Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
The historical rank and industry rank for Philippine National Bank's EV-to-OCF or its related term are showing as below:
PHS:PNB'
s EV-to-OCF Range Over the Past 10 Years
Min: -158.19 Med: -0.64 Max: 18.4
Current: -2.03
During the past 13 years, the highest EV-to-OCF of Philippine National Bank was 18.40. The lowest was -158.19. And the median was -0.64.
PHS:PNB's EV-to-OCF is ranked better than 78.92% of 1499
companies
in the Banks industry
Industry Median: 3.99
vs PHS:PNB: -2.03
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Philippine National Bank (PHS:PNB) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Philippine National Bank's PE Ratio (TTM) for today is calculated as:
Philippine National Bank's share price for today is ₱62.60.
Philippine National Bank's 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 ₱16.730.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Philippine National Bank EV-to-OCF Related Terms
Philippine National Bank EV-to-OCF Historical Data
* 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 National Bank EV-to-OCF Competitor Comparison
For the Banks - Regional subindustry, Philippine National Bank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 National Bank EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Philippine National Bank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Philippine National Bank's EV-to-OCF falls into.
Philippine National Bank's current Enterprise Value is ₱81,696 Mil.
Philippine National Bank's Cash Flow from Operations 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 ₱-38,701 Mil.
* 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 National Bank (PHS:PNB) has a EV-to-OCF of -2.11 as of Aug. 04, 2026. According to the industry distribution chart, Philippine National Bank ranks #316 out of 1499 companies in the Banks industry, placing it in the top 21.1%.
Is Philippine National Bank's EV-to-OCF too high?
Philippine National Bank's current EV-to-OCF is -2.11. Based on the distribution chart, Philippine National Bank ranks #316 out of 1499 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Philippine National Bank has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Philippine National Bank's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Philippine National Bank ranks #316 out of 1499 companies for EV-to-OCF. This places Philippine National Bank in the top 21% of its industry — outperforming the majority of peers. The industry median EV-to-OCF is 3.99. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.99, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine National Bank's current EV-to-OCF is -2.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine National Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippine National Bank (PHS:PNB) is currently considered Significantly Overvalued. The stock's GF Value™ is ₱32.09, compared to a current price of ₱62.60 — trading 95.1% above its estimated fair value. The current EV-to-OCF is -2.11. Philippine National Bank's overall GF Score™ is 73/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Philippine National Bank (PHS:PNB), the current EV-to-OCF is -2.11 as of Aug. 04, 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 National Bank (PHS:PNB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine National Bank stock appears to be overvalued.
The current stock price of ₱62.60 is trading 95.1% above its estimated GF Value™ of ₱32.09.
GuruFocus considers Philippine National Bank to be Significantly Overvalued.
Key valuation signals for PHS:PNB:
EV-to-OCF: -2.11
GF Value™: ₱32.09 vs. price of ₱62.60 (95.1% above fair value)
No single metric tells the full story. See the PHS:PNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine National Bank provides a full range of banking and other financial services, which include deposit-taking, lending, bills discounting, trade finance, foreign exchange dealings, treasury operations, wealth management, fund transfers, remittance and trust services. Business segments are Retail Banking which principally handling individual customers deposits, and providing consumer type loans; Corporate Banking which principally handling loans and other credit facilities and deposit; Treasury which principally providing money market, treasury services; Other Segments. The company generates majority of interest from Retail Banking. It has presence in Philippines, Asia (excluding Philippines), USA and Canada, United Kingdom of which majority of revenue comes from Philippines.
73GF Score
Get the complete analysis for PHS:PNB
EV-to-OCF 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:PNB has been successfully added to your 
