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Rizal Commercial BankingPHS:RCB 74 Net Margin % is 8.31% as of Jun. 2026, which is 55% below its 10-year median of 18.31. GuruFocus rates PHS:RCB with a GF Score™ of 74/100 and a GF Value™ of ₱30.01 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Rizal Commercial Banking ranks worse than 82.25% on this metric.
Rizal Commercial Banking (PHS:RCB) Net Margin % Explanation
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.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Rizal Commercial Banking Net Margin % Related Terms
Rizal Commercial Banking Net Margin % Historical Data
* 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 Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Rizal Commercial Banking's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's Net Margin % distribution charts can be found below:
* The bar in red indicates where Rizal Commercial Banking's Net Margin % falls into.
* 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 (PHS:RCB) has a Net Margin % of 8.31% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Rizal Commercial Banking and its competitors. This is 55% below median its historical median of 18.31. Over the past decade, Rizal Commercial Banking's Net Margin % has ranged from 13.87 to 29.76. According to the industry distribution chart, Rizal Commercial Banking ranks #1256 out of 1527 companies in the Banks industry, placing it in the top 82.3%.
Is Rizal Commercial Banking's Net Margin % too high?
Rizal Commercial Banking's current Net Margin % of 8.31% is 55% below median its 10-year median of 18.31. Over the past 10 years, this metric has ranged from a low of 13.87 to a high of 29.76. The Banks industry median Net Margin % is 27.20. Rizal Commercial Banking's value of 8.31% is 69.4% below this industry median. Based on the distribution chart, Rizal Commercial Banking ranks #1256 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Rizal Commercial Banking has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #1256 out of 1527 companies for Net Margin %. This places Rizal Commercial Banking in the lower half of its industry. The industry median Net Margin % is 27.20. Rizal Commercial Banking's value of 8.31% is 69.4% below this benchmark. Historically, Rizal Commercial Banking's own Net Margin % has ranged from 13.87 to 29.76 over the past decade. While the company's 10-year median is 18.31 vs. the industry median of 27.20, Rizal Commercial Banking has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.20, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rizal Commercial Banking's current Net Margin % of 8.31% is 69.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Rizal Commercial Banking and its competitors. For the Banks industry, the median Net Margin % is 27.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rizal Commercial Banking's current Net Margin % is 8.31%, which is 55% below median its own 10-year median of 18.31. 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 ₱30.01, compared to a current price of ₱23.00 — trading 23.4% below its estimated fair value. The current Net Margin % is 8.31%, which is 55% below median its 10-year median of 18.31 and 69.4% below the Banks industry median of 27.20. Rizal Commercial Banking's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Rizal Commercial Banking (PHS:RCB), the current Net Margin % is 8.31% 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 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 ₱23.00 is trading 23.4% below its estimated GF Value™ of ₱30.01.
GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.
Key valuation signals for PHS:RCB:
Net Margin %: 8.31% (55% below median its 10-year median of 18.31)
GF Value™: ₱30.01 vs. price of ₱23.00 (23.4% below fair value)
Industry Position: 69.4% below the Banks median (#1256 of 1527)
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.
74GF Score
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