Philippine Bank of Communications (PHS:PBC) Net Loan: ₱90,069 Mil (As of Mar. 2026)


PHS:PBC Philippine Bank of Communications PHS:PBC
62 GF Score
Price ₱14.80
GF Value ₱20.00
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Philippine Bank of Communications Net Loan?

Philippine Bank of Communications PHS:PBC -1.33% 62 Net Loan is ₱90,069 Mil as of Mar. 2026. GuruFocus rates PHS:PBC with a GF Score™ of 62/100 and a GF Value™ of ₱20.00 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Philippine Bank of Communications's quarterly net loan increased from Sep. 2025 (₱90,763 Mil) to Dec. 2025 (₱100,862 Mil) but then declined from Dec. 2025 (₱100,862 Mil) to Mar. 2026 (₱90,069 Mil).

Philippine Bank of Communications's annual net loan increased from Dec. 2023 (₱89,511 Mil) to Dec. 2024 (₱100,862 Mil) and increased from Dec. 2024 (₱100,862 Mil) to Dec. 2025 (₱90,069 Mil).

Philippine Bank of Communications Net Loan Historical Data

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The historical data trend for Philippine Bank of Communications'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.

Philippine Bank of Communications Net Loan Chart

Philippine Bank of Communications 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 62,708.64 74,552.57 89,510.66 98,706.10 100,861.82

Philippine Bank of Communications 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 87,192.10 88,477.60 90,762.91 100,861.82 90,069.09
PHS:PBC
62GF Score
Philippine Bank of Communications PHS:PBC
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Philippine Bank of Communications 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 ₱90,069 Mil mean?
Philippine Bank of Communications (PHS:PBC) has a Net Loan of ₱90,069 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Philippine Bank of Communications and its competitors.
Is Philippine Bank of Communications' Net Loan too high?
Philippine Bank of Communications' current Net Loan is ₱90,069 Mil. Overall, Philippine Bank of Communications has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Bank of Communications' Net Loan compare to PNC and USB?
Philippine Bank of Communications' Net Loan of ₱90,069 Mil can be compared against companies in the Banks 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 a Banks company?
A good Net Loan depends on the Banks 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 Philippine Bank of Communications and its competitors. Philippine Bank of Communications's current Net Loan is ₱90,069 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Bank of Communications stock overvalued right now?
Based on GuruFocus' analysis, Philippine Bank of Communications (PHS:PBC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱20.00, compared to a current price of ₱14.80 — trading 26% below its estimated fair value. The current Net Loan is ₱90,069 Mil. Philippine Bank of Communications' overall GF Score™ is 62/100 with 3 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 Philippine Bank of Communications (PHS:PBC), the current Net Loan is ₱90,069 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 Philippine Bank of Communications (PHS:PBC) Overvalued in 2026?

Based on GuruFocus' analysis, Philippine Bank of Communications stock appears to be undervalued. The current stock price of ₱14.80 is trading 26% below its estimated GF Value™ of ₱20.00. GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.

Key valuation signals for PHS:PBC:

  • Net Loan: ₱90,069 Mil
  • GF Value™: ₱20.00 vs. price of ₱14.80 (26% below fair value)
  • GF Score™: 62/100 with 3 warning signs

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

Philippine Bank of Communications Business Description

Address 6795 Ayala Avenue corner V.A. Rufino Street, PBCom Tower, P.O. Box 3281, Makati City, PHL, 1226
Philippine Bank of Communications is a banking corporation registered in the Philippines. It is engaged in providing retail and commercial banking services such as savings, deposits, current accounts, cash management, checking, time deposit accounts, and debit cards. It also offers a wide range-of-products and services to clients. These include basic universal banking services such as deposit products, credit and loan facilities, trade-related services, treasury and foreign exchange trading, cash management services, and Trust and Investment Management services. It organizes its business into five segments, namely Branch Banking, Corporate Banking, Treasury, Consumer Finance, and Trust and Wealth Management. The company's revenue consists of interest income, dividends, fees, & commissions.
62GF Score

Get the complete analysis for PHS:PBC

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

₱14.80
Price
₱20.00
GF Value