A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Philippine Trust Co's Debt-to-Equity or its related term are showing as below:
PHS:PTC'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.01 Max: 0.01
Current: 0.01
During the past 13 years, the highest Debt-to-Equity Ratio of Philippine Trust Co was 0.01. The lowest was 0.01. And the median was 0.01.
PHS:PTC's Debt-to-Equity is ranked better than 99.93% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs PHS:PTC: 0.01
Philippine Trust Co (PHS:PTC) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Philippine Trust Co Debt-to-Equity Related Terms
Philippine Trust Co Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Philippine Trust Co's Debt-to-Equity 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.
Philippine Trust Co Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Philippine Trust Co's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Trust Co Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Trust Co's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Philippine Trust Co's Debt-to-Equity 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 Trust Co (PHS:PTC) has a Debt-to-Equity of 0.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Philippine Trust Co and its competitors. Over the past decade, Philippine Trust Co's Debt-to-Equity has ranged from 0.01 to 0.01. According to the industry distribution chart, Philippine Trust Co ranks #1 out of 1423 companies in the Banks industry, placing it in the top 0.099999999999994%.
Is Philippine Trust Co's Debt-to-Equity too high?
Philippine Trust Co's current Debt-to-Equity is 0.00. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.01. Based on the distribution chart, Philippine Trust Co ranks #1 out of 1423 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Philippine Trust Co has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Trust Co's Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Philippine Trust Co ranks #1 out of 1423 companies for Debt-to-Equity. This places Philippine Trust Co in the top 0% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Historically, Philippine Trust Co's own Debt-to-Equity has ranged from 0.01 to 0.01 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Philippine Trust Co and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Trust Co's current Debt-to-Equity is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Philippine Trust Co (PHS:PTC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱100.69, compared to a current price of ₱90.00 — trading 10.6% below its estimated fair value. The current Debt-to-Equity is 0.00. Philippine Trust Co's overall GF Score™ is 63/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Philippine Trust Co (PHS:PTC), the current Debt-to-Equity is 0.00 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 Trust Co (PHS:PTC) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Trust Co stock appears to be undervalued.
The current stock price of ₱90.00 is trading 10.6% below its estimated GF Value™ of ₱100.69.
GuruFocus considers Philippine Trust Co to be Modestly Undervalued.
Key valuation signals for PHS:PTC:
Debt-to-Equity: 0.00
GF Value™: ₱100.69 vs. price of ₱90.00 (10.6% below fair value)
No single metric tells the full story. See the PHS:PTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Trust Co is engaged in the commercial banking business. It offers various products and services such as deposit products, loans, international services, treasury, and trust functions. The company also provides investment management, estate administration, escrow services, insurance and pension plans, stock registry, and transfer services. Its services are offered through a network of branch offices and ATMs located across different regions in the Philippines. The company operates in two key business segments: Lending, which generates maximum revenue, and Treasury operations.
63GF Score
Get the complete analysis for PHS:PTC
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:PTC has been successfully added to your 
