Philippinevings Bank (PHS:PSB) Unearned Income: ₱-0 Mil (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PHS:PSB Philippine Savings Bank PHS:PSB
60 GF Score
Price ₱52.30
GF Value ₱58.92
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Philippinevings Bank Unearned Income?

Philippinevings Bank PHS:PSB -0.38% 60 Unearned Income is ₱-0 Mil as of Jun. 2026. GuruFocus rates PHS:PSB with a GF Score™ of 60/100 and a GF Value™ of ₱58.92 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Philippinevings Bank's Unearned Income for the quarter that ended in Jun. 2026 was ₱-0 Mil.

Philippinevings Bank's quarterly Unearned Income increased from Dec. 2025 (₱-60 Mil) to Mar. 2026 (₱-0 Mil) and increased from Mar. 2026 (₱-0 Mil) to Jun. 2026 (₱-0 Mil).

Philippinevings Bank's annual Unearned Income increased from Dec. 2023 (₱-115 Mil) to Dec. 2024 (₱-75 Mil) and increased from Dec. 2024 (₱-75 Mil) to Dec. 2025 (₱-60 Mil).

Philippinevings Bank Unearned Income Related Terms

Philippinevings Bank Unearned Income Historical Data

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The historical data trend for Philippinevings Bank's Unearned Income 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 Unearned Income Chart

Philippinevings Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Unearned Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only -292.60 -185.27 -115.00 -74.92 -59.70

Philippinevings Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Unearned Income 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 -66.87 -63.10 -59.70 -0.04 -0.03
PHS:PSB
60GF Score
Philippine Savings Bank PHS:PSB
Unearned Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Philippinevings Bank Unearned Income Calculation

Unearned Income is the income received but not yet earned, it represents the unearned amount that is netted against the total loan.

Frequently Asked Questions Learn more about Unearned Income →
What does a Unearned Income of ₱-0 Mil mean?
Philippinevings Bank (PHS:PSB) has a Unearned Income of ₱-0 Mil as of Jun. 2026. Unearned Income is the income received but not yet earned, it represents the unearned amount that is netted against the total loan. View historical data on Philippinevings Bank and its competitors.
Is Philippinevings Bank's Unearned Income too high?
Philippinevings Bank's current Unearned Income is ₱-0 Mil. Overall, Philippinevings Bank has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippinevings Bank's Unearned Income compare to competitors?
Philippinevings Bank's Unearned Income of ₱-0 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 Unearned Income for a Banks company?
A good Unearned Income depends on the Banks industry context. However, Unearned Income 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 Unearned Income mean?
A high Unearned Income can signal that a stock is expensive relative to its fundamentals. Unearned Income is the income received but not yet earned, it represents the unearned amount that is netted against the total loan. View historical data on Philippinevings Bank and its competitors. Philippinevings Bank's current Unearned Income is ₱-0 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 ₱58.92, compared to a current price of ₱52.30 — trading 11.2% below its estimated fair value. The current Unearned Income is ₱-0 Mil. Philippinevings Bank's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Unearned Income calculated?
Unearned Income is calculated from a company's financial statements. For Philippinevings Bank (PHS:PSB), the current Unearned Income is ₱-0 Mil as of Jun. 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 ₱52.30 is trading 11.2% below its estimated GF Value™ of ₱58.92. GuruFocus considers Philippinevings Bank to be Modestly Undervalued.

Key valuation signals for PHS:PSB:

  • Unearned Income: ₱-0 Mil
  • GF Value™: ₱58.92 vs. price of ₱52.30 (11.2% below fair value)
  • GF Score™: 60/100 with 3 warning signs

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.
60GF Score

Get the complete analysis for PHS:PSB

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

₱52.30
Price
₱58.92
GF Value