The historical rank and industry rank for Philippine Bank of Communications's Pretax Margin % or its related term are showing as below:
PHS:PBC'
s Pretax Margin % Range Over the Past 10 Years
Min: 8.44 Med: 33.96 Max: 42.81
Current: 40.31
PHS:PBC's Pretax Margin % is ranked better than 63.96% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs PHS:PBC: 40.31
Philippine Bank of Communications (PHS:PBC) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Philippine Bank of Communications Pretax Margin % Related Terms
Philippine Bank of Communications Pretax 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.
Philippine Bank of Communications Pretax Margin % Chart
For the Banks - Regional subindustry, Philippine Bank of Communications's Pretax Margin %, along with its competitors' market caps and Pretax 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.
Philippine Bank of Communications Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Bank of Communications's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Philippine Bank of Communications's Pretax 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.
Philippine Bank of Communications (PHS:PBC) has a Pretax Margin % of 30.74% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Philippine Bank of Communications and its competitors. This is near median its historical median of 33.96. Over the past decade, Philippine Bank of Communications' Pretax Margin % has ranged from 8.44 to 42.81. According to the industry distribution chart, Philippine Bank of Communications ranks #550 out of 1526 companies in the Banks industry, placing it in the top 36%.
Is Philippine Bank of Communications' Pretax Margin % too high?
Philippine Bank of Communications' current Pretax Margin % of 30.74% is near median its 10-year median of 33.96. Over the past 10 years, this metric has ranged from a low of 8.44 to a high of 42.81. The Banks industry median Pretax Margin % is 34.89. Philippine Bank of Communications' value of 30.74% is 11.9% below this industry median. Based on the distribution chart, Philippine Bank of Communications ranks #550 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Philippine Bank of Communications has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Bank of Communications' Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Philippine Bank of Communications ranks #550 out of 1526 companies for Pretax Margin %. This puts Philippine Bank of Communications in the upper half of its industry. The industry median Pretax Margin % is 34.89. Philippine Bank of Communications' value of 30.74% is 11.9% below this benchmark. Historically, Philippine Bank of Communications' own Pretax Margin % has ranged from 8.44 to 42.81 over the past decade. While the company's 10-year median is 33.96 vs. the industry median of 34.89, Philippine Bank of Communications 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Bank of Communications's current Pretax Margin % of 30.74% is 11.9% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Philippine Bank of Communications and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Bank of Communications's current Pretax Margin % is 30.74%, which is near median its own 10-year median of 33.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Bank of Communications stock overvalued right now?
Based on GuruFocus' analysis, Philippine Bank of Communications (PHS:PBC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱19.93, compared to a current price of ₱15.42 — trading 22.6% below its estimated fair value. The current Pretax Margin % is 30.74%, which is near median its 10-year median of 33.96 and 11.9% below the Banks industry median of 34.89. Philippine Bank of Communications' overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Philippine Bank of Communications (PHS:PBC), the current Pretax Margin % is 30.74% as of Mar. 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 Philippine Bank of Communications (PHS:PBC) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Bank of Communications stock appears to be undervalued.
The current stock price of ₱15.42 is trading 22.6% below its estimated GF Value™ of ₱19.93.
GuruFocus considers Philippine Bank of Communications to be Modestly Undervalued.
Key valuation signals for PHS:PBC:
Pretax Margin %: 30.74% (near median its 10-year median of 33.96)
GF Value™: ₱19.93 vs. price of ₱15.42 (22.6% below fair value)
Industry Position: 11.9% below the Banks median (#550 of 1526)
No single metric tells the full story. See the PHS:PBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Bank of Communications Business Description
Philippine Bank of Communications is a banking corporation registered in the Philippines. It is engaged in providing retail and commercial banking services such as savings, deposits, current accounts, cash management, checking, time deposit accounts, and debit cards. It also offers a wide range-of-products and services to clients. These include basic universal banking services such as deposit products, credit and loan facilities, trade-related services, treasury and foreign exchange trading, cash management services, and Trust and Investment Management services. It organizes its business into five segments, namely Branch Banking, Corporate Banking, Treasury, Consumer Finance, and Trust and Wealth Management. The company's revenue consists of interest income, dividends, fees, & commissions.
62GF Score
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