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Philippinevings BankPHS:PSB -0.57%57 Intrinsic Value: Projected FCF is ₱92.13 as of Aug. 12, 2026, which is 100% below its 10-year median of 0.53. GuruFocus rates PHS:PSB with a GF Score™ of 57/100 and a GF Value™ of ₱59.77 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,286 Banks companies, Philippinevings Bank ranks better than 53.03% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Philippinevings Bank's Intrinsic Value: Projected FCF or its related term are showing as below:
PHS:PSB'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.14 Med: 0.53 Max: 8.42
Current: 0.57
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Philippinevings Bank was 8.42. The lowest was 0.14. And the median was 0.53.
PHS:PSB's Price-to-Projected-FCF is ranked better than 53.03% of 1286
companies
in the Banks industry
Industry Median: 0.59
vs PHS:PSB: 0.57
Philippinevings Bank (PHS:PSB) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Philippinevings Bank's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
52.50
/
92.134532803333
=
0.57
* 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.
Philippinevings Bank Intrinsic Value: Projected FCF Related Terms
Philippinevings Bank Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Philippinevings Bank's Intrinsic Value: Projected FCF 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.
Philippinevings Bank Intrinsic Value: Projected FCF Chart
Philippinevings Bank Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Philippinevings Bank's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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.
Philippinevings Bank Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Philippinevings Bank's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Philippinevings Bank's Price-to-Projected-FCF falls into.
Philippinevings Bank Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of ₱92.13 mean?
Philippinevings Bank (PHS:PSB) has a Intrinsic Value: Projected FCF of ₱92.13 as of Aug. 12, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Philippinevings Bank and its competitors. This is 17283% above median its historical median of 0.53. Over the past decade, Philippinevings Bank's Intrinsic Value: Projected FCF has ranged from 0.14 to 8.42. According to the industry distribution chart, Philippinevings Bank ranks #604 out of 1286 companies in the Banks industry, placing it in the top 47%.
Is Philippinevings Bank's Intrinsic Value: Projected FCF too high?
Philippinevings Bank's current Intrinsic Value: Projected FCF of ₱92.13 is 17283% above median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 8.42. Based on the distribution chart, Philippinevings Bank ranks #604 out of 1286 companies in the Banks industry, which is above the industry midpoint. Overall, Philippinevings Bank has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippinevings Bank's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Philippinevings Bank ranks #604 out of 1286 companies for Intrinsic Value: Projected FCF. This puts Philippinevings Bank in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.59. Historically, Philippinevings Bank's own Intrinsic Value: Projected FCF has ranged from 0.14 to 8.42 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,286 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Philippinevings Bank and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippinevings Bank's current Intrinsic Value: Projected FCF is ₱92.13, which is 17283% above median its own 10-year median of 0.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippinevings Bank stock overvalued right now?
Based on GuruFocus' analysis, Philippinevings Bank (PHS:PSB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱59.77, compared to a current price of ₱52.50 — trading 12.2% below its estimated fair value. The current Intrinsic Value: Projected FCF is ₱92.13, which is 17283% above median its 10-year median of 0.53. Philippinevings Bank's overall GF Score™ is 57/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Philippinevings Bank (PHS:PSB), the current Intrinsic Value: Projected FCF is ₱92.13 as of Aug. 12, 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 Philippinevings Bank (PHS:PSB) Overvalued in 2026?
Based on GuruFocus' analysis, Philippinevings Bank stock appears to be undervalued.
The current stock price of ₱52.50 is trading 12.2% below its estimated GF Value™ of ₱59.77.
GuruFocus considers Philippinevings Bank to be Modestly Undervalued.
Key valuation signals for PHS:PSB:
Intrinsic Value: Projected FCF: ₱92.13 (17283% above median its 10-year median of 0.53)
GF Value™: ₱59.77 vs. price of ₱52.50 (12.2% below fair value)
No single metric tells the full story. See the PHS:PSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Savings Bank is a Philippines-based consumer banking company. Its services can be summed up as deposits, loans, treasury, and trust functions offered to the consumer and commercial market. The company's reportable segments are Consumer Banking, Corporate Banking, Branch Banking, and Treasury. Maximum revenue is generated from the Branch Banking segment, which serves as the bank's main customer touch point, offering consumer and corporate banking products. The Consumer and Corporate Banking segments provide loans and other credit facilities to individuals, small and medium enterprises, and corporate and institutional customers. The Treasury segment principally handles institutional deposit accounts, providing money market, trading, and treasury services etc.
57GF Score
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Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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