:NRCP), the current Net Loan is ₱19 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is National Reinsurance of the Philippines (PHS:NRCP) Overvalued in 2026?

Based on GuruFocus' analysis, National Reinsurance of the Philippines stock appears to be overvalued. The current stock price of ₱0.94 is trading 54.1% above its estimated GF Value™ of ₱0.61. GuruFocus considers National Reinsurance of the Philippines to be Significantly Overvalued.

Key valuation signals for PHS:NRCP:

  • Net Loan: ₱19 Mil
  • GF Value™: ₱0.61 vs. price of ₱0.94 (54.1% above fair value)
  • GF Score™: 43/100 with 2 warning signs

No single metric tells the full story. See the PHS:NRCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

National Reinsurance of the Philippines Business Description

Address 6811 Ayala Avenue, 31st Floor, BPI AIA, Makati, PHL, 1227
National Reinsurance Corp of the Philippines engages in the provision of reinsurance products and services. It operates through the following businesses: life and non-life. The Life Business includes proportional insurance for individual, ordinary, and group businesses, as well as non-proportional insurance for catastrophe, an excess of loss, and stop loss. Non-Life Business provides insurance on fire, aviation, marine and aviation, casualty, motor, and others.
43GF Score

Get the complete analysis for PHS:NRCP

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱0.94
Price
₱0.61
GF Value