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Rizal Commercial BankingPHS:RCB 73 Intrinsic Value: Projected FCF is ₱264.58 as of Aug. 12, 2026, which is 100% below its 10-year median of 0.20. GuruFocus rates PHS:RCB with a GF Score™ of 73/100 and a GF Value™ of ₱29.88 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,286 Banks companies, Rizal Commercial Banking ranks better than 96.19% 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 Rizal Commercial Banking's Intrinsic Value: Projected FCF or its related term are showing as below:
PHS:RCB'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.08 Med: 0.2 Max: 0.76
Current: 0.09
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Rizal Commercial Banking was 0.76. The lowest was 0.08. And the median was 0.20.
PHS:RCB's Price-to-Projected-FCF is ranked better than 96.19% of 1286
companies
in the Banks industry
Industry Median: 0.59
vs PHS:RCB: 0.09
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.
Rizal Commercial Banking's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
23.25
/
264.58428461454
=
0.09
* 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 Intrinsic Value: Projected FCF Related Terms
Rizal Commercial Banking Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Rizal Commercial Banking'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.
For the Banks - Regional subindustry, Rizal Commercial Banking'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.
Rizal Commercial Banking Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Rizal Commercial Banking's Price-to-Projected-FCF falls into.
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 ₱264.58 mean?
Rizal Commercial Banking (PHS:RCB) has a Intrinsic Value: Projected FCF of ₱264.58 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 Rizal Commercial Banking and its competitors. This is 132190% above median its historical median of 0.20. Over the past decade, Rizal Commercial Banking's Intrinsic Value: Projected FCF has ranged from 0.08 to 0.76. According to the industry distribution chart, Rizal Commercial Banking ranks #49 out of 1286 companies in the Banks industry, placing it in the top 3.8%.
Is Rizal Commercial Banking's Intrinsic Value: Projected FCF too high?
Rizal Commercial Banking's current Intrinsic Value: Projected FCF of ₱264.58 is 132190% above median its 10-year median of 0.20. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.76. Based on the distribution chart, Rizal Commercial Banking ranks #49 out of 1286 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Rizal Commercial Banking has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #49 out of 1286 companies for Intrinsic Value: Projected FCF. This places Rizal Commercial Banking in the top 4% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.59. Historically, Rizal Commercial Banking's own Intrinsic Value: Projected FCF has ranged from 0.08 to 0.76 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 Rizal Commercial Banking 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. Rizal Commercial Banking's current Intrinsic Value: Projected FCF is ₱264.58, which is 132190% above median its own 10-year median of 0.20. 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 ₱29.88, compared to a current price of ₱23.25 — trading 22.2% below its estimated fair value. The current Intrinsic Value: Projected FCF is ₱264.58, which is 132190% above median its 10-year median of 0.20. Rizal Commercial Banking's overall GF Score™ is 73/100 with 3 warning signs 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 Rizal Commercial Banking (PHS:RCB), the current Intrinsic Value: Projected FCF is ₱264.58 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 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 ₱23.25 is trading 22.2% below its estimated GF Value™ of ₱29.88.
GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.
Key valuation signals for PHS:RCB:
Intrinsic Value: Projected FCF: ₱264.58 (132190% above median its 10-year median of 0.20)
GF Value™: ₱29.88 vs. price of ₱23.25 (22.2% below fair value)
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.
73GF Score
Get the complete analysis for PHS:RCB
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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