Philippine Trust CoPHS:PTC 70 Return-on-Tangible-Asset is 0.55% as of Mar. 2026, which is 6% above its 10-year median of 0.52. GuruFocus rates PHS:PTC with a GF Score™ of 70/100 and a GF Value™ of ₱100.66 (Modestly Undervalued). Among 1,530 Banks companies, Philippine Trust Co ranks worse than 89.35% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Philippine Trust Co's annualizedNet Income for the quarter that ended in Mar. 2026 was ₱945 Mil. Philippine Trust Co's average total tangible assets for the quarter that ended in Mar. 2026 was ₱170,425 Mil. Therefore, Philippine Trust Co's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.55%.
The historical rank and industry rank for Philippine Trust Co's Return-on-Tangible-Asset or its related term are showing as below:
PHS:PTC'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.16 Med: 0.52 Max: 1.05
Current: 0.23
During the past 13 years, Philippine Trust Co's highest Return-on-Tangible-Asset was 1.05%. The lowest was 0.16%. And the median was 0.52%.
PHS:PTC's Return-on-Tangible-Asset is ranked worse than 89.35% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs PHS:PTC: 0.23
Philippine Trust Co (PHS:PTC) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Philippine Trust Co Return-on-Tangible-Asset Related Terms
Philippine Trust Co Return-on-Tangible-Asset Historical Data
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The historical data trend for Philippine Trust Co's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
Philippine Trust Co Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Philippine Trust Co's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Trust Co's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Philippine Trust Co's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 0.55% mean?
Philippine Trust Co (PHS:PTC) has a Return-on-Tangible-Asset of 0.55% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Philippine Trust Co and its competitors. This is near median its historical median of 0.52. Over the past decade, Philippine Trust Co's Return-on-Tangible-Asset has ranged from 0.16 to 1.05. According to the industry distribution chart, Philippine Trust Co ranks #1367 out of 1530 companies in the Banks industry, placing it in the top 89.3%.
Is Philippine Trust Co's Return-on-Tangible-Asset too high?
Philippine Trust Co's current Return-on-Tangible-Asset of 0.55% is near median its 10-year median of 0.52. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 1.05. The Banks industry median Return-on-Tangible-Asset is 0.99. Philippine Trust Co's value of 0.55% is 44.4% below this industry median. Based on the distribution chart, Philippine Trust Co ranks #1367 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Philippine Trust Co has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Trust Co's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Philippine Trust Co ranks #1367 out of 1530 companies for Return-on-Tangible-Asset. This places Philippine Trust Co in the lower half of its industry. The industry median Return-on-Tangible-Asset is 0.99. Philippine Trust Co's value of 0.55% is 44.4% below this benchmark. Historically, Philippine Trust Co's own Return-on-Tangible-Asset has ranged from 0.16 to 1.05 over the past decade. While the company's 10-year median is 0.52 vs. the industry median of 0.99, Philippine Trust Co 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Philippine Trust Co's current Return-on-Tangible-Asset of 0.55% is 44.4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Philippine Trust Co and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Trust Co's current Return-on-Tangible-Asset is 0.55%, which is near median its own 10-year median of 0.52. 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 Return-on-Tangible-Asset is 0.55%, which is near median its 10-year median of 0.52 and 44.4% below the Banks industry median of 0.99. Philippine Trust Co's overall GF Score™ is 70/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Philippine Trust Co (PHS:PTC), the current Return-on-Tangible-Asset is 0.55% 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 10.6% below its estimated GF Value™ of ₱100.66.
GuruFocus considers Philippine Trust Co to be Modestly Undervalued.
Key valuation signals for PHS:PTC:
Return-on-Tangible-Asset: 0.55% (near median its 10-year median of 0.52)
GF Value™: ₱100.66 vs. price of ₱90.00 (10.6% below fair value)
Industry Position: 44.4% below the Banks median (#1367 of 1530)
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.
70GF Score
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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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