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Philippine National BankPHS:PNB -0.19%72 Cash-to-Debt is 2.61 as of Jun. 2026, which is 26% above its 10-year median of 2.07. GuruFocus rates PHS:PNB with a GF Score™ of 72/100 and a GF Value™ of ₱35.64 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,490 Banks companies, Philippine National Bank ranks better than 64.3% 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 National Bank's cash to debt ratio for the quarter that ended in Jun. 2026 was 2.61.
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 National 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 National Bank's Cash-to-Debt or its related term are showing as below:
PHS:PNB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.96 Med: 2.07 Max: 4.88
Current: 2.61
During the past 13 years, Philippine National Bank's highest Cash to Debt Ratio was 4.88. The lowest was 0.96. And the median was 2.07.
PHS:PNB's Cash-to-Debt is ranked better than 64.3% of 1490
companies
in the Banks industry
Industry Median: 1.38
vs PHS:PNB: 2.61
Philippine National Bank (PHS:PNB) 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 National Bank Cash-to-Debt Related Terms
Philippine National 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.
Philippine National Bank Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Philippine National 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 National Bank Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Philippine National Bank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Philippine National 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 National Bank (PHS:PNB) has a Cash-to-Debt of 2.61 as of Jun. 2026. This is 26% above median its historical median of 2.07. Over the past decade, Philippine National Bank's Cash-to-Debt has ranged from 0.96 to 4.88. According to the industry distribution chart, Philippine National Bank ranks #532 out of 1490 companies in the Banks industry, placing it in the top 35.7%.
Is Philippine National Bank's Cash-to-Debt too high?
Philippine National Bank's current Cash-to-Debt of 2.61 is 26% above median its 10-year median of 2.07. Over the past 10 years, this metric has ranged from a low of 0.96 to a high of 4.88. The Banks industry median Cash-to-Debt is 1.38. Philippine National Bank's value of 2.61 is 89.1% above this industry median. Based on the distribution chart, Philippine National Bank ranks #532 out of 1490 companies in the Banks industry, which is above the industry midpoint. Overall, Philippine National Bank has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Philippine National Bank's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Philippine National Bank ranks #532 out of 1490 companies for Cash-to-Debt. This puts Philippine National Bank in the upper half of its industry. The industry median Cash-to-Debt is 1.38. Philippine National Bank's value of 2.61 is 89.1% above this benchmark. Historically, Philippine National Bank's own Cash-to-Debt has ranged from 0.96 to 4.88 over the past decade. While the company's 10-year median is 2.07 vs. the industry median of 1.38, Philippine National 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 1,490 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 National Bank's current Cash-to-Debt of 2.61 is 89.1% 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 National Bank's current Cash-to-Debt is 2.61, which is 26% above median its own 10-year median of 2.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine National Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippine National Bank (PHS:PNB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱35.64, compared to a current price of ₱77.85 — trading 118.4% above its estimated fair value. The current Cash-to-Debt is 2.61, which is 26% above median its 10-year median of 2.07 and 89.1% above the Banks industry median of 1.38. Philippine National Bank's overall GF Score™ is 72/100 with 6 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 National Bank (PHS:PNB), the current Cash-to-Debt is 2.61 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 National Bank (PHS:PNB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine National Bank stock appears to be overvalued.
The current stock price of ₱77.85 is trading 118.4% above its estimated GF Value™ of ₱35.64.
GuruFocus considers Philippine National Bank to be Significantly Overvalued.
Key valuation signals for PHS:PNB:
Cash-to-Debt: 2.61 (26% above median its 10-year median of 2.07)
GF Value™: ₱35.64 vs. price of ₱77.85 (118.4% above fair value)
Industry Position: 89.1% above the Banks median (#532 of 1490)
No single metric tells the full story. See the PHS:PNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine National Bank provides a full range of banking and other financial services, which include deposit-taking, lending, bills discounting, trade finance, foreign exchange dealings, treasury operations, wealth management, fund transfers, remittance and trust services. Business segments are Retail Banking which principally handling individual customers deposits, and providing consumer type loans; Corporate Banking which principally handling loans and other credit facilities and deposit; Treasury which principally providing money market, treasury services; Other Segments. The company generates majority of interest from Retail Banking. It has presence in Philippines, Asia (excluding Philippines), USA and Canada, United Kingdom of which majority of revenue comes from Philippines.
72GF Score
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