PHS:PBC'
s EV-to-FCF Range Over the Past 10 Years
Min: -89.71 Med: -0.79 Max: 54.22
Current: 0.97
During the past 13 years, the highest EV-to-FCF of Philippine Bank of Communications was 54.22. The lowest was -89.71. And the median was -0.79.
PHS:PBC's EV-to-FCF is ranked better than 76.78% of 1193
companies
in the Banks industry
Industry Median: 6.52
vs PHS:PBC: 0.97
EV-to-FCF 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 Bank of Communications (PHS:PBC) EV-to-FCF Explanation
EV-to-FCF 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 Bank of Communications's PE Ratio (TTM) for today is calculated as:
Philippine Bank of Communications's share price for today is ₱15.42.
Philippine Bank of Communications'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 ₱5.150.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Philippine Bank of Communications EV-to-FCF Related Terms
Philippine Bank of Communications EV-to-FCF 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.
For the Banks - Regional subindustry, Philippine Bank of Communications's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's EV-to-FCF falls into.
Philippine Bank of Communications's current Enterprise Value is ₱17,566 Mil.
Philippine Bank of Communications's Free Cash Flow 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 ₱18,052 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 Bank of Communications (PHS:PBC) has a EV-to-FCF of 0.97 as of Jun. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Philippine Bank of Communications and its competitors. According to the industry distribution chart, Philippine Bank of Communications ranks #277 out of 1193 companies in the Banks industry, placing it in the top 23.2%.
Is Philippine Bank of Communications' EV-to-FCF too high?
Philippine Bank of Communications' current EV-to-FCF is 0.97. The Banks industry median EV-to-FCF is 6.52. Philippine Bank of Communications' value of 0.97 is 85.1% below this industry median. Based on the distribution chart, Philippine Bank of Communications ranks #277 out of 1193 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Philippine Bank of Communications 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 Bank of Communications' EV-to-FCF compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Bank of Communications ranks #277 out of 1193 companies for EV-to-FCF. This places Philippine Bank of Communications in the top 23% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 6.52. Philippine Bank of Communications' value of 0.97 is 85.1% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Bank of Communications's current EV-to-FCF of 0.97 is 85.1% below 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Philippine Bank of Communications and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Bank of Communications's current EV-to-FCF is 0.97. 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 ₱19.93, compared to a current price of ₱15.42 — trading 22.6% below its estimated fair value. The current EV-to-FCF is 0.97 and 85.1% below the Banks industry median of 6.52. Philippine Bank of Communications' overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Philippine Bank of Communications (PHS:PBC), the current EV-to-FCF is 0.97 as of Jun. 25, 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 ₱15.42 is trading 22.6% below its estimated GF Value™ of ₱19.93.
GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.
Key valuation signals for PHS:PBC:
EV-to-FCF: 0.97
GF Value™: ₱19.93 vs. price of ₱15.42 (22.6% below fair value)
Industry Position: 85.1% below the Banks median (#277 of 1193)
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.
62GF Score
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