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Philippinevings BankPHS:PSB -0.57%57 Cash-to-Debt is 0.57 as of Mar. 2026, which is 87% below its 10-year median of 4.51. GuruFocus rates PHS:PSB with a GF Score™ of 57/100 and a GF Value™ of ₱59.76 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,489 Banks companies, Philippinevings Bank ranks worse than 72.87% 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. Philippinevings Bank's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.57.
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, Philippinevings Bankcouldn'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 Philippinevings Bank's Cash-to-Debt or its related term are showing as below:
PHS:PSB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.56 Med: 4.51 Max: 33.9
Current: 0.57
During the past 13 years, Philippinevings Bank's highest Cash to Debt Ratio was 33.90. The lowest was 0.56. And the median was 4.51.
PHS:PSB's Cash-to-Debt is ranked worse than 72.87% of 1489
companies
in the Banks industry
Industry Median: 1.37
vs PHS:PSB: 0.57
Philippinevings Bank (PHS:PSB) 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.
Philippinevings Bank Cash-to-Debt Related Terms
Philippinevings Bank Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Philippinevings Bank's Cash-to-Debt 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.
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.
Philippinevings Bank Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Philippinevings 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.
Philippinevings Bank Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Philippinevings Bank's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Philippinevings 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.
Philippinevings Bank (PHS:PSB) has a Cash-to-Debt of 0.57 as of Mar. 2026. This is 87% below median its historical median of 4.51. Over the past decade, Philippinevings Bank's Cash-to-Debt has ranged from 0.56 to 33.90. According to the industry distribution chart, Philippinevings Bank ranks #1085 out of 1489 companies in the Banks industry, placing it in the top 72.9%.
Is Philippinevings Bank's Cash-to-Debt too high?
Philippinevings Bank's current Cash-to-Debt of 0.57 is 87% below median its 10-year median of 4.51. Over the past 10 years, this metric has ranged from a low of 0.56 to a high of 33.90. The Banks industry median Cash-to-Debt is 1.37. Philippinevings Bank's value of 0.57 is 58.4% below this industry median. Based on the distribution chart, Philippinevings Bank ranks #1085 out of 1489 companies in the Banks industry, which is below the industry midpoint. Overall, Philippinevings Bank has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippinevings Bank's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Philippinevings Bank ranks #1085 out of 1489 companies for Cash-to-Debt. This places Philippinevings Bank in the lower half of its industry. The industry median Cash-to-Debt is 1.37. Philippinevings Bank's value of 0.57 is 58.4% below this benchmark. Historically, Philippinevings Bank's own Cash-to-Debt has ranged from 0.56 to 33.90 over the past decade. While the company's 10-year median is 4.51 vs. the industry median of 1.37, Philippinevings Bank 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. Philippinevings Bank's current Cash-to-Debt of 0.57 is 58.4% 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. Philippinevings Bank's current Cash-to-Debt is 0.57, which is 87% below median its own 10-year median of 4.51. 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 ₱59.76, compared to a current price of ₱52.50 — trading 12.1% below its estimated fair value. The current Cash-to-Debt is 0.57, which is 87% below median its 10-year median of 4.51 and 58.4% below the Banks industry median of 1.37. Philippinevings Bank's overall GF Score™ is 57/100 with 1 warning sign 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 Philippinevings Bank (PHS:PSB), the current Cash-to-Debt is 0.57 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 Philippinevings Bank (PHS:PSB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippinevings Bank stock appears to be undervalued.
The current stock price of ₱52.50 is trading 12.1% below its estimated GF Value™ of ₱59.76.
GuruFocus considers Philippinevings Bank to be Modestly Undervalued.
Key valuation signals for PHS:PSB:
Cash-to-Debt: 0.57 (87% below median its 10-year median of 4.51)
GF Value™: ₱59.76 vs. price of ₱52.50 (12.1% below fair value)
Industry Position: 58.4% below the Banks median (#1085 of 1489)
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.
57GF Score
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