* 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 Bank of Communications Effective Interest Rate on Debt % Chart
PHS:PBC vs PNC, USB: Effective Interest Rate on Debt % Comparison
For the Banks - Regional subindustry, Philippine Bank of Communications'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.
Philippine Bank of Communications Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's Effective Interest Rate on Debt % 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.
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 16.56% mean?
Philippine Bank of Communications (PHS:PBC) has a Effective Interest Rate on Debt % of 16.56% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Philippine Bank of Communications and its competitors.
Is Philippine Bank of Communications' Effective Interest Rate on Debt % too high?
Philippine Bank of Communications' current Effective Interest Rate on Debt % is 16.56%. Overall, Philippine Bank of Communications has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Bank of Communications' Effective Interest Rate on Debt % compare to PNC and USB?
Philippine Bank of Communications' Effective Interest Rate on Debt % of 16.56% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks 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 Philippine Bank of Communications and its competitors. Philippine Bank of Communications's current Effective Interest Rate on Debt % is 16.56%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Bank of Communications stock overvalued right now?
Based on GuruFocus' analysis, Philippine Bank of Communications (PHS:PBC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱19.98, compared to a current price of ₱15.84 — trading 20.7% below its estimated fair value. The current Effective Interest Rate on Debt % is 16.56%. Philippine Bank of Communications' overall GF Score™ is 70/100 with 3 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 Philippine Bank of Communications (PHS:PBC), the current Effective Interest Rate on Debt % is 16.56% 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 Bank of Communications (PHS:PBC) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Bank of Communications stock appears to be undervalued.
The current stock price of ₱15.84 is trading 20.7% below its estimated GF Value™ of ₱19.98.
GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.
Key valuation signals for PHS:PBC:
Effective Interest Rate on Debt %: 16.56%
GF Value™: ₱19.98 vs. price of ₱15.84 (20.7% below fair value)
No single metric tells the full story. See the PHS:PBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Bank of Communications Business Description
Philippine Bank of Communications is a banking corporation registered in the Philippines. It is engaged in providing retail and commercial banking services such as savings, deposits, current accounts, cash management, checking, time deposit accounts, and debit cards. It also offers a wide range-of-products and services to clients. These include basic universal banking services such as deposit products, credit and loan facilities, trade-related services, treasury and foreign exchange trading, cash management services, and Trust and Investment Management services. It organizes its business into five segments, namely Branch Banking, Corporate Banking, Treasury, Consumer Finance, and Trust and Wealth Management. The company's revenue consists of interest income, dividends, fees, & commissions.
70GF Score
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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