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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Philippinevings BankPHS:PSB -1.22%57 PEG Ratio is 1.01 as of Aug. 03, 2026, which is 7% below its 10-year median of 1.09. 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 1,230 Banks companies, Philippinevings Bank ranks better than 67.89% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Philippinevings Bank's PEG Ratio or its related term are showing as below:
PHS:PSB'
s PEG Ratio Range Over the Past 10 Years
Min: 0.45 Med: 1.09 Max: 7.37
Current: 1.01
During the past 13 years, Philippinevings Bank's highest PEG Ratio was 7.37. The lowest was 0.45. And the median was 1.09.
PHS:PSB's PEG Ratio is ranked better than 67.89% of 1230
companies
in the Banks industry
Industry Median: 1.56
vs PHS:PSB: 1.01
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Philippinevings Bank (PHS:PSB) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Philippinevings Bank PEG Ratio Related Terms
Philippinevings Bank PEG Ratio Historical Data
* Premium members only.
The historical data trend for Philippinevings Bank's PEG Ratio 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 PEG Ratio Competitor Comparison
For the Banks - Regional subindustry, Philippinevings Bank's PEG Ratio, along with its competitors' market caps and PEG Ratio 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Philippinevings Bank's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Philippinevings Bank's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Philippinevings Bank (PHS:PSB) has a PEG Ratio of 1.01 as of Aug. 03, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Philippinevings Bank and its competitors. This is near median its historical median of 1.09. Over the past decade, Philippinevings Bank's PEG Ratio has ranged from 0.45 to 7.37. According to the industry distribution chart, Philippinevings Bank ranks #395 out of 1230 companies in the Banks industry, placing it in the top 32.1%.
Is Philippinevings Bank's PEG Ratio too high?
Philippinevings Bank's current PEG Ratio of 1.01 is near median its 10-year median of 1.09. Over the past 10 years, this metric has ranged from a low of 0.45 to a high of 7.37. The Banks industry median PEG Ratio is 1.56. Philippinevings Bank's value of 1.01 is 35.3% below this industry median. Based on the distribution chart, Philippinevings Bank ranks #395 out of 1230 companies in the Banks industry, which is above the industry midpoint. 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 PEG Ratio compare to competitors?
According to the Banks industry distribution chart, Philippinevings Bank ranks #395 out of 1230 companies for PEG Ratio. This puts Philippinevings Bank in the upper half of its industry. The industry median PEG Ratio is 1.56. Philippinevings Bank's value of 1.01 is 35.3% below this benchmark. Historically, Philippinevings Bank's own PEG Ratio has ranged from 0.45 to 7.37 over the past decade. While the company's 10-year median is 1.09 vs. the industry median of 1.56, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.56, based on 1,230 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippinevings Bank's current PEG Ratio of 1.01 is 35.3% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Philippinevings Bank and its competitors. For the Banks industry, the median PEG Ratio is 1.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippinevings Bank's current PEG Ratio is 1.01, which is near median its own 10-year median of 1.09. 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 PEG Ratio is 1.01, which is near median its 10-year median of 1.09 and 35.3% below the Banks industry median of 1.56. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Philippinevings Bank (PHS:PSB), the current PEG Ratio is 1.01 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:
PEG Ratio: 1.01 (near median its 10-year median of 1.09)
GF Value™: ₱59.74 vs. price of ₱52.70 (11.8% below fair value)
Industry Position: 35.3% below the Banks median (#395 of 1230)
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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