Philippine Trust CoPHS:PTC 68 Pretax Margin % is 39.38% as of Mar. 2026, which is 2% below its 10-year median of 40.05. GuruFocus rates PHS:PTC with a GF Score™ of 68/100 and a GF Value™ of ₱100.61 (Modestly Undervalued). Among 1,526 Banks companies, Philippine Trust Co ranks worse than 56.82% on this metric.
The historical rank and industry rank for Philippine Trust Co's Pretax Margin % or its related term are showing as below:
PHS:PTC'
s Pretax Margin % Range Over the Past 10 Years
Min: 31.72 Med: 40.05 Max: 56.48
Current: 32.49
PHS:PTC's Pretax Margin % is ranked worse than 56.82% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs PHS:PTC: 32.49
Philippine Trust Co (PHS:PTC) 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 Trust Co Pretax Margin % Related Terms
Philippine Trust Co Pretax Margin % Historical Data
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The historical data trend for Philippine Trust Co'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.
Philippine Trust Co Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Philippine Trust Co'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 Trust Co Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Trust Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Philippine Trust Co'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 Trust Co (PHS:PTC) has a Pretax Margin % of 39.38% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Philippine Trust Co and its competitors. This is near median its historical median of 40.05. Over the past decade, Philippine Trust Co's Pretax Margin % has ranged from 31.72 to 56.48. According to the industry distribution chart, Philippine Trust Co ranks #867 out of 1526 companies in the Banks industry, placing it in the top 56.8%.
Is Philippine Trust Co's Pretax Margin % too high?
Philippine Trust Co's current Pretax Margin % of 39.38% is near median its 10-year median of 40.05. Over the past 10 years, this metric has ranged from a low of 31.72 to a high of 56.48. The Banks industry median Pretax Margin % is 34.89. Philippine Trust Co's value of 39.38% is 12.9% above this industry median. Based on the distribution chart, Philippine Trust Co ranks #867 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Philippine Trust Co has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Trust Co's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Philippine Trust Co ranks #867 out of 1526 companies for Pretax Margin %. This places Philippine Trust Co in the lower half of its industry. The industry median Pretax Margin % is 34.89. Philippine Trust Co's value of 39.38% is 12.9% above this benchmark. Historically, Philippine Trust Co's own Pretax Margin % has ranged from 31.72 to 56.48 over the past decade. While the company's 10-year median is 40.05 vs. the industry median of 34.89, Philippine Trust Co has consistently been above 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 Trust Co's current Pretax Margin % of 39.38% is 12.9% above 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 Trust Co 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 Trust Co's current Pretax Margin % is 39.38%, which is near median its own 10-year median of 40.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Philippine Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Philippine Trust Co (PHS:PTC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱100.61, compared to a current price of ₱90.00 — trading 10.5% below its estimated fair value. The current Pretax Margin % is 39.38%, which is near median its 10-year median of 40.05 and 12.9% above the Banks industry median of 34.89. Philippine Trust Co's overall GF Score™ is 68/100. 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 Trust Co (PHS:PTC), the current Pretax Margin % is 39.38% 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 Trust Co (PHS:PTC) Overvalued in 2026?
Based on GuruFocus' analysis, Philippine Trust Co stock appears to be undervalued.
The current stock price of ₱90.00 is trading 10.5% below its estimated GF Value™ of ₱100.61.
GuruFocus considers Philippine Trust Co to be Modestly Undervalued.
Key valuation signals for PHS:PTC:
Pretax Margin %: 39.38% (near median its 10-year median of 40.05)
GF Value™: ₱100.61 vs. price of ₱90.00 (10.5% below fair value)
Industry Position: 12.9% above the Banks median (#867 of 1526)
No single metric tells the full story. See the PHS:PTC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Philippine Trust Co is engaged in the commercial banking business. It offers various products and services such as deposit products, loans, international services, treasury, and trust functions. The company also provides investment management, estate administration, escrow services, insurance and pension plans, stock registry, and transfer services. Its services are offered through a network of branch offices and ATMs located across different regions in the Philippines. The company operates in two key business segments: Lending, which generates maximum revenue, and Treasury operations.
68GF Score
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