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Philippine Trust CoPHS:PTC 62 Equity-to-Asset is 0.14 as of Mar. 2026, which is at its 10-year median of 0.14. GuruFocus rates PHS:PTC with a GF Score™ of 62/100 and a GF Value™ of ₱100.75 (Modestly Undervalued). Among 1,526 Banks companies, Philippine Trust Co ranks better than 83.36% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Philippine Trust Co's Total Stockholders Equity for the quarter that ended in Mar. 2026 was ₱23,063 Mil. Philippine Trust Co's Total Assets for the quarter that ended in Mar. 2026 was ₱169,522 Mil.
Therefore, Philippine Trust Co's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.14.
The historical rank and industry rank for Philippine Trust Co's Equity-to-Asset or its related term are showing as below:
PHS:PTC'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.12 Med: 0.14 Max: 0.19
Current: 0.14
During the past 13 years, the highest Equity to Asset Ratio of Philippine Trust Co was 0.19. The lowest was 0.12. And the median was 0.14.
PHS:PTC's Equity-to-Asset is ranked better than 83.36% of 1526
companies
in the Banks industry
Industry Median: 0.1
vs PHS:PTC: 0.14
Philippine Trust Co (PHS:PTC) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Philippine Trust Co Equity-to-Asset Related Terms
Philippine Trust Co Equity-to-Asset Historical Data
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The historical data trend for Philippine Trust Co's Equity-to-Asset 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.
Philippine Trust Co Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Philippine Trust Co's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Trust Co Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Trust Co's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Philippine Trust Co's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Philippine Trust Co's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Trust Co (PHS:PTC) has a Equity-to-Asset of 0.14 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Philippine Trust Co and its competitors. This is near median its historical median of 0.14. Over the past decade, Philippine Trust Co's Equity-to-Asset has ranged from 0.12 to 0.19. According to the industry distribution chart, Philippine Trust Co ranks #254 out of 1526 companies in the Banks industry, placing it in the top 16.6%.
Is Philippine Trust Co's Equity-to-Asset too high?
Philippine Trust Co's current Equity-to-Asset of 0.14 is near median its 10-year median of 0.14. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.19. The Banks industry median Equity-to-Asset is 0.10. Philippine Trust Co's value of 0.14 is 40% above this industry median. Based on the distribution chart, Philippine Trust Co ranks #254 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Philippine Trust Co has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Trust Co's Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Philippine Trust Co ranks #254 out of 1526 companies for Equity-to-Asset. This places Philippine Trust Co in the top 17% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Philippine Trust Co's value of 0.14 is 40% above this benchmark. Historically, Philippine Trust Co's own Equity-to-Asset has ranged from 0.12 to 0.19 over the past decade. While the company's 10-year median is 0.14 vs. the industry median of 0.10, Philippine Trust Co 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Trust Co's current Equity-to-Asset of 0.14 is 40% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Philippine Trust Co and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Trust Co's current Equity-to-Asset is 0.14, which is near median its own 10-year median of 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Philippine Trust Co (PHS:PTC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱100.75, compared to a current price of ₱90.00 — trading 10.7% below its estimated fair value. The current Equity-to-Asset is 0.14, which is near median its 10-year median of 0.14 and 40% above the Banks industry median of 0.10. Philippine Trust Co's overall GF Score™ is 62/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Philippine Trust Co (PHS:PTC), the current Equity-to-Asset is 0.14 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 Trust Co (PHS:PTC) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Trust Co stock appears to be undervalued.
The current stock price of ₱90.00 is trading 10.7% below its estimated GF Value™ of ₱100.75.
GuruFocus considers Philippine Trust Co to be Modestly Undervalued.
Key valuation signals for PHS:PTC:
Equity-to-Asset: 0.14 (near median its 10-year median of 0.14)
GF Value™: ₱100.75 vs. price of ₱90.00 (10.7% below fair value)
Industry Position: 40% above the Banks median (#254 of 1526)
No single metric tells the full story. See the PHS:PTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Trust Co is engaged in the commercial banking business. It offers various products and services such as deposit products, loans, international services, treasury, and trust functions. The company also provides investment management, estate administration, escrow services, insurance and pension plans, stock registry, and transfer services. Its services are offered through a network of branch offices and ATMs located across different regions in the Philippines. The company operates in two key business segments: Lending, which generates maximum revenue, and Treasury operations.
62GF Score
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