Philippine Trust Co (PHS:PTC) Net Loan: ₱35,564 Mil (As of Mar. 2026)


PHS:PTC Philippine Trust Co PHS:PTC
69 GF Score
Price ₱90.00
GF Value ₱100.67
Valuation Modestly Undervalued
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What is Philippine Trust Co Net Loan?

Philippine Trust Co PHS:PTC 69 Net Loan is ₱35,564 Mil as of Mar. 2026. GuruFocus rates PHS:PTC with a GF Score™ of 69/100 and a GF Value™ of ₱100.67 (Modestly Undervalued).

Philippine Trust Co's quarterly net loan increased from Sep. 2025 (₱32,411 Mil) to Dec. 2025 (₱32,606 Mil) and increased from Dec. 2025 (₱32,606 Mil) to Mar. 2026 (₱35,564 Mil).

Philippine Trust Co's annual net loan increased from Dec. 2023 (₱24,864 Mil) to Dec. 2024 (₱32,606 Mil) and increased from Dec. 2024 (₱32,606 Mil) to Dec. 2025 (₱35,564 Mil).

Philippine Trust Co Net Loan Historical Data

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The historical data trend for Philippine Trust Co'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 Trust Co Net Loan Chart

Philippine Trust Co 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 21,686.08 20,440.06 24,864.37 28,938.52 32,605.89

Philippine Trust Co 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 30,724.93 31,923.72 32,410.72 32,605.89 35,564.28
PHS:PTC
69GF Score
Philippine Trust Co PHS:PTC
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Philippine Trust Co 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 ₱35,564 Mil mean?
Philippine Trust Co (PHS:PTC) has a Net Loan of ₱35,564 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Philippine Trust Co and its competitors.
Is Philippine Trust Co's Net Loan too high?
Philippine Trust Co's current Net Loan is ₱35,564 Mil. Overall, Philippine Trust Co has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Trust Co's Net Loan compare to competitors?
Philippine Trust Co's Net Loan of ₱35,564 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 Trust Co and its competitors. Philippine Trust Co's current Net Loan is ₱35,564 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Philippine Trust Co (PHS:PTC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱100.67, compared to a current price of ₱90.00 — trading 10.6% below its estimated fair value. The current Net Loan is ₱35,564 Mil. Philippine Trust Co's overall GF Score™ is 69/100. 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 Trust Co (PHS:PTC), the current Net Loan is ₱35,564 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 Trust Co (PHS:PTC) Overvalued in 2026?

Based on GuruFocus' analysis, Philippine Trust Co stock appears to be undervalued. The current stock price of ₱90.00 is trading 10.6% below its estimated GF Value™ of ₱100.67. GuruFocus considers Philippine Trust Co to be Modestly Undervalued.

Key valuation signals for PHS:PTC:

  • Net Loan: ₱35,564 Mil
  • GF Value™: ₱100.67 vs. price of ₱90.00 (10.6% below fair value)
  • GF Score™: 69/100

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

Philippine Trust Co Business Description

Address 1000 United Nations Avenue corner San Marcelino Street, Philtrust Bank Building, Manila, PHL, 1007
Philippine Trust Co is engaged in the commercial banking business. It offers various products and services such as deposit products, loans, international services, treasury, and trust functions. The company also provides investment management, estate administration, escrow services, insurance and pension plans, stock registry, and transfer services. Its services are offered through a network of branch offices and ATMs located across different regions in the Philippines. The company operates in two key business segments: Lending, which generates maximum revenue, and Treasury operations.
69GF Score

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

₱90.00
Price
₱100.67
GF Value