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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Philippine National Bank's Enterprise Value is ₱81,696 Mil.
Philippine National Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₱-41,131 Mil. Therefore, Philippine National Bank's EV-to-FCF for today is -1.99.
The historical rank and industry rank for Philippine National Bank's EV-to-FCF or its related term are showing as below:
PHS:PNB'
s EV-to-FCF Range Over the Past 10 Years
Min: -8.5 Med: -0.62 Max: 44.35
Current: -1.91
During the past 13 years, the highest EV-to-FCF of Philippine National Bank was 44.35. The lowest was -8.50. And the median was -0.62.
PHS:PNB's EV-to-FCF is ranked worse than 100% of 1197
companies
in the Banks industry
Industry Median: 7.25
vs PHS:PNB: -1.91
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 National Bank (PHS:PNB) 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 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. 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 National Bank EV-to-FCF Related Terms
Philippine National Bank 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.
Philippine National Bank EV-to-FCF Competitor Comparison
For the Banks - Regional subindustry, Philippine National Bank'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 National Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Philippine National Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Philippine National Bank's EV-to-FCF falls into.
Philippine National Bank's current Enterprise Value is ₱81,696 Mil.
Philippine National Bank'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 ₱-41,131 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-FCF of -1.99 as of Aug. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Philippine National Bank and its competitors. According to the industry distribution chart, Philippine National Bank ranks #999999 out of 1197 companies in the Banks industry.
Is Philippine National Bank's EV-to-FCF too high?
Philippine National Bank's current EV-to-FCF is -1.99. Based on the distribution chart, Philippine National Bank ranks #999999 out of 1197 companies in the Banks industry, which is in the bottom quartile 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-FCF compare to competitors?
According to the Banks industry distribution chart, Philippine National Bank ranks #999999 out of 1197 companies for EV-to-FCF. This places Philippine National Bank in the lower half of its industry. The industry median EV-to-FCF is 7.25. 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 7.25, based on 1,197 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. 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 National Bank and its competitors. For the Banks industry, the median EV-to-FCF is 7.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine National Bank's current EV-to-FCF is -1.99. 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-FCF is -1.99. 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-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Philippine National Bank (PHS:PNB), the current EV-to-FCF is -1.99 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-FCF: -1.99
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-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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