Rizal Commercial BankingPHS:RCB -0.42%81 FCF Yield % is 16.38 as of Jul. 03, 2026, which is 6% below its 10-year median of 17.34. GuruFocus rates PHS:RCB with a GF Score™ of 81/100 and a GF Value™ of ₱29.69 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,505 Banks companies, Rizal Commercial Banking ranks better than 73.62% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Rizal Commercial Banking FCF Yield % Related Terms
Rizal Commercial Banking FCF Yield % 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 FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Rizal Commercial Banking's FCF Yield % 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.
Rizal Commercial Banking (PHS:RCB) has a FCF Yield % of 16.38 as of Jul. 03, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Rizal Commercial Banking and its competitors. This is near median its historical median of 17.34. According to the industry distribution chart, Rizal Commercial Banking ranks #397 out of 1505 companies in the Banks industry, placing it in the top 26.4%.
Is Rizal Commercial Banking's FCF Yield % too high?
Rizal Commercial Banking's current FCF Yield % of 16.38 is near median its 10-year median of 17.34. The Banks industry median FCF Yield % is 8.15. Rizal Commercial Banking's value of 16.38 is 101% above this industry median. Based on the distribution chart, Rizal Commercial Banking ranks #397 out of 1505 companies in the Banks industry, which is above 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 FCF Yield % compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #397 out of 1505 companies for FCF Yield %. This puts Rizal Commercial Banking in the upper half of its industry. The industry median FCF Yield % is 8.15. Rizal Commercial Banking's value of 16.38 is 101% above this benchmark. While the company's 10-year median is 17.34 vs. the industry median of 8.15, Rizal Commercial Banking 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.15, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rizal Commercial Banking's current FCF Yield % of 16.38 is 101% 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 Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Rizal Commercial Banking and its competitors. For the Banks industry, the median FCF Yield % is 8.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rizal Commercial Banking's current FCF Yield % is 16.38, which is near median its own 10-year median of 17.34. 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 FCF Yield % is 16.38, which is near median its 10-year median of 17.34 and 101% above the Banks industry median of 8.15. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Rizal Commercial Banking (PHS:RCB), the current FCF Yield % is 16.38 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:
FCF Yield %: 16.38 (near median its 10-year median of 17.34)
GF Value™: ₱29.69 vs. price of ₱23.50 (20.8% below fair value)
Industry Position: 101% above the Banks median (#397 of 1505)
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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