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Philippine Business BankPHS:PBB 60 Cash-to-Debt is 20.04 as of Jun. 2026, which is 396% above its 10-year median of 4.04. GuruFocus rates PHS:PBB with a GF Score™ of 60/100 and a GF Value™ of ₱8.71 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,497 Banks companies, Philippine Business Bank ranks better than 62.59% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Philippine Business Bank's cash to debt ratio for the quarter that ended in Jun. 2026 was 20.04.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Philippine Business Bankcould pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Philippine Business Bank's Cash-to-Debt or its related term are showing as below:
PHS:PBB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 1.19 Med: 4.04 Max: No Debt
Current: 2.35
During the past 13 years, Philippine Business Bank's highest Cash to Debt Ratio was No Debt. The lowest was 1.19. And the median was 4.04.
PHS:PBB's Cash-to-Debt is ranked better than 62.59% of 1497
companies
in the Banks industry
Industry Median: 1.38
vs PHS:PBB: 2.35
Philippine Business Bank (PHS:PBB) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Philippine Business Bank Cash-to-Debt Related Terms
Philippine Business Bank Cash-to-Debt Historical Data
* 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, Philippine Business Bank's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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.
Philippine Business Bank Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Business Bank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Philippine Business Bank's Cash-to-Debt 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.
Philippine Business Bank (PHS:PBB) has a Cash-to-Debt of 20.04 as of Jun. 2026. This is 396% above median its historical median of 4.04. Over the past decade, Philippine Business Bank's Cash-to-Debt has ranged from 1.19 to 10,000.00. According to the industry distribution chart, Philippine Business Bank ranks #560 out of 1497 companies in the Banks industry, placing it in the top 37.4%.
Is Philippine Business Bank's Cash-to-Debt too high?
Philippine Business Bank's current Cash-to-Debt of 20.04 is 396% above median its 10-year median of 4.04. Over the past 10 years, this metric has ranged from a low of 1.19 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.38. Philippine Business Bank's value of 20.04 is 1352.2% above this industry median. Based on the distribution chart, Philippine Business Bank ranks #560 out of 1497 companies in the Banks industry, which is above the industry midpoint. Overall, Philippine Business 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 Philippine Business Bank's Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Business Bank ranks #560 out of 1497 companies for Cash-to-Debt. This puts Philippine Business Bank in the upper half of its industry. The industry median Cash-to-Debt is 1.38. Philippine Business Bank's value of 20.04 is 1352.2% above this benchmark. Historically, Philippine Business Bank's own Cash-to-Debt has ranged from 1.19 to 10,000.00 over the past decade. While the company's 10-year median is 4.04 vs. the industry median of 1.38, Philippine Business 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Business Bank's current Cash-to-Debt of 20.04 is 1352.2% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Business Bank's current Cash-to-Debt is 20.04, which is 396% above median its own 10-year median of 4.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Business Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippine Business Bank (PHS:PBB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱8.71, compared to a current price of ₱7.07 — trading 18.8% below its estimated fair value. The current Cash-to-Debt is 20.04, which is 396% above median its 10-year median of 4.04 and 1352.2% above the Banks industry median of 1.38. Philippine Business Bank's overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Philippine Business Bank (PHS:PBB), the current Cash-to-Debt is 20.04 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 Philippine Business Bank (PHS:PBB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Business Bank stock appears to be undervalued.
The current stock price of ₱7.07 is trading 18.8% below its estimated GF Value™ of ₱8.71.
GuruFocus considers Philippine Business Bank to be Modestly Undervalued.
Key valuation signals for PHS:PBB:
Cash-to-Debt: 20.04 (396% above median its 10-year median of 4.04)
GF Value™: ₱8.71 vs. price of ₱7.07 (18.8% below fair value)
Industry Position: 1352.2% above the Banks median (#560 of 1497)
No single metric tells the full story. See the PHS:PBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Business Bank engages in the business of thrift banking. The company provides banking and financial services including cash management, retail and corporate lending, deposit products, international trade finance, treasury, and trust products. The company's predominant operating segments are Consumer Banking which includes auto financing, home financing, and salary or personal loans; Corporate Banking which includes term loans, working capital credit lines, bills purchase, and discounting lines; and Treasury Operations engages in managing the liquidity of the Bank and its trading and investment activities. The majority of its revenue comes from the Corporate Banking segment.
60GF Score
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