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* 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 Debt-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Philippine National Bank's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Philippine National Bank's Debt-to-Asset distribution charts can be found below:
* The bar in red indicates where Philippine National Bank's Debt-to-Asset 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 Debt-to-Asset of 0.03 as of Jun. 2026. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Philippine National Bank and its competitors.
Is Philippine National Bank's Debt-to-Asset too high?
Philippine National Bank's current Debt-to-Asset is 0.03. Overall, Philippine National Bank has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Philippine National Bank's Debt-to-Asset compare to competitors?
Philippine National Bank's Debt-to-Asset of 0.03 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Philippine National Bank and its competitors. Philippine National Bank's current Debt-to-Asset is 0.03. 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 ₱35.49, compared to a current price of ₱66.25 — trading 86.7% above its estimated fair value. The current Debt-to-Asset is 0.03. Philippine National Bank's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Philippine National Bank (PHS:PNB), the current Debt-to-Asset is 0.03 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 ₱66.25 is trading 86.7% above its estimated GF Value™ of ₱35.49.
GuruFocus considers Philippine National Bank to be Significantly Overvalued.
Key valuation signals for PHS:PNB:
Debt-to-Asset: 0.03
GF Value™: ₱35.49 vs. price of ₱66.25 (86.7% above fair value)
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.
71GF Score
Get the complete analysis for PHS:PNB
Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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