PLDT (PHS:TEL) Net Interest Income: ₱-17,437 Mil (TTM As of Jun. 2026)

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PHS:TEL PLDT Inc PHS:TEL
87 GF Score
Price ₱1,145.00
GF Value ₱1,326.41
Valuation Modestly Undervalued
! 5 Warning Signs
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What is PLDT Net Interest Income?

PLDT PHS:TEL +1.33% 87 Net Interest Income is ₱-17,437 Mil as of Jun. 2026. GuruFocus rates PHS:TEL with a GF Score™ of 87/100 and a GF Value™ of ₱1,326.41 (Modestly Undervalued). The stock has 5 warning signs investors should review.

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. PLDT's net interest income for the three months ended in Jun. 2026 was ₱-4,242 Mil. Its net interest income for the trailing twelve months (TTM) ended in Jun. 2026 was ₱-17,437 Mil.

PLDT Net Interest Income Related Terms

PLDT Net Interest Income Historical Data

* Premium members only.

The historical data trend for PLDT'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.

PLDT Net Interest Income Chart

PLDT 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 -9,747.00 -11,106.00 -12,739.00 -14,584.00 -17,449.00

PLDT Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 -4,266.00 -4,507.00 -4,539.00 -4,149.00 -4,242.00
PHS:TEL
87GF Score
PLDT Inc PHS:TEL
Net Interest Income is just one metric. See GF Score™, valuation, warning signs, and more.
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PLDT 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 Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱-17,437 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 ₱-17,437 Mil mean?
PLDT (PHS:TEL) has a Net Interest Income of ₱-17,437 Mil as of Jun. 2026.
Is PLDT's Net Interest Income too high?
PLDT's current Net Interest Income is ₱-17,437 Mil. Overall, PLDT has a GF Score™ of 87/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PLDT's Net Interest Income compare to VZ and TMUS?
PLDT's Net Interest Income of ₱-17,437 Mil can be compared against companies in the Telecommunication Services 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 Telecommunication Services company?
A good Net Interest Income depends on the Telecommunication Services 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. PLDT's current Net Interest Income is ₱-17,437 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PLDT stock overvalued right now?
Based on GuruFocus' analysis, PLDT (PHS:TEL) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱1,326.41, compared to a current price of ₱1,145.00 — trading 13.7% below its estimated fair value. The current Net Interest Income is ₱-17,437 Mil. PLDT's overall GF Score™ is 87/100 with 5 warning signs to review. 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 PLDT (PHS:TEL), the current Net Interest Income is ₱-17,437 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 PLDT (PHS:TEL) Overvalued in 2026?

Based on GuruFocus' analysis, PLDT stock appears to be undervalued. The current stock price of ₱1,145.00 is trading 13.7% below its estimated GF Value™ of ₱1,326.41. GuruFocus considers PLDT to be Modestly Undervalued.

Key valuation signals for PHS:TEL:

  • Net Interest Income: ₱-17,437 Mil
  • GF Value™: ₱1,326.41 vs. price of ₱1,145.00 (13.7% below fair value)
  • GF Score™: 87/100 with 5 warning signs

No single metric tells the full story. See the PHS:TEL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

PLDT Business Description

Other Exchanges PHTCF:USAPHI:USAPLO:Germany
Address Makati Avenue, Corner Ayala Avenue, Ramon Cojuangco Building, Legaspi Village, Metro Manila, Makati City, PHL, 1200
PLDT Inc is a telecommunications and digital services provider. The group has three reportable operating segments: Wireless, Fixed Line, and Others. Maximum revenue is generated from its Fixed Line segment, which offers fixed line telecommunications services, servicing retail, corporate, and small and medium-sized enterprises clients. The Fixed Line business segment offers data, voice, and miscellaneous services. It also offers secure data centers, multi-cloud, cybersecurity, data, and artificial intelligence (AI) solutions through different subsidiaries. The Wireless segment generates revenue by offering access to mobile internet via smartphones, mobile broadband using pocket WiFi, or home WiFi using fixed wireless broadband devices. Geographically, the group operates in the Philippines.
87GF Score

Get the complete analysis for PHS:TEL

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

₱1,145.00
Price
₱1,326.41
GF Value