Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Philippine Trust Co's Net Income for the
three
months ended in Mar. 2026 was ₱236 Mil. Its Net Income for the trailing twelve months (TTM) ended in Mar. 2026 was ₱405 Mil.
Philippine Trust Co (PHS:PTC) Net Income Explanation
Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:
Philippine Trust Co's Earnings per Share (Diluted) (EPS) for the quarter that ended in Mar. 2026 is calculated as
* 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.
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
EPS is most useful for companies that have:
A predictable business
Consistent accounting methods
And few restructurings
The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.
Be Aware
Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.
Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.
If net earnings is less than 10%, likely to be in a highly competitive business.
Philippine Trust Co Net Income Related Terms
Philippine Trust Co Net Income Historical Data
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The historical data trend for Philippine Trust Co's Net Income 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.
Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.
Net Income 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 ₱405 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.
Philippine Trust Co (PHS:PTC) has a Net Income of ₱405 Mil as of Mar. 2026. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Philippine Trust Co and its competitors.
Is Philippine Trust Co's Net Income too high?
Philippine Trust Co's current Net Income is ₱405 Mil. Overall, Philippine Trust Co 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 Trust Co's Net Income compare to competitors?
Philippine Trust Co's Net Income of ₱405 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 Income for a Banks company?
A good Net Income depends on the Banks industry context. However, Net Income 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 Income mean?
A high Net Income can signal that a stock is expensive relative to its fundamentals. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Philippine Trust Co and its competitors. Philippine Trust Co's current Net Income is ₱405 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Philippine Trust Co (PHS:PTC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱100.67, compared to a current price of ₱90.00 — trading 10.6% below its estimated fair value. The current Net Income is ₱405 Mil. Philippine Trust Co's overall GF Score™ is 63/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Income calculated?
Net Income is calculated from a company's financial statements. For Philippine Trust Co (PHS:PTC), the current Net Income is ₱405 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 Trust Co (PHS:PTC) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Trust Co stock appears to be undervalued.
The current stock price of ₱90.00 is trading 10.6% below its estimated GF Value™ of ₱100.67.
GuruFocus considers Philippine Trust Co to be Modestly Undervalued.
Key valuation signals for PHS:PTC:
Net Income: ₱405 Mil
GF Value™: ₱100.67 vs. price of ₱90.00 (10.6% below fair value)
No single metric tells the full story. See the PHS:PTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Trust Co is engaged in the commercial banking business. It offers various products and services such as deposit products, loans, international services, treasury, and trust functions. The company also provides investment management, estate administration, escrow services, insurance and pension plans, stock registry, and transfer services. Its services are offered through a network of branch offices and ATMs located across different regions in the Philippines. The company operates in two key business segments: Lending, which generates maximum revenue, and Treasury operations.
63GF Score
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Net Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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