First Philippine Holdings (PHS:FPH) Effective Interest Rate on Debt %: 6.29% (As of Mar. 2026)


PHS:FPH First Philippine Holdings Corp PHS:FPH
55 GF Score
Price ₱82.00
GF Value ₱58.30
Valuation Significantly Overvalued
! 8 Warning Signs
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What is First Philippine Holdings Effective Interest Rate on Debt %?

First Philippine Holdings PHS:FPH +2.50% 55 Effective Interest Rate on Debt % is 6.29% as of Mar. 2026. GuruFocus rates PHS:FPH with a GF Score™ of 55/100 and a GF Value™ of ₱58.30 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. First Philippine Holdings's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ₱11,100 Mil. First Philippine Holdings's average total debt for the quarter that ended in Mar. 2026 was ₱176,537 Mil. Therefore, First Philippine Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 6.29%.


First Philippine Holdings  (PHS:FPH) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


First Philippine Holdings Effective Interest Rate on Debt % Related Terms


First Philippine Holdings Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for First Philippine Holdings's Effective Interest Rate on Debt % 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.

First Philippine Holdings Effective Interest Rate on Debt % Chart

First Philippine Holdings Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.12 4.59 4.11 4.64 5.03

First Philippine Holdings Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % 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 5.20 5.91 6.52 2.45 6.29

PHS:FPH vs NEE, SO, DUK: Effective Interest Rate on Debt % Comparison

For the Utilities - Regulated Electric subindustry, First Philippine Holdings's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % 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.


First Philippine Holdings Effective Interest Rate on Debt % vs Utilities - Regulated Industry

For the Utilities - Regulated industry and Utilities sector, First Philippine Holdings's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where First Philippine Holdings's Effective Interest Rate on Debt % falls into.


PHS:FPH
55GF Score
First Philippine Holdings Corp PHS:FPH
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Philippine Holdings Effective Interest Rate on Debt % Calculation

First Philippine Holdings's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -8864/( (172814+179733)/ 2 )
=-1  *  -8864/176273.5
=5.03 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=143087 + 29727
=172814

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=152918 + 26815
=179733

First Philippine Holdings's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -11100/( (179733+173340)/ 2 )
=-1  *  -11100/176536.5
=6.29 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=152918 + 26815
=179733

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=144311 + 29029
=173340

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 6.29% mean?
First Philippine Holdings (PHS:FPH) has a Effective Interest Rate on Debt % of 6.29% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on First Philippine Holdings and its competitors.
Is First Philippine Holdings' Effective Interest Rate on Debt % too high?
First Philippine Holdings' current Effective Interest Rate on Debt % is 6.29%. Overall, First Philippine Holdings has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Philippine Holdings' Effective Interest Rate on Debt % compare to NEE and SO?
First Philippine Holdings' Effective Interest Rate on Debt % of 6.29% can be compared against companies in the Utilities - Regulated industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for an Utilities - Regulated company?
A good Effective Interest Rate on Debt % depends on the Utilities - Regulated industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on First Philippine Holdings and its competitors. First Philippine Holdings's current Effective Interest Rate on Debt % is 6.29%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Philippine Holdings stock overvalued right now?
Based on GuruFocus' analysis, First Philippine Holdings (PHS:FPH) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱58.30, compared to a current price of ₱82.00 — trading 40.7% above its estimated fair value. The current Effective Interest Rate on Debt % is 6.29%. First Philippine Holdings' overall GF Score™ is 55/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For First Philippine Holdings (PHS:FPH), the current Effective Interest Rate on Debt % is 6.29% 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 First Philippine Holdings (PHS:FPH) Overvalued in 2026?

Based on GuruFocus' analysis, First Philippine Holdings stock appears to be overvalued. The current stock price of ₱82.00 is trading 40.7% above its estimated GF Value™ of ₱58.30. GuruFocus considers First Philippine Holdings to be Significantly Overvalued.

Key valuation signals for PHS:FPH:

  • Effective Interest Rate on Debt %: 6.29%
  • GF Value™: ₱58.30 vs. price of ₱82.00 (40.7% above fair value)
  • GF Score™: 55/100 with 8 warning signs

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


First Philippine Holdings Business Description

Other Exchanges FPHPC.PFD:Philippines
Address Ortigas Avenue, Rockwell Business Center, 6th Floor, Tower 3, Pasig City, PHL, 1604
First Philippine Holdings Corporation are engaged mainly in, but not limited to, power generation, real estate development, energy solutions, construction and other service industries. The company's segments its activities into Power Generation, Real Estate Development, Energy Solutions, Construction, and other services. The majority of revenue comes from Power Generation segment. The Power generation has one geographical segment. Real Estate Development has presence in National Capital Region, Central Luzon, Southern Luzon, Central Visayas, Western Visayas of which majority of revenue comes from National capital region.
55GF Score

Get the complete analysis for PHS:FPH

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱82.00
Price
₱58.30
GF Value