The historical rank and industry rank for Philippine Bank of Communications's FCF Margin % or its related term are showing as below:
PHS:PBC'
s FCF Margin % Range Over the Past 10 Years
Min: -217.6 Med: -0.69 Max: 264.79
Current: 220.97
During the past 13 years, the highest FCF Margin % of Philippine Bank of Communications was 264.79%. The lowest was -217.60%. And the median was -0.69%.
PHS:PBC's FCF Margin % is ranked better than 94.61% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs PHS:PBC: 220.97
Philippine Bank of Communications FCF Margin % Related Terms
Philippine Bank of Communications FCF Margin % 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 Bank of Communications FCF Margin % Chart
For the Banks - Regional subindustry, Philippine Bank of Communications's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's FCF Margin % falls into.
* 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 FCF Margin % of 317.33% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Philippine Bank of Communications and its competitors. According to the industry distribution chart, Philippine Bank of Communications ranks #81 out of 1504 companies in the Banks industry, placing it in the top 5.4%.
Is Philippine Bank of Communications' FCF Margin % too high?
Philippine Bank of Communications' current FCF Margin % is 317.33%. The Banks industry median FCF Margin % is 26.50. Philippine Bank of Communications' value of 317.33% is 1097.5% above this industry median. Based on the distribution chart, Philippine Bank of Communications ranks #81 out of 1504 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' FCF Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Bank of Communications ranks #81 out of 1504 companies for FCF Margin %. This places Philippine Bank of Communications in the top 5% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.50. Philippine Bank of Communications' value of 317.33% is 1097.5% 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Bank of Communications's current FCF Margin % of 317.33% is 1097.5% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Philippine Bank of Communications and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Bank of Communications's current FCF Margin % is 317.33%. 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 FCF Margin % is 317.33% and 1097.5% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Philippine Bank of Communications (PHS:PBC), the current FCF Margin % is 317.33% 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 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:
FCF Margin %: 317.33%
GF Value™: ₱19.93 vs. price of ₱15.42 (22.6% below fair value)
Industry Position: 1097.5% above the Banks median (#81 of 1504)
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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