Rizal Commercial BankingPHS:RCB -0.42%81 PEG Ratio is 0.97 as of Jul. 03, 2026, which is 6% below its 10-year median of 1.03. GuruFocus rates PHS:RCB with a GF Score™ of 81/100 and a GF Value™ of ₱29.69 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,228 Banks companies, Rizal Commercial Banking ranks better than 68.4% 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 Rizal Commercial Banking's PEG Ratio or its related term are showing as below:
PHS:RCB'
s PEG Ratio Range Over the Past 10 Years
Min: 0.26 Med: 1.03 Max: 4.47
Current: 0.97
During the past 13 years, Rizal Commercial Banking's highest PEG Ratio was 4.47. The lowest was 0.26. And the median was 1.03.
PHS:RCB's PEG Ratio is ranked better than 68.4% of 1228
companies
in the Banks industry
Industry Median: 1.53
vs PHS:RCB: 0.97
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Rizal Commercial Banking (PHS:RCB) 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.
Rizal Commercial Banking PEG Ratio Related Terms
Rizal Commercial Banking PEG Ratio 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 PEG Ratio Competitor Comparison
For the Banks - Regional subindustry, Rizal Commercial Banking'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.
Rizal Commercial Banking PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Rizal Commercial Banking'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.
Rizal Commercial Banking (PHS:RCB) has a PEG Ratio of 0.97 as of Jul. 03, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Rizal Commercial Banking and its competitors. This is near median its historical median of 1.03. Over the past decade, Rizal Commercial Banking's PEG Ratio has ranged from 0.26 to 4.47. According to the industry distribution chart, Rizal Commercial Banking ranks #388 out of 1228 companies in the Banks industry, placing it in the top 31.6%.
Is Rizal Commercial Banking's PEG Ratio too high?
Rizal Commercial Banking's current PEG Ratio of 0.97 is near median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 4.47. The Banks industry median PEG Ratio is 1.53. Rizal Commercial Banking's value of 0.97 is 36.6% below this industry median. Based on the distribution chart, Rizal Commercial Banking ranks #388 out of 1228 companies in the Banks industry, which is above the industry midpoint. Overall, Rizal Commercial Banking has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's PEG Ratio compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #388 out of 1228 companies for PEG Ratio. This puts Rizal Commercial Banking in the upper half of its industry. The industry median PEG Ratio is 1.53. Rizal Commercial Banking's value of 0.97 is 36.6% below this benchmark. Historically, Rizal Commercial Banking's own PEG Ratio has ranged from 0.26 to 4.47 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 1.53, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.53, based on 1,228 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. Rizal Commercial Banking's current PEG Ratio of 0.97 is 36.6% 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 Rizal Commercial Banking and its competitors. For the Banks industry, the median PEG Ratio is 1.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rizal Commercial Banking's current PEG Ratio is 0.97, which is near median its own 10-year median of 1.03. 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 ₱29.69, compared to a current price of ₱23.50 — trading 20.8% below its estimated fair value. The current PEG Ratio is 0.97, which is near median its 10-year median of 1.03 and 36.6% below the Banks industry median of 1.53. Rizal Commercial Banking's overall GF Score™ is 81/100 with 3 warning signs 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 Rizal Commercial Banking (PHS:RCB), the current PEG Ratio is 0.97 as of Jul. 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 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 ₱23.50 is trading 20.8% below its estimated GF Value™ of ₱29.69.
GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.
Key valuation signals for PHS:RCB:
PEG Ratio: 0.97 (near median its 10-year median of 1.03)
GF Value™: ₱29.69 vs. price of ₱23.50 (20.8% below fair value)
Industry Position: 36.6% below the Banks median (#388 of 1228)
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.
81GF Score
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