Philippine Trust Co (PHS:PTC) GF Value Rank: 7 (As of Jul. 02, 2026) — 40% Above Median


PHS:PTC Philippine Trust Co PHS:PTC
69 GF Score
Price ₱90.00
GF Value ₱100.66
Valuation Modestly Undervalued
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What is Philippine Trust Co GF Value Rank?

Philippine Trust Co PHS:PTC 69 GF Value Rank is 7 as of Jul. 02, 2026, which is 40% above its 10-year median of 5.00. GuruFocus rates PHS:PTC with a GF Score™ of 69/100 and a GF Value™ of ₱100.66 (Modestly Undervalued).

Philippine Trust Co has the GF Value Rank of 7.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Philippine Trust Co GF Value Rank Related Terms

Philippine Trust Co GF Value Rank Competitor Comparison

For the Banks - Regional subindustry, Philippine Trust Co's GF Value Rank, along with its competitors' market caps and GF Value Rank 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 GF Value Rank vs Banks Industry

For the Banks industry and Financial Services sector, Philippine Trust Co's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Philippine Trust Co's GF Value Rank falls into.


PHS:PTC
69GF Score
Philippine Trust Co PHS:PTC
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 7 mean?
Philippine Trust Co (PHS:PTC) has a GF Value Rank of 7 as of Jul. 02, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Philippine Trust Co and its competitors. This is 40% above median its historical median of 5.00. Over the past decade, Philippine Trust Co's GF Value Rank has ranged from 1.00 to 10.00.
Is Philippine Trust Co's GF Value Rank too high?
Philippine Trust Co's current GF Value Rank of 7 is 40% above median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Philippine Trust Co has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Trust Co's GF Value Rank compare to competitors?
Philippine Trust Co's GF Value Rank of 7 can be compared against companies in the Banks industry. Historically, Philippine Trust Co's own GF Value Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Philippine Trust Co and its competitors. Philippine Trust Co's current GF Value Rank is 7, which is 40% above median its own 10-year median of 5.00. 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 ₱100.66, compared to a current price of ₱90.00 — trading 10.6% below its estimated fair value. The current GF Value Rank is 7, which is 40% above median its 10-year median of 5.00. Philippine Trust Co's overall GF Score™ is 69/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Philippine Trust Co (PHS:PTC), the current GF Value Rank is 7 as of Jul. 02, 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 10.6% below its estimated GF Value™ of ₱100.66. GuruFocus considers Philippine Trust Co to be Modestly Undervalued.

Key valuation signals for PHS:PTC:

  • GF Value Rank: 7 (40% above median its 10-year median of 5.00)
  • GF Value™: ₱100.66 vs. price of ₱90.00 (10.6% below fair value)
  • GF Score™: 69/100

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 Business Description

Address 1000 United Nations Avenue corner San Marcelino Street, Philtrust Bank Building, Manila, PHL, 1007
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.
69GF Score

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GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱90.00
Price
₱100.66
GF Value