Philippine Business Bank (PHS:PBB) Interest Expense: ₱-4,094 Mil (TTM As of Mar. 2026)


PHS:PBB Philippine Business Bank PHS:PBB
63 GF Score
Price ₱7.02
GF Value ₱8.69
Valuation Modestly Undervalued
! 1 Warning Sign
View Full Analysis

What is Philippine Business Bank Interest Expense?

Philippine Business Bank PHS:PBB +0.29% 63 Interest Expense is ₱-4,094 Mil as of Mar. 2026. GuruFocus rates PHS:PBB with a GF Score™ of 63/100 and a GF Value™ of ₱8.69 (Modestly Undervalued). The stock has 1 warning sign investors should review.

Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Philippine Business Bank's interest expense for the three months ended in Mar. 2026 was ₱ -958 Mil. Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was ₱-4,094 Mil.

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. Philippine Business Bank's Operating Income for the three months ended in Mar. 2026 was ₱ Mil. Philippine Business Bank's Interest Expense for the three months ended in Mar. 2026 was ₱ Mil. The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.

Philippine Business Bank Interest Expense Historical Data

* Premium members only.

The historical data trend for Philippine Business Bank's Interest Expense 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.

Philippine Business Bank Interest Expense Chart

Philippine Business Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Interest Expense
Get a 7-Day Free Trial Premium Member Only Premium Member Only -838.32 -1,032.18 -2,874.21 -3,967.66 -4,187.83

Philippine Business Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Interest Expense Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -1,051.43 -1,087.61 -1,053.89 -994.90 -957.62
PHS:PBB
63GF Score
Philippine Business Bank PHS:PBB
Interest Expense is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Philippine Business Bank Interest Expense Calculation

Interest Expense is the amount reported by a company or individual as an expense for borrowed money.

Interest Expense 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 ₱-4,094 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.

Frequently Asked Questions Learn more about Interest Expense →
What does a Interest Expense of ₱-4,094 Mil mean?
Philippine Business Bank (PHS:PBB) has a Interest Expense of ₱-4,094 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on Philippine Business Bank and its competitors.
Is Philippine Business Bank's Interest Expense too high?
Philippine Business Bank's current Interest Expense is ₱-4,094 Mil. Overall, Philippine Business Bank has a GF Score™ of 63/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Business Bank's Interest Expense compare to PNC and USB?
Philippine Business Bank's Interest Expense of ₱-4,094 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for a Banks company?
A good Interest Expense depends on the Banks industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Philippine Business Bank and its competitors. Philippine Business Bank's current Interest Expense is ₱-4,094 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Business Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippine Business Bank (PHS:PBB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱8.69, compared to a current price of ₱7.02 — trading 19.2% below its estimated fair value. The current Interest Expense is ₱-4,094 Mil. Philippine Business Bank's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Philippine Business Bank (PHS:PBB), the current Interest Expense is ₱-4,094 Mil 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 Business Bank (PHS:PBB) Overvalued in 2026?

Based on GuruFocus' analysis, Philippine Business Bank stock appears to be undervalued. The current stock price of ₱7.02 is trading 19.2% below its estimated GF Value™ of ₱8.69. GuruFocus considers Philippine Business Bank to be Modestly Undervalued.

Key valuation signals for PHS:PBB:

  • Interest Expense: ₱-4,094 Mil
  • GF Value™: ₱8.69 vs. price of ₱7.02 (19.2% below fair value)
  • GF Score™: 63/100 with 1 warning sign

No single metric tells the full story. See the PHS:PBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Philippine Business Bank Business Description

Address 350 Rizal Avenue Extension Corner, 8th Avenue, Grace Park, Caloocan City, PHL, 1400
Philippine Business Bank engages in the business of thrift banking. The company provides banking and financial services including cash management, retail and corporate lending, deposit products, international trade finance, treasury, and trust products. The company's predominant operating segments are Consumer Banking which includes auto financing, home financing, and salary or personal loans; Corporate Banking which includes term loans, working capital credit lines, bills purchase, and discounting lines; and Treasury Operations engages in managing the liquidity of the Bank and its trading and investment activities. The majority of its revenue comes from the Corporate Banking segment.
63GF Score

Get the complete analysis for PHS:PBB

Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱7.02
Price
₱8.69
GF Value