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What is Philippine Bank of Communications Cash-to-Debt?
Philippine Bank of CommunicationsPHS:PBC 57 Cash-to-Debt is 0.63 as of Mar. 2026, which is 56% below its 10-year median of 1.44. GuruFocus rates PHS:PBC with a GF Score™ of 57/100 and a GF Value™ of ₱20.26 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,489 Banks companies, Philippine Bank of Communications ranks worse than 70.58% 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 Bank of Communications's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.63.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Philippine Bank of Communicationscouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Philippine Bank of Communications's Cash-to-Debt or its related term are showing as below:
PHS:PBC'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.35 Med: 1.44 Max: 10.73
Current: 0.63
During the past 13 years, Philippine Bank of Communications's highest Cash to Debt Ratio was 10.73. The lowest was 0.35. And the median was 1.44.
PHS:PBC's Cash-to-Debt is ranked worse than 70.58% of 1489
companies
in the Banks industry
Industry Median: 1.37
vs PHS:PBC: 0.63
Philippine Bank of Communications (PHS:PBC) 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 Bank of Communications Cash-to-Debt Related Terms
Philippine Bank of Communications 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.
Philippine Bank of Communications Cash-to-Debt Chart
For the Banks - Regional subindustry, Philippine Bank of Communications'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 Bank of Communications Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications'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 Bank of Communications (PHS:PBC) has a Cash-to-Debt of 0.63 as of Mar. 2026. This is 56% below median its historical median of 1.44. Over the past decade, Philippine Bank of Communications' Cash-to-Debt has ranged from 0.35 to 10.73. According to the industry distribution chart, Philippine Bank of Communications ranks #1051 out of 1489 companies in the Banks industry, placing it in the top 70.6%.
Is Philippine Bank of Communications' Cash-to-Debt too high?
Philippine Bank of Communications' current Cash-to-Debt of 0.63 is 56% below median its 10-year median of 1.44. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 10.73. The Banks industry median Cash-to-Debt is 1.37. Philippine Bank of Communications' value of 0.63 is 54% below this industry median. Based on the distribution chart, Philippine Bank of Communications ranks #1051 out of 1489 companies in the Banks industry, which is below the industry midpoint. Overall, Philippine Bank of Communications has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Bank of Communications' Cash-to-Debt compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Bank of Communications ranks #1051 out of 1489 companies for Cash-to-Debt. This places Philippine Bank of Communications in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Philippine Bank of Communications' value of 0.63 is 54% below this benchmark. Historically, Philippine Bank of Communications' own Cash-to-Debt has ranged from 0.35 to 10.73 over the past decade. While the company's 10-year median is 1.44 vs. the industry median of 1.37, Philippine Bank of Communications has consistently been below 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 1.37, based on 1,489 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 Bank of Communications's current Cash-to-Debt of 0.63 is 54% below 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 1.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Bank of Communications's current Cash-to-Debt is 0.63, which is 56% below median its own 10-year median of 1.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Bank of Communications stock overvalued right now?
Based on GuruFocus' analysis, Philippine Bank of Communications (PHS:PBC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱20.26, compared to a current price of ₱14.80 — trading 26.9% below its estimated fair value. The current Cash-to-Debt is 0.63, which is 56% below median its 10-year median of 1.44 and 54% below the Banks industry median of 1.37. Philippine Bank of Communications' overall GF Score™ is 57/100 with 3 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 Bank of Communications (PHS:PBC), the current Cash-to-Debt is 0.63 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 Bank of Communications (PHS:PBC) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Bank of Communications stock appears to be undervalued.
The current stock price of ₱14.80 is trading 26.9% below its estimated GF Value™ of ₱20.26.
GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.
Key valuation signals for PHS:PBC:
Cash-to-Debt: 0.63 (56% below median its 10-year median of 1.44)
GF Value™: ₱20.26 vs. price of ₱14.80 (26.9% below fair value)
Industry Position: 54% below the Banks median (#1051 of 1489)
No single metric tells the full story. See the PHS:PBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Bank of Communications is a banking corporation registered in the Philippines. It is engaged in providing retail and commercial banking services such as savings, deposits, current accounts, cash management, checking, time deposit accounts, and debit cards. It also offers a wide range-of-products and services to clients. These include basic universal banking services such as deposit products, credit and loan facilities, trade-related services, treasury and foreign exchange trading, cash management services, and Trust and Investment Management services. It organizes its business into five segments, namely Branch Banking, Corporate Banking, Treasury, Consumer Finance, and Trust and Wealth Management. The company's revenue consists of interest income, dividends, fees, & commissions.
57GF Score
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