Philippine Trust Co (PHS:PTC) Net Interest Income: ₱3,270 Mil (TTM As of Mar. 2026)

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PHS:PTC Philippine Trust Co PHS:PTC
68 GF Score
Price ₱90.00
GF Value ₱100.87
Valuation Modestly Undervalued
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What is Philippine Trust Co Net Interest Income?

Philippine Trust Co PHS:PTC 68 Net Interest Income is ₱3,270 Mil as of Mar. 2026. GuruFocus rates PHS:PTC with a GF Score™ of 68/100 and a GF Value™ of ₱100.87 (Modestly Undervalued).

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors. Philippine Trust Co's net interest income for the three months ended in Mar. 2026 was ₱849 Mil. Its net interest income for the trailing twelve months (TTM) ended in Mar. 2026 was ₱3,270 Mil.

Philippine Trust Co Net Interest Income Related Terms

Philippine Trust Co Net Interest Income Historical Data

* Premium members only.

The historical data trend for Philippine Trust Co's Net Interest 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.

Philippine Trust Co Net Interest Income Chart

Philippine Trust Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,459.01 2,811.02 3,131.10 3,158.07 3,411.43

Philippine Trust Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Interest Income 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 990.43 1,057.17 803.76 560.07 849.03
PHS:PTC
68GF Score
Philippine Trust Co PHS:PTC
Net Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
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Philippine Trust Co Net Interest Income Calculation

Net interest income is the total interest income minus total interest expense. It represents the difference between interest and dividends earned on interestbearing assets and interest paid to depositors and other creditors.

Net Interest 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 ₱3,270 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 Interest Income →
What does a Net Interest Income of ₱3,270 Mil mean?
Philippine Trust Co (PHS:PTC) has a Net Interest Income of ₱3,270 Mil as of Mar. 2026.
Is Philippine Trust Co's Net Interest Income too high?
Philippine Trust Co's current Net Interest Income is ₱3,270 Mil. Overall, Philippine Trust Co has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Trust Co's Net Interest Income compare to competitors?
Philippine Trust Co's Net Interest Income of ₱3,270 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 Interest Income for a Banks company?
A good Net Interest Income depends on the Banks industry context. However, Net Interest 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 Interest Income mean?
A high Net Interest Income can signal that a stock is expensive relative to its fundamentals. Philippine Trust Co's current Net Interest Income is ₱3,270 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 ₱100.87, compared to a current price of ₱90.00 — trading 10.8% below its estimated fair value. The current Net Interest Income is ₱3,270 Mil. Philippine Trust Co's overall GF Score™ is 68/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Income calculated?
Net Interest Income is calculated from a company's financial statements. For Philippine Trust Co (PHS:PTC), the current Net Interest Income is ₱3,270 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 10.8% below its estimated GF Value™ of ₱100.87. GuruFocus considers Philippine Trust Co to be Modestly Undervalued.

Key valuation signals for PHS:PTC:

  • Net Interest Income: ₱3,270 Mil
  • GF Value™: ₱100.87 vs. price of ₱90.00 (10.8% below fair value)
  • GF Score™: 68/100

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 Business Description

Address 1000 United Nations Avenue corner San Marcelino Street, Philtrust Bank Building, Manila, PHL, 1007
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.
68GF Score

Get the complete analysis for PHS:PTC

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

₱90.00
Price
₱100.87
GF Value