PLDTPHS:TEL +3.01%86 Interest Coverage is 3.39 as of Mar. 2026, which is 1% below its 10-year median of 3.44. GuruFocus rates PHS:TEL with a GF Score™ of 86/100 and a GF Value™ of ₱1,346.00 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 286 Telecommunication Services companies, PLDT ranks worse than 65.03% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. PLDT's
Operating Income
for the
three
months ended in Mar. 2026 was ₱14,589 Mil. PLDT's Interest Expense for the
three
months ended in Mar. 2026 was ₱-4,307 Mil.
PLDT's interest coverage for the quarter that ended in Mar. 2026 was 3.39.
The higher the ratio, the stronger the company's financial strength is.
Warning Sign:
Ben Graham prefers companies' interest coverage to be at least 5. PLDT Inc interest coverage is 2.94, which is low.
The historical rank and industry rank for PLDT's Interest Coverage or its related term are showing as below:
PHS:TEL'
s Interest Coverage Range Over the Past 10 Years
Min: 0.08 Med: 3.44 Max: 5.35
Current: 2.94
PHS:TEL's Interest Coverage is ranked worse than 65.03% of 286
companies
in the Telecommunication Services industry
Industry Median: 4.715
vs PHS:TEL: 2.94
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
PLDT Interest Coverage Related Terms
PLDT Interest Coverage Historical Data
* Premium members only.
The historical data trend for PLDT's Interest Coverage can be seen below:
* 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
PHS:TEL vs TMUS, VZ, T: Interest Coverage Comparison
For the Telecom Services subindustry, PLDT's Interest Coverage, along with its competitors' market caps and Interest Coverage 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.
PLDT Interest Coverage vs Telecommunication Services Industry
For the Telecommunication Services industry and Communication Services sector, PLDT's Interest Coverage distribution charts can be found below:
* The bar in red indicates where PLDT's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
PLDT (PHS:TEL) has a Interest Coverage of 3.39 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PLDT and its competitors. This is near median its historical median of 3.44. Over the past decade, PLDT's Interest Coverage has ranged from 0.08 to 5.35. According to the industry distribution chart, PLDT ranks #186 out of 286 companies in the Telecommunication Services industry, placing it in the top 65%.
Is PLDT's Interest Coverage too high?
PLDT's current Interest Coverage of 3.39 is near median its 10-year median of 3.44. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 5.35. The Telecommunication Services industry median Interest Coverage is 4.72. PLDT's value of 3.39 is 28.1% below this industry median. Based on the distribution chart, PLDT ranks #186 out of 286 companies in the Telecommunication Services industry, which is below the industry midpoint. Overall, PLDT has a GF Score™ of 86/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PLDT's Interest Coverage compare to TMUS and VZ?
According to the Telecommunication Services industry distribution chart, PLDT ranks #186 out of 286 companies for Interest Coverage. This places PLDT in the lower half of its industry. The industry median Interest Coverage is 4.72. PLDT's value of 3.39 is 28.1% below this benchmark. Historically, PLDT's own Interest Coverage has ranged from 0.08 to 5.35 over the past decade. While the company's 10-year median is 3.44 vs. the industry median of 4.72, PLDT has consistently been below 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 Interest Coverage for a Telecommunication Services company?
The median Interest Coverage among Telecommunication Services companies is 4.72, based on 286 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PLDT's current Interest Coverage of 3.39 is 28.1% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on PLDT and its competitors. For the Telecommunication Services industry, the median Interest Coverage is 4.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PLDT's current Interest Coverage is 3.39, which is near median its own 10-year median of 3.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PLDT stock overvalued right now?
Based on GuruFocus' analysis, PLDT (PHS:TEL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱1,346.00, compared to a current price of ₱1,164.00 — trading 13.5% below its estimated fair value. The current Interest Coverage is 3.39, which is near median its 10-year median of 3.44 and 28.1% below the Telecommunication Services industry median of 4.72. PLDT's overall GF Score™ is 86/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For PLDT (PHS:TEL), the current Interest Coverage is 3.39 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 PLDT (PHS:TEL) Overvalued in 2026?
Based on GuruFocus' analysis, PLDT stock appears to be undervalued.
The current stock price of ₱1,164.00 is trading 13.5% below its estimated GF Value™ of ₱1,346.00.
GuruFocus considers PLDT to be Modestly Undervalued.
Key valuation signals for PHS:TEL:
Interest Coverage: 3.39 (near median its 10-year median of 3.44)
GF Value™: ₱1,346.00 vs. price of ₱1,164.00 (13.5% below fair value)
Industry Position: 28.1% below the Telecommunication Services median (#186 of 286)
No single metric tells the full story. See the PHS:TEL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PLDT Inc is a telecommunications and digital services provider. The group has three reportable operating segments: Wireless, Fixed Line, and Others. Maximum revenue is generated from its Fixed Line segment, which offers fixed line telecommunications services, servicing retail, corporate, and small and medium-sized enterprises clients. The Fixed Line business segment offers data, voice, and miscellaneous services. It also offers secure data centers, multi-cloud, cybersecurity, data, and artificial intelligence (AI) solutions through different subsidiaries. The Wireless segment generates revenue by offering access to mobile internet via smartphones, mobile broadband using pocket WiFi, or home WiFi using fixed wireless broadband devices. Geographically, the group operates in the Philippines.
86GF Score
Get the complete analysis for PHS:TEL
Interest Coverage is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:TEL has been successfully added to your 
