Rizal Commercial Banking (PHS:RCB) Cyclically Adjusted FCF per Share: ₱18.17 (As of Jun. 2026)

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PHS:RCB Rizal Commercial Banking Corp PHS:RCB
74 GF Score
Price ₱23.00
GF Value ₱30.01
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Rizal Commercial Banking Cyclically Adjusted FCF per Share?

Rizal Commercial Banking PHS:RCB 74 Cyclically Adjusted FCF per Share is ₱18.17 as of Jun. 2026. GuruFocus rates PHS:RCB with a GF Score™ of 74/100 and a GF Value™ of ₱30.01 (Modestly Undervalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Rizal Commercial Banking's adjusted free cash flow per share for the three months ended in Jun. 2026 was ₱-2.867. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ₱18.17 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Rizal Commercial Banking's average Cyclically Adjusted FCF Growth Rate was 30.60% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was -6.30% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 23.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Rizal Commercial Banking was 75.30% per year. The lowest was -6.30% per year. And the median was 19.20% per year.

As of today (2026-08-17), Rizal Commercial Banking's current stock price is ₱23.00. Rizal Commercial Banking's Cyclically Adjusted FCF per Share for the quarter that ended in Jun. 2026 was ₱18.17. Rizal Commercial Banking's Cyclically Adjusted Price-to-FCF of today is 1.27.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Rizal Commercial Banking was 9.88. The lowest was 1.13. And the median was 2.31.


Rizal Commercial Banking  (PHS:RCB) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Rizal Commercial Banking's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=23.00/18.17
=1.27

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Rizal Commercial Banking was 9.88. The lowest was 1.13. And the median was 2.31.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Rizal Commercial Banking Cyclically Adjusted FCF per Share Related Terms


Rizal Commercial Banking Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Rizal Commercial Banking's Cyclically Adjusted FCF per Share 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.

Rizal Commercial Banking Cyclically Adjusted FCF per Share Chart

Rizal Commercial Banking Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.36 17.66 17.54 16.46 14.54

Rizal Commercial Banking Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 13.91 13.09 14.54 17.69 18.17

Rizal Commercial Banking Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, Rizal Commercial Banking's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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.


Rizal Commercial Banking Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Rizal Commercial Banking's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Rizal Commercial Banking's Cyclically Adjusted Price-to-FCF falls into.


PHS:RCB
74GF Score
Rizal Commercial Banking Corp PHS:RCB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Rizal Commercial Banking Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Rizal Commercial Banking's adjusted Free Cash Flow per Share data for the three months ended in Jun. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=-2.867/333.9520*333.9520
=-2.867

Current CPI (Jun. 2026) = 333.9520.

Rizal Commercial Banking Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201609 15.885 241.428 21.973
201612 1.984 241.432 2.744
201703 11.720 243.801 16.054
201706 5.079 244.955 6.924
201709 -13.335 246.819 -18.043
201712 -0.906 246.524 -1.227
201803 -5.188 249.554 -6.943
201806 9.431 251.989 12.499
201809 -2.694 252.439 -3.564
201812 -5.540 251.233 -7.364
201903 -2.210 254.202 -2.903
201906 -3.023 256.143 -3.941
201909 -7.401 256.759 -9.626
201912 9.252 256.974 12.023
202003 6.274 258.115 8.117
202006 12.210 257.797 15.817
202009 -2.550 260.280 -3.272
202012 15.155 260.474 19.430
202103 1.616 264.877 2.037
202106 18.694 271.696 22.978
202109 1.972 274.310 2.401
202112 13.323 278.802 15.958
202203 3.571 287.504 4.148
202206 33.707 296.311 37.989
202209 20.982 296.808 23.608
202212 23.232 296.797 26.140
202303 -2.961 301.836 -3.276
202306 9.978 305.109 10.921
202309 -14.782 307.789 -16.039
202312 14.558 306.746 15.849
202403 -4.195 312.332 -4.485
202406 -7.890 314.175 -8.387
202409 5.610 315.301 5.942
202412 8.862 315.605 9.377
202503 -22.184 319.799 -23.166
202506 -10.139 322.561 -10.497
202509 -8.843 324.800 -9.092
202512 19.507 324.054 20.103
202603 3.309 330.213 3.346
202606 -2.867 333.952 -2.867

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ₱18.17 mean?
Rizal Commercial Banking (PHS:RCB) has a Cyclically Adjusted FCF per Share of ₱18.17 as of Jun. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Rizal Commercial Banking and its competitors.
Is Rizal Commercial Banking's Cyclically Adjusted FCF per Share too high?
Rizal Commercial Banking's current Cyclically Adjusted FCF per Share is ₱18.17. Overall, Rizal Commercial Banking has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's Cyclically Adjusted FCF per Share compare to competitors?
Rizal Commercial Banking's Cyclically Adjusted FCF per Share of ₱18.17 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Rizal Commercial Banking and its competitors. Rizal Commercial Banking's current Cyclically Adjusted FCF per Share is ₱18.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rizal Commercial Banking stock overvalued right now?
Based on GuruFocus' analysis, Rizal Commercial Banking (PHS:RCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱30.01, compared to a current price of ₱23.00 — trading 23.4% below its estimated fair value. The current Cyclically Adjusted FCF per Share is ₱18.17. Rizal Commercial Banking's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Rizal Commercial Banking (PHS:RCB), the current Cyclically Adjusted FCF per Share is ₱18.17 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 Rizal Commercial Banking (PHS:RCB) Overvalued in 2026?

Based on GuruFocus' analysis, Rizal Commercial Banking stock appears to be undervalued. The current stock price of ₱23.00 is trading 23.4% below its estimated GF Value™ of ₱30.01. GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.

Key valuation signals for PHS:RCB:

  • Cyclically Adjusted FCF per Share: ₱18.17
  • GF Value™: ₱30.01 vs. price of ₱23.00 (23.4% below fair value)
  • GF Score™: 74/100 with 3 warning signs

No single metric tells the full story. See the PHS:RCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Rizal Commercial Banking Business Description

Address 6819 Ayala Avenue, Yuchengco Tower, RCBC Plaza, Makati, PHL, 1200
Rizal Commercial Banking Corporation is a bank. The company provides banking and financial products and services to its customers in the Philippines but also in Asia, Europe, and the United States. The bank operates in the below segments: Retail, Corporate, Small and Medium enterprises, Treasury, and Others. Of these segments, the contributor to revenue is the retail banking function, followed by corporate banking. Services provided to clients include checking and savings accounts, deposits, credit cards, consumer and commercial loans, money market and trading services, investment banking, foreign exchange, wealth management, economic and investment research, syndicated loans, and wholesale lending.
74GF Score

Get the complete analysis for PHS:RCB

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱23.00
Price
₱30.01
GF Value