Philippinevings Bank (PHS:PSB) Net Change in Cash: ₱1,078 Mil (TTM As of Jun. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

PHS:PSB Philippine Savings Bank PHS:PSB
60 GF Score
Price ₱52.30
GF Value ₱58.92
Valuation Modestly Undervalued
! 3 Warning Signs
View Full Analysis

What is Philippinevings Bank Net Change in Cash?

Philippinevings Bank PHS:PSB -0.38% 60 Net Change in Cash is ₱1,078 Mil as of Jun. 2026. GuruFocus rates PHS:PSB with a GF Score™ of 60/100 and a GF Value™ of ₱58.92 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Net Change in Cash is calculated as the total of Cash Flow from Operations , Cash Flow from Investing, Cash Flow from Financing, and Effect of Exchange Rate Changes.

Philippinevings Bank's Net Change in Cash for the three months ended in Jun. 2026 was ₱-548 Mil. Its Net Change in Cash for the trailing twelve months (TTM) ended in Jun. 2026 was ₱1,078 Mil.

Philippinevings Bank Net Change in Cash Historical Data

* Premium members only.

The historical data trend for Philippinevings Bank's Net Change in Cash 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 Net Change in Cash Chart

Philippinevings Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Change in Cash
Get a 7-Day Free Trial Premium Member Only Premium Member Only 19,577.88 -16,052.39 -24,924.47 -14,972.89 4,047.60

Philippinevings Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Change in Cash 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 -2,459.89 -1,771.88 1,869.82 1,527.70 -547.54
PHS:PSB
60GF Score
Philippine Savings Bank PHS:PSB
Net Change in Cash is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Philippinevings Bank Net Change in Cash Calculation

Philippinevings Bank's Net Change in Cash for the fiscal year that ended in Dec. 2025 is calculated as

Net Change in Cash= Cash Flow from Operations+Cash Flow from Investing+Cash Flow from Financing+Effect of Exchange Rate Changes
=2211.605+-1289.177+3125.136+0.037
=4,048

Philippinevings Bank's Net Change in Cash for the quarter that ended in Jun. 2026

Net Change in Cash=Cash Flow from Operations+Cash Flow from Investing+Cash Flow from Financing+Effect of Exchange Rate Changes
=886.879+-978.222+-456.164+-0.028
=-548

Net Change in Cash for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱1,078 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 Net Change in Cash →
What does a Net Change in Cash of ₱1,078 Mil mean?
Philippinevings Bank (PHS:PSB) has a Net Change in Cash of ₱1,078 Mil as of Jun. 2026. The net change in cash is the total change in cash and equivalents between the current period and the past period. View historical data for Philippinevings Bank and its competitors.
Is Philippinevings Bank's Net Change in Cash too high?
Philippinevings Bank's current Net Change in Cash is ₱1,078 Mil. Overall, Philippinevings Bank has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippinevings Bank's Net Change in Cash compare to competitors?
Philippinevings Bank's Net Change in Cash of ₱1,078 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 Net Change in Cash for a Banks company?
A good Net Change in Cash depends on the Banks industry context. However, Net Change in Cash 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 Net Change in Cash mean?
A high Net Change in Cash can signal that a stock is expensive relative to its fundamentals. The net change in cash is the total change in cash and equivalents between the current period and the past period. View historical data for Philippinevings Bank and its competitors. Philippinevings Bank's current Net Change in Cash is ₱1,078 Mil. 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 ₱58.92, compared to a current price of ₱52.30 — trading 11.2% below its estimated fair value. The current Net Change in Cash is ₱1,078 Mil. Philippinevings Bank's overall GF Score™ is 60/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Change in Cash calculated?
Net Change in Cash is calculated from a company's financial statements. For Philippinevings Bank (PHS:PSB), the current Net Change in Cash is ₱1,078 Mil as of Jun. 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 ₱52.30 is trading 11.2% below its estimated GF Value™ of ₱58.92. GuruFocus considers Philippinevings Bank to be Modestly Undervalued.

Key valuation signals for PHS:PSB:

  • Net Change in Cash: ₱1,078 Mil
  • GF Value™: ₱58.92 vs. price of ₱52.30 (11.2% below fair value)
  • GF Score™: 60/100 with 3 warning signs

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.

Philippinevings Bank Business Description

Address 777 Paseo de Roxas Avenue Corner, Sedeno Street, PSBank Center, Metro Manila, Makati City, PHL, 1226
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.
60GF Score

Get the complete analysis for PHS:PSB

Net Change in Cash is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱52.30
Price
₱58.92
GF Value