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Makati FinancePHS:MFIN 48 Earnings per Share (Diluted) is ₱-0.22 as of Mar. 2026. GuruFocus rates PHS:MFIN with a GF Score™ of 48/100 and a GF Value™ of ₱1.66 (Significantly Overvalued). The stock has 9 warning signs investors should review. Among 432 Credit Services companies, Makati Finance ranks worse than 79.4% on this metric.
Makati Finance's EPS (Basic) for the
three
months ended in Mar. 2026 was ₱-0.24.
Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was ₱-0.22.
During the past 12 months, Makati Finance's average EPS without NRIGrowth Rate was -409.90% per year.
During the past 3 years, the average EPS without NRIGrowth Rate was -13.50% per year.
During the past 5 years, the average EPS without NRIGrowth Rate was 8.30% per year.
During the past 10 years, the average EPS without NRIGrowth Rate was -6.70% per year.
During the past 13 years, Makati Finance's highest 3-Year average EPS without NRI Growth Rate was 59.40% per year. The lowest was -60.10% per year. And the median was 9.40% per year.
Makati Finance (PHS:MFIN) Earnings per Share (Diluted) Explanation
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 EPS without NRI, which better reflects the company's underlying performance.
Be Aware
Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.
If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.
Makati Finance Earnings per Share (Diluted) Related Terms
Makati Finance Earnings per Share (Diluted) Historical Data
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The historical data trend for Makati Finance's Earnings per Share (Diluted) 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.
PHS:MFIN vs V, MA, AXP: Earnings per Share (Diluted) Comparison
For the Credit Services subindustry, Makati Finance's PE Ratio, along with its competitors' market caps and PE Ratio 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.
Makati Finance PE Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Makati Finance's PE Ratio distribution charts can be found below:
* The bar in red indicates where Makati Finance's PE Ratio falls into.
Makati Finance Earnings per Share (Diluted) Calculation
Earnings Per Share (EPS) is the amount of earnings per outstanding share of the company's stock. In calculating earnings per share, the dividends of preferred stocks need to subtracted from the total net income first.
Makati Finance's Earnings Per Share (Diluted) for the fiscal year that ended in Dec. 2025 is calculated as
Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱-0.22
* 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.
Companies also reported diluted shares in their financial reports. Diluted shares include the shares of convertibles or warrants outstanding.
What does a Earnings per Share (Diluted) of ₱-0.22 mean?
Makati Finance (PHS:MFIN) has a Earnings per Share (Diluted) of ₱-0.22 as of Mar. 2026. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Makati Finance and its competitors. According to the industry distribution chart, Makati Finance ranks #343 out of 432 companies in the Credit Services industry, placing it in the top 79.4%.
Is Makati Finance's Earnings per Share (Diluted) too high?
Makati Finance's current Earnings per Share (Diluted) is ₱-0.22. Based on the distribution chart, Makati Finance ranks #343 out of 432 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Makati Finance has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Makati Finance's Earnings per Share (Diluted) compare to V and MA?
According to the Credit Services industry distribution chart, Makati Finance ranks #343 out of 432 companies for Earnings per Share (Diluted). This places Makati Finance in the lower half of its industry. The industry median Earnings per Share (Diluted) is 11.40. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings per Share (Diluted) for a Credit Services company?
The median Earnings per Share (Diluted) among Credit Services companies is 11.40, based on 432 companies in the industry. Companies in the top quartile (top 25%) have a Earnings per Share (Diluted) significantly above this median, while those in the bottom quartile fall well below. However, Earnings per Share (Diluted) 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 Earnings per Share (Diluted) mean?
A high Earnings per Share (Diluted) can signal that a stock is expensive relative to its fundamentals. Diluted EPS equals net earnings divided by average shares outstanding, including dilutive securities. View historical data on Makati Finance and its competitors. For the Credit Services industry, the median Earnings per Share (Diluted) is 11.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Makati Finance's current Earnings per Share (Diluted) is ₱-0.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Makati Finance stock overvalued right now?
Based on GuruFocus' analysis, Makati Finance (PHS:MFIN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱1.66, compared to a current price of ₱2.36 — trading 42.2% above its estimated fair value. The current Earnings per Share (Diluted) is ₱-0.22. Makati Finance's overall GF Score™ is 48/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings per Share (Diluted) calculated?
Earnings per Share (Diluted) is calculated from a company's financial statements. For Makati Finance (PHS:MFIN), the current Earnings per Share (Diluted) is ₱-0.22 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 Makati Finance (PHS:MFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Makati Finance stock appears to be overvalued.
The current stock price of ₱2.36 is trading 42.2% above its estimated GF Value™ of ₱1.66.
GuruFocus considers Makati Finance to be Significantly Overvalued.
Key valuation signals for PHS:MFIN:
Earnings per Share (Diluted): ₱-0.22
GF Value™: ₱1.66 vs. price of ₱2.36 (42.2% above fair value)
No single metric tells the full story. See the PHS:MFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Makati Finance Corp provides financial services and advisory to its clients. It is engaged in stock dealership functions, credit line extensions, and acceptance of private placements. It has expanded its product lines from its traditional Rx Cashline, MFC Factors (receivables financing) Business Loans; Motorcycle Financing to include new financial products lines recently introduced by the company namely: corporate salary loans; personal loans; micro business loans; pension loans; car loans and leisure bikes financing. Its segments include Rx Cashline Group; Business Loans, Motor Vehicles Financing Group, Car Loans, and Other Segments. It derives revenue from Business Loans which grants loans to finance business owners who wish to expand its business or for the purpose of starting capital.
48GF Score
Get the complete analysis for PHS:MFIN
Earnings per Share (Diluted) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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