Philippinevings Bank (PHS:PSB) Net Loan: ₱158,679 Mil (As of Mar. 2026)

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PHS:PSB Philippine Savings Bank PHS:PSB
57 GF Score
Price ₱52.90
GF Value ₱59.74
Valuation Modestly Undervalued
! 1 Warning Sign
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What is Philippinevings Bank Net Loan?

Philippinevings Bank PHS:PSB +0.38% 57 Net Loan is ₱158,679 Mil as of Mar. 2026. GuruFocus rates PHS:PSB with a GF Score™ of 57/100 and a GF Value™ of ₱59.74 (Modestly Undervalued). The stock has 1 warning sign investors should review.

Philippinevings Bank's quarterly net loan increased from Sep. 2025 (₱153,945 Mil) to Dec. 2025 (₱156,424 Mil) and increased from Dec. 2025 (₱156,424 Mil) to Mar. 2026 (₱158,679 Mil).

Philippinevings Bank's annual net loan increased from Dec. 2023 (₱118,923 Mil) to Dec. 2024 (₱156,424 Mil) and increased from Dec. 2024 (₱156,424 Mil) to Dec. 2025 (₱158,679 Mil).

Philippinevings Bank Net Loan Historical Data

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The historical data trend for Philippinevings Bank'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.

Philippinevings Bank Net Loan Chart

Philippinevings Bank 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 105,734.62 105,641.48 118,923.47 140,315.10 156,424.36

Philippinevings Bank 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 153,867.26 154,842.41 153,945.28 156,424.36 158,678.57
PHS:PSB
57GF Score
Philippine Savings Bank PHS:PSB
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Philippinevings Bank 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 ₱158,679 Mil mean?
Philippinevings Bank (PHS:PSB) has a Net Loan of ₱158,679 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Philippinevings Bank and its competitors.
Is Philippinevings Bank's Net Loan too high?
Philippinevings Bank's current Net Loan is ₱158,679 Mil. Overall, Philippinevings Bank has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippinevings Bank's Net Loan compare to competitors?
Philippinevings Bank's Net Loan of ₱158,679 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 Philippinevings Bank and its competitors. Philippinevings Bank's current Net Loan is ₱158,679 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippinevings Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippinevings Bank (PHS:PSB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱59.74, compared to a current price of ₱52.90 — trading 11.4% below its estimated fair value. The current Net Loan is ₱158,679 Mil. Philippinevings Bank's overall GF Score™ is 57/100 with 1 warning sign 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 Philippinevings Bank (PHS:PSB), the current Net Loan is ₱158,679 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 Philippinevings Bank (PHS:PSB) Overvalued in 2026?

Based on GuruFocus' analysis, Philippinevings Bank stock appears to be undervalued. The current stock price of ₱52.90 is trading 11.4% below its estimated GF Value™ of ₱59.74. GuruFocus considers Philippinevings Bank to be Modestly Undervalued.

Key valuation signals for PHS:PSB:

  • Net Loan: ₱158,679 Mil
  • GF Value™: ₱59.74 vs. price of ₱52.90 (11.4% below fair value)
  • GF Score™: 57/100 with 1 warning sign

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

Philippinevings Bank Business Description

Address 777 Paseo de Roxas Avenue Corner, Sedeno Street, PSBank Center, Metro Manila, Makati City, PHL, 1226
Philippine Savings Bank is a Philippines-based consumer banking company. Its services can be summed up as deposits, loans, treasury, and trust functions offered to the consumer and commercial market. The company's reportable segments are Consumer Banking, Corporate Banking, Branch Banking, and Treasury. Maximum revenue is generated from the Branch Banking segment, which serves as the bank's main customer touch point, offering consumer and corporate banking products. The Consumer and Corporate Banking segments provide loans and other credit facilities to individuals, small and medium enterprises, and corporate and institutional customers. The Treasury segment principally handles institutional deposit accounts, providing money market, trading, and treasury services etc.
57GF Score

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

₱52.90
Price
₱59.74
GF Value