EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Rizal Commercial Banking's Enterprise Value is ₱105,542 Mil.
Rizal Commercial Banking's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₱9,311 Mil. Therefore, Rizal Commercial Banking's EV-to-FCF for today is 11.34.
The historical rank and industry rank for Rizal Commercial Banking's EV-to-FCF or its related term are showing as below:
PHS:RCB'
s EV-to-FCF Range Over the Past 10 Years
Min: -606.61 Med: -0.09 Max: 15.8
Current: 11.34
During the past 13 years, the highest EV-to-FCF of Rizal Commercial Banking was 15.80. The lowest was -606.61. And the median was -0.09.
PHS:RCB's EV-to-FCF is ranked worse than 66.39% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs PHS:RCB: 11.34
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.
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.
Rizal Commercial Banking's PE Ratio (TTM) for today is calculated as:
Rizal Commercial Banking's share price for today is ₱23.50.
Rizal Commercial Banking'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 ₱5.247.
* 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.
Rizal Commercial Banking EV-to-FCF Related Terms
Rizal Commercial Banking 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, Rizal Commercial Banking'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.
Rizal Commercial Banking EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Rizal Commercial Banking's EV-to-FCF falls into.
Rizal Commercial Banking's current Enterprise Value is ₱105,542 Mil.
Rizal Commercial Banking'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 ₱9,311 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.
Rizal Commercial Banking (PHS:RCB) has a EV-to-FCF of 11.34 as of Jul. 03, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Rizal Commercial Banking and its competitors. According to the industry distribution chart, Rizal Commercial Banking ranks #792 out of 1193 companies in the Banks industry, placing it in the top 66.4%.
Is Rizal Commercial Banking's EV-to-FCF too high?
Rizal Commercial Banking's current EV-to-FCF is 11.34. The Banks industry median EV-to-FCF is 6.61. Rizal Commercial Banking's value of 11.34 is 71.6% above this industry median. Based on the distribution chart, Rizal Commercial Banking ranks #792 out of 1193 companies in the Banks industry, which is below the industry midpoint. Overall, Rizal Commercial Banking has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #792 out of 1193 companies for EV-to-FCF. This places Rizal Commercial Banking in the lower half of its industry. The industry median EV-to-FCF is 6.61. Rizal Commercial Banking's value of 11.34 is 71.6% above 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 6.61, 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. Rizal Commercial Banking's current EV-to-FCF of 11.34 is 71.6% 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 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 Rizal Commercial Banking and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rizal Commercial Banking's current EV-to-FCF is 11.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rizal Commercial Banking stock overvalued right now?
Based on GuruFocus' analysis, Rizal Commercial Banking (PHS:RCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱29.69, compared to a current price of ₱23.50 — trading 20.8% below its estimated fair value. The current EV-to-FCF is 11.34 and 71.6% above the Banks industry median of 6.61. Rizal Commercial Banking's overall GF Score™ is 81/100 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 Rizal Commercial Banking (PHS:RCB), the current EV-to-FCF is 11.34 as of Jul. 03, 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 Rizal Commercial Banking (PHS:RCB) Overvalued in 2026?
Based on GuruFocus' analysis, Rizal Commercial Banking stock appears to be undervalued.
The current stock price of ₱23.50 is trading 20.8% below its estimated GF Value™ of ₱29.69.
GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.
Key valuation signals for PHS:RCB:
EV-to-FCF: 11.34
GF Value™: ₱29.69 vs. price of ₱23.50 (20.8% below fair value)
Industry Position: 71.6% above the Banks median (#792 of 1193)
No single metric tells the full story. See the PHS:RCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Rizal Commercial Banking Corporation is a bank. The company provides banking and financial products and services to its customers in the Philippines but also in Asia, Europe, and the United States. The bank operates in the below segments: Retail, Corporate, Small and Medium enterprises, Treasury, and Others. Of these segments, the contributor to revenue is the retail banking function, followed by corporate banking. Services provided to clients include checking and savings accounts, deposits, credit cards, consumer and commercial loans, money market and trading services, investment banking, foreign exchange, wealth management, economic and investment research, syndicated loans, and wholesale lending.
81GF Score
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