Philippine Trust CoPHS:PTC 62 Return-on-Tangible-Equity is 4.03% as of Mar. 2026, which is 16% above its 10-year median of 3.47. GuruFocus rates PHS:PTC with a GF Score™ of 62/100 and a GF Value™ of ₱100.62 (Modestly Undervalued). Among 1,525 Banks companies, Philippine Trust Co ranks worse than 92.85% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Philippine Trust Co's annualized net income for the quarter that ended in Mar. 2026 was ₱945 Mil. Philippine Trust Co's average shareholder tangible equity for the quarter that ended in Mar. 2026 was ₱23,443 Mil. Therefore, Philippine Trust Co's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 4.03%.
The historical rank and industry rank for Philippine Trust Co's Return-on-Tangible-Equity or its related term are showing as below:
PHS:PTC'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.16 Med: 3.47 Max: 6.94
Current: 1.75
During the past 13 years, Philippine Trust Co's highest Return-on-Tangible-Equity was 6.94%. The lowest was 1.16%. And the median was 3.47%.
PHS:PTC's Return-on-Tangible-Equity is ranked worse than 92.85% of 1525
companies
in the Banks industry
Industry Median: 11.21
vs PHS:PTC: 1.75
Philippine Trust Co (PHS:PTC) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Philippine Trust Co Return-on-Tangible-Equity Related Terms
Philippine Trust Co Return-on-Tangible-Equity Historical Data
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The historical data trend for Philippine Trust Co's Return-on-Tangible-Equity 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-Equity Chart
Philippine Trust Co Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Philippine Trust Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Trust Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Philippine Trust Co's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 4.03% mean?
Philippine Trust Co (PHS:PTC) has a Return-on-Tangible-Equity of 4.03% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Philippine Trust Co and its competitors. This is 16% above median its historical median of 3.47. Over the past decade, Philippine Trust Co's Return-on-Tangible-Equity has ranged from 1.16 to 6.94. According to the industry distribution chart, Philippine Trust Co ranks #1416 out of 1525 companies in the Banks industry, placing it in the top 92.9%.
Is Philippine Trust Co's Return-on-Tangible-Equity too high?
Philippine Trust Co's current Return-on-Tangible-Equity of 4.03% is 16% above median its 10-year median of 3.47. Over the past 10 years, this metric has ranged from a low of 1.16 to a high of 6.94. The Banks industry median Return-on-Tangible-Equity is 11.21. Philippine Trust Co's value of 4.03% is 64% below this industry median. Based on the distribution chart, Philippine Trust Co ranks #1416 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Philippine Trust Co 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 Trust Co's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Philippine Trust Co ranks #1416 out of 1525 companies for Return-on-Tangible-Equity. This places Philippine Trust Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.21. Philippine Trust Co's value of 4.03% is 64% below this benchmark. Historically, Philippine Trust Co's own Return-on-Tangible-Equity has ranged from 1.16 to 6.94 over the past decade. While the company's 10-year median is 3.47 vs. the industry median of 11.21, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,525 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 4.03% is 64% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Philippine Trust Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — 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-Equity is 4.03%, which is 16% above median its own 10-year median of 3.47. 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 ₱100.62, compared to a current price of ₱90.00 — trading 10.6% below its estimated fair value. The current Return-on-Tangible-Equity is 4.03%, which is 16% above median its 10-year median of 3.47 and 64% below the Banks industry median of 11.21. Philippine Trust Co's overall GF Score™ is 62/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Philippine Trust Co (PHS:PTC), the current Return-on-Tangible-Equity is 4.03% 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 ₱100.62.
GuruFocus considers Philippine Trust Co to be Modestly Undervalued.
Key valuation signals for PHS:PTC:
Return-on-Tangible-Equity: 4.03% (16% above median its 10-year median of 3.47)
GF Value™: ₱100.62 vs. price of ₱90.00 (10.6% below fair value)
Industry Position: 64% below the Banks median (#1416 of 1525)
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.
62GF Score
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