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Philippinevings BankPHS:PSB +0.87%59 Capex-to-Operating-Cash-Flow is 0.18 as of Jun. 2026, which is 350% above its 10-year median of 0.04. GuruFocus rates PHS:PSB with a GF Score™ of 59/100 and a GF Value™ of ₱59.95 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 830 Banks companies, Philippinevings Bank ranks worse than 89.64% on this metric.
Capex-to-Operating-Cash-Flow assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. It’s also useful to distinguish whether the company is capital intensive or not.
Philippinevings Bank (PHS:PSB) Capex-to-Operating-Cash-Flow Explanation
Capex-to-Operating-Cash-Flow ratio assesses how much of a company’s Cash Flow from Operations is being devoted to Capital Expenditure. It is a good indicator in terms of how much the company is focused on growth. In general, a high Capex-to-Operating-Cash-Flow ratio indicates that the company is investing more in physical assets and is focused on growth and expansion. Conversely, lower ratio could indicate that a company has reached maturity and is no longer pursuing aggressive growth.
Moreover, the ratio is also useful to distinguish whether the company is capital intensive or not. If the ratio is large, then the company tends to be capital intensive. Lower ratio suggests that it’s a capital-light business. The ratio can be combined with ROIC % to identify whether the company is an asset-light business that has a high return on invested capital. This is one question investors commonly ask to see if a company qualifies as a good company.
Philippinevings Bank Capex-to-Operating-Cash-Flow Related Terms
Philippinevings Bank Capex-to-Operating-Cash-Flow Historical Data
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The historical data trend for Philippinevings Bank's Capex-to-Operating-Cash-Flow 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 Capex-to-Operating-Cash-Flow Chart
Philippinevings Bank Capex-to-Operating-Cash-Flow Competitor Comparison
For the Banks - Regional subindustry, Philippinevings Bank's Capex-to-Operating-Cash-Flow, along with its competitors' market caps and Capex-to-Operating-Cash-Flow data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Philippinevings Bank Capex-to-Operating-Cash-Flow vs Banks Industry
For the Banks industry and Financial Services sector, Philippinevings Bank's Capex-to-Operating-Cash-Flow distribution charts can be found below:
* The bar in red indicates where Philippinevings Bank's Capex-to-Operating-Cash-Flow falls into.
* 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.
What does a Capex-to-Operating-Cash-Flow of 0.18 mean?
Philippinevings Bank (PHS:PSB) has a Capex-to-Operating-Cash-Flow of 0.18 as of Jun. 2026. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on Philippinevings Bank and its competitors. This is 350% above median its historical median of 0.04. According to the industry distribution chart, Philippinevings Bank ranks #744 out of 830 companies in the Banks industry, placing it in the top 89.6%.
Is Philippinevings Bank's Capex-to-Operating-Cash-Flow too high?
Philippinevings Bank's current Capex-to-Operating-Cash-Flow of 0.18 is 350% above median its 10-year median of 0.04. The Banks industry median Capex-to-Operating-Cash-Flow is 0.06. Philippinevings Bank's value of 0.18 is 200% above this industry median. Based on the distribution chart, Philippinevings Bank ranks #744 out of 830 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Philippinevings Bank has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippinevings Bank's Capex-to-Operating-Cash-Flow compare to competitors?
According to the Banks industry distribution chart, Philippinevings Bank ranks #744 out of 830 companies for Capex-to-Operating-Cash-Flow. This places Philippinevings Bank in the lower half of its industry. The industry median Capex-to-Operating-Cash-Flow is 0.06. Philippinevings Bank's value of 0.18 is 200% above this benchmark. While the company's 10-year median is 0.04 vs. the industry median of 0.06, Philippinevings Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Capex-to-Operating-Cash-Flow for a Banks company?
The median Capex-to-Operating-Cash-Flow among Banks companies is 0.06, based on 830 companies in the industry. Companies in the top quartile (top 25%) have a Capex-to-Operating-Cash-Flow significantly above this median, while those in the bottom quartile fall well below. However, Capex-to-Operating-Cash-Flow should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippinevings Bank's current Capex-to-Operating-Cash-Flow of 0.18 is 200% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Capex-to-Operating-Cash-Flow mean?
A high Capex-to-Operating-Cash-Flow can signal that a stock is expensive relative to its fundamentals. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on Philippinevings Bank and its competitors. For the Banks industry, the median Capex-to-Operating-Cash-Flow is 0.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippinevings Bank's current Capex-to-Operating-Cash-Flow is 0.18, which is 350% above median its own 10-year median of 0.04. 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 ₱59.95, compared to a current price of ₱50.90 — trading 15.1% below its estimated fair value. The current Capex-to-Operating-Cash-Flow is 0.18, which is 350% above median its 10-year median of 0.04 and 200% above the Banks industry median of 0.06. Philippinevings Bank's overall GF Score™ is 59/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Capex-to-Operating-Cash-Flow calculated?
Capex-to-Operating-Cash-Flow is calculated from a company's financial statements. For Philippinevings Bank (PHS:PSB), the current Capex-to-Operating-Cash-Flow is 0.18 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 ₱50.90 is trading 15.1% below its estimated GF Value™ of ₱59.95.
GuruFocus considers Philippinevings Bank to be Modestly Undervalued.
Key valuation signals for PHS:PSB:
Capex-to-Operating-Cash-Flow: 0.18 (350% above median its 10-year median of 0.04)
GF Value™: ₱59.95 vs. price of ₱50.90 (15.1% below fair value)
Industry Position: 200% above the Banks median (#744 of 830)
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.
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.
59GF Score
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Capex-to-Operating-Cash-Flow is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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