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Philippinevings BankPHS:PSB -1.22%57 Pretax Margin % is 22.71% as of Mar. 2026, which is 4% below its 10-year median of 23.56. 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 1,525 Banks companies, Philippinevings Bank ranks worse than 77.57% on this metric.
Philippinevings Bank (PHS:PSB) 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.
Philippinevings Bank Pretax Margin % Related Terms
Philippinevings Bank Pretax Margin % Historical Data
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The historical data trend for Philippinevings Bank's Pretax Margin % 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 Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Philippinevings Bank'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.
Philippinevings Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Philippinevings Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Philippinevings Bank'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.
Philippinevings Bank (PHS:PSB) has a Pretax Margin % of 22.71% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Philippinevings Bank and its competitors. This is near median its historical median of 23.56. Over the past decade, Philippinevings Bank's Pretax Margin % has ranged from 6.68 to 39.54. According to the industry distribution chart, Philippinevings Bank ranks #1183 out of 1525 companies in the Banks industry, placing it in the top 77.6%.
Is Philippinevings Bank's Pretax Margin % too high?
Philippinevings Bank's current Pretax Margin % of 22.71% is near median its 10-year median of 23.56. Over the past 10 years, this metric has ranged from a low of 6.68 to a high of 39.54. The Banks industry median Pretax Margin % is 35.37. Philippinevings Bank's value of 22.71% is 35.8% below this industry median. Based on the distribution chart, Philippinevings Bank ranks #1183 out of 1525 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 Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Philippinevings Bank ranks #1183 out of 1525 companies for Pretax Margin %. This places Philippinevings Bank in the lower half of its industry. The industry median Pretax Margin % is 35.37. Philippinevings Bank's value of 22.71% is 35.8% below this benchmark. Historically, Philippinevings Bank's own Pretax Margin % has ranged from 6.68 to 39.54 over the past decade. While the company's 10-year median is 23.56 vs. the industry median of 35.37, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 35.37, based on 1,525 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. Philippinevings Bank's current Pretax Margin % of 22.71% is 35.8% 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 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 Philippinevings Bank and its competitors. For the Banks industry, the median Pretax Margin % is 35.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippinevings Bank's current Pretax Margin % is 22.71%, which is near median its own 10-year median of 23.56. 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 Pretax Margin % is 22.71%, which is near median its 10-year median of 23.56 and 35.8% below the Banks industry median of 35.37. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Philippinevings Bank (PHS:PSB), the current Pretax Margin % is 22.71% 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 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:
Pretax Margin %: 22.71% (near median its 10-year median of 23.56)
GF Value™: ₱59.74 vs. price of ₱52.70 (11.8% below fair value)
Industry Position: 35.8% below the Banks median (#1183 of 1525)
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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