Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Philippine Trust Co's 3-Year RORE % for the quarter that ended in Mar. 2026 was -32.69%.
The industry rank for Philippine Trust Co's 3-Year RORE % or its related term are showing as below:
PHS:PTC's 3-Year RORE % is ranked worse than 91.3% of 1472
companies
in the Banks industry
Industry Median: 9.87
vs PHS:PTC: -32.69
Philippine Trust Co (PHS:PTC) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Philippine Trust Co 3-Year RORE % Related Terms
Philippine Trust Co 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Philippine Trust Co's 3-Year RORE % 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 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Philippine Trust Co's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Philippine Trust Co's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Philippine Trust Co's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Philippine Trust Co (PHS:PTC) has a 3-Year RORE % of -32.69 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Philippine Trust Co and its competitors. According to the industry distribution chart, Philippine Trust Co ranks #1344 out of 1472 companies in the Banks industry, placing it in the top 91.3%.
Is Philippine Trust Co's 3-Year RORE % too high?
Philippine Trust Co's current 3-Year RORE % is -32.69. Based on the distribution chart, Philippine Trust Co ranks #1344 out of 1472 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 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Philippine Trust Co ranks #1344 out of 1472 companies for 3-Year RORE %. This places Philippine Trust Co in the lower half of its industry. The industry median 3-Year RORE % is 9.87. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Philippine Trust Co and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Philippine Trust Co's current 3-Year RORE % is -32.69. 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 3-Year RORE % is -32.69. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Philippine Trust Co (PHS:PTC), the current 3-Year RORE % is -32.69 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:
3-Year RORE %: -32.69
GF Value™: ₱100.62 vs. price of ₱90.00 (10.6% below fair value)
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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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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