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Philippinevings BankPHS:PSB -1.22%57 OCF Yield % is 0.47 as of Aug. 03, 2026, which is at its 10-year median of 0.47. GuruFocus rates PHS:PSB with a GF Score™ of 57/100 and a GF Value™ of ₱59.74 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,497 Banks companies, Philippinevings Bank ranks worse than 75.82% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Philippinevings Bank OCF Yield % Related Terms
Philippinevings Bank OCF Yield % Historical Data
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The historical data trend for Philippinevings Bank's OCF Yield % 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 OCF Yield % Competitor Comparison
For the Banks - Regional subindustry, Philippinevings Bank's OCF Yield %, along with its competitors' market caps and OCF Yield % 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.
Philippinevings Bank OCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Philippinevings Bank's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Philippinevings Bank's OCF Yield % 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.
Philippinevings Bank (PHS:PSB) has a OCF Yield % of 0.47 as of Aug. 03, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Philippinevings Bank and its competitors. This is near median its historical median of 0.47. According to the industry distribution chart, Philippinevings Bank ranks #1135 out of 1497 companies in the Banks industry, placing it in the top 75.8%.
Is Philippinevings Bank's OCF Yield % too high?
Philippinevings Bank's current OCF Yield % of 0.47 is near median its 10-year median of 0.47. The Banks industry median OCF Yield % is 9.00. Philippinevings Bank's value of 0.47 is 94.8% below this industry median. Based on the distribution chart, Philippinevings Bank ranks #1135 out of 1497 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Philippinevings Bank has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippinevings Bank's OCF Yield % compare to competitors?
According to the Banks industry distribution chart, Philippinevings Bank ranks #1135 out of 1497 companies for OCF Yield %. This places Philippinevings Bank in the lower half of its industry. The industry median OCF Yield % is 9.00. Philippinevings Bank's value of 0.47 is 94.8% below this benchmark. While the company's 10-year median is 0.47 vs. the industry median of 9.00, Philippinevings Bank 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 OCF Yield % for a Banks company?
The median OCF Yield % among Banks companies is 9.00, based on 1,497 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippinevings Bank's current OCF Yield % of 0.47 is 94.8% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Philippinevings Bank and its competitors. For the Banks industry, the median OCF Yield % is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippinevings Bank's current OCF Yield % is 0.47, which is near median its own 10-year median of 0.47. 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 ₱59.74, compared to a current price of ₱52.70 — trading 11.8% below its estimated fair value. The current OCF Yield % is 0.47, which is near median its 10-year median of 0.47 and 94.8% below the Banks industry median of 9.00. Philippinevings Bank's overall GF Score™ is 57/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Philippinevings Bank (PHS:PSB), the current OCF Yield % is 0.47 as of Aug. 03, 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 ₱52.70 is trading 11.8% below its estimated GF Value™ of ₱59.74.
GuruFocus considers Philippinevings Bank to be Modestly Undervalued.
Key valuation signals for PHS:PSB:
OCF Yield %: 0.47 (near median its 10-year median of 0.47)
GF Value™: ₱59.74 vs. price of ₱52.70 (11.8% below fair value)
Industry Position: 94.8% below the Banks median (#1135 of 1497)
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.
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.
57GF Score
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