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National Reinsurance of the PhilippinesPHS:NRCP -1.04%48 3-Year EPS without NRI Growth Rate is 143.70% as of Mar. 2026, which is 362% above its 10-year median of 31.10. GuruFocus rates PHS:NRCP with a GF Score™ of 48/100 and a GF Value™ of ₱0.61 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 400 Insurance companies, National Reinsurance of the Philippines ranks better than 96.75% on this metric.
During the past 12 months, National Reinsurance of the Philippines's average EPS without NRI Growth Rate was 44.90% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 143.70% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 58.40% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 13.10% 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of National Reinsurance of the Philippines was 184.40% per year. The lowest was -74.10% per year. And the median was 31.10% per year.
National Reinsurance of the Philippines (PHS:NRCP) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
National Reinsurance of the Philippines 3-Year EPS without NRI Growth Rate Related Terms
PHS:NRCP vs RGA, EG, RNR: 3-Year EPS without NRI Growth Rate Comparison
For the Insurance - Reinsurance subindustry, National Reinsurance of the Philippines's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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.
National Reinsurance of the Philippines 3-Year EPS without NRI Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, National Reinsurance of the Philippines's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where National Reinsurance of the Philippines's 3-Year EPS without NRI Growth Rate falls into.
National Reinsurance of the Philippines 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 143.70% mean?
National Reinsurance of the Philippines (PHS:NRCP) has a 3-Year EPS without NRI Growth Rate of 143.70% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for National Reinsurance of the Philippines and its competitors. This is 362% above median its historical median of 31.10. According to the industry distribution chart, National Reinsurance of the Philippines ranks #13 out of 400 companies in the Insurance industry, placing it in the top 3.2%.
Is National Reinsurance of the Philippines' 3-Year EPS without NRI Growth Rate too high?
National Reinsurance of the Philippines' current 3-Year EPS without NRI Growth Rate of 143.70% is 362% above median its 10-year median of 31.10. The Insurance industry median 3-Year EPS without NRI Growth Rate is 16.55. National Reinsurance of the Philippines' value of 143.70% is 768.3% above this industry median. Based on the distribution chart, National Reinsurance of the Philippines ranks #13 out of 400 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, National Reinsurance of the Philippines has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Reinsurance of the Philippines' 3-Year EPS without NRI Growth Rate compare to RGA and EG?
According to the Insurance industry distribution chart, National Reinsurance of the Philippines ranks #13 out of 400 companies for 3-Year EPS without NRI Growth Rate. This places National Reinsurance of the Philippines in the top 3% of its industry — outperforming the majority of peers. The industry median 3-Year EPS without NRI Growth Rate is 16.55. National Reinsurance of the Philippines' value of 143.70% is 768.3% above this benchmark. While the company's 10-year median is 31.10 vs. the industry median of 16.55, National Reinsurance of the Philippines 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 3-Year EPS without NRI Growth Rate for an Insurance company?
The median 3-Year EPS without NRI Growth Rate among Insurance companies is 16.55, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. National Reinsurance of the Philippines's current 3-Year EPS without NRI Growth Rate of 143.70% is 768.3% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for National Reinsurance of the Philippines and its competitors. For the Insurance industry, the median 3-Year EPS without NRI Growth Rate is 16.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Reinsurance of the Philippines's current 3-Year EPS without NRI Growth Rate is 143.70%, which is 362% above median its own 10-year median of 31.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Reinsurance of the Philippines stock overvalued right now?
Based on GuruFocus' analysis, National Reinsurance of the Philippines (PHS:NRCP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱0.61, compared to a current price of ₱0.95 — trading 55.7% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 143.70%, which is 362% above median its 10-year median of 31.10 and 768.3% above the Insurance industry median of 16.55. National Reinsurance of the Philippines' overall GF Score™ is 48/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For National Reinsurance of the Philippines (PHS:NRCP), the current 3-Year EPS without NRI Growth Rate is 143.70% 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 National Reinsurance of the Philippines (PHS:NRCP) Overvalued in 2026?
Based on GuruFocus' analysis, National Reinsurance of the Philippines stock appears to be overvalued.
The current stock price of ₱0.95 is trading 55.7% above its estimated GF Value™ of ₱0.61.
GuruFocus considers National Reinsurance of the Philippines to be Significantly Overvalued.
Key valuation signals for PHS:NRCP:
3-Year EPS without NRI Growth Rate: 143.70% (362% above median its 10-year median of 31.10)
GF Value™: ₱0.61 vs. price of ₱0.95 (55.7% above fair value)
Industry Position: 768.3% above the Insurance median (#13 of 400)
No single metric tells the full story. See the PHS:NRCP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Reinsurance Corp of the Philippines engages in the provision of reinsurance products and services. It operates through the following businesses: life and non-life. The Life Business includes proportional insurance for individual, ordinary, and group businesses, as well as non-proportional insurance for catastrophe, an excess of loss, and stop loss. Non-Life Business provides insurance on fire, aviation, marine and aviation, casualty, motor, and others.
48GF Score
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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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