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Rizal Commercial BankingPHS:RCB -0.43%80 Shiller PE Ratio is 4.49 as of Aug. 02, 2026, which is 11% above its 10-year median of 4.03. GuruFocus rates PHS:RCB with a GF Score™ of 80/100 and a GF Value™ of ₱29.83 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,236 Banks companies, Rizal Commercial Banking ranks better than 94.5% on this metric.
The historical rank and industry rank for Rizal Commercial Banking's Shiller PE Ratio or its related term are showing as below:
PHS:RCB'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 2.45 Med: 4.03 Max: 9.61
Current: 4.51
During the past years, Rizal Commercial Banking's highest Shiller PE Ratio was 9.61. The lowest was 2.45. And the median was 4.03.
PHS:RCB's Shiller PE Ratio is ranked better than 94.5% of 1236
companies
in the Banks industry
Industry Median: 13.87
vs PHS:RCB: 4.51
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
Rizal Commercial Banking's adjusted earnings per share data for the three months ended in Mar. 2026 was ₱1.120. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is ₱5.10 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Rizal Commercial Banking (PHS:RCB) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
Rizal Commercial Banking Shiller PE Ratio Related Terms
Rizal Commercial Banking Shiller PE Ratio Historical Data
* 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.
Rizal Commercial Banking Shiller PE Ratio Competitor Comparison
For the Banks - Regional subindustry, Rizal Commercial Banking's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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.
Rizal Commercial Banking Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where Rizal Commercial Banking's Shiller PE Ratio falls into.
Rizal Commercial Banking Shiller PE Ratio Calculation
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
Rizal Commercial Banking (PHS:RCB) has a Shiller PE Ratio of 4.49 as of Aug. 02, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Rizal Commercial Banking and its competitors. This is 11% above median its historical median of 4.03. Over the past decade, Rizal Commercial Banking's Shiller PE Ratio has ranged from 2.45 to 9.61. According to the industry distribution chart, Rizal Commercial Banking ranks #68 out of 1236 companies in the Banks industry, placing it in the top 5.5%.
Is Rizal Commercial Banking's Shiller PE Ratio too high?
Rizal Commercial Banking's current Shiller PE Ratio of 4.49 is 11% above median its 10-year median of 4.03. Over the past 10 years, this metric has ranged from a low of 2.45 to a high of 9.61. The Banks industry median Shiller PE Ratio is 13.87. Rizal Commercial Banking's value of 4.49 is 67.6% below this industry median. Based on the distribution chart, Rizal Commercial Banking ranks #68 out of 1236 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Rizal Commercial Banking has a GF Score™ of 80/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's Shiller PE Ratio compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #68 out of 1236 companies for Shiller PE Ratio. This places Rizal Commercial Banking in the top 6% of its industry — outperforming the majority of peers. The industry median Shiller PE Ratio is 13.87. Rizal Commercial Banking's value of 4.49 is 67.6% below this benchmark. Historically, Rizal Commercial Banking's own Shiller PE Ratio has ranged from 2.45 to 9.61 over the past decade. While the company's 10-year median is 4.03 vs. the industry median of 13.87, Rizal Commercial Banking 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.87, based on 1,236 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Rizal Commercial Banking's current Shiller PE Ratio of 4.49 is 67.6% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on Rizal Commercial Banking and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Rizal Commercial Banking's current Shiller PE Ratio is 4.49, which is 11% above median its own 10-year median of 4.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rizal Commercial Banking stock overvalued right now?
Based on GuruFocus' analysis, Rizal Commercial Banking (PHS:RCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱29.83, compared to a current price of ₱22.90 — trading 23.2% below its estimated fair value. The current Shiller PE Ratio is 4.49, which is 11% above median its 10-year median of 4.03 and 67.6% below the Banks industry median of 13.87. Rizal Commercial Banking's overall GF Score™ is 80/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For Rizal Commercial Banking (PHS:RCB), the current Shiller PE Ratio is 4.49 as of Aug. 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 Rizal Commercial Banking (PHS:RCB) Overvalued in 2026?
Based on GuruFocus' analysis, Rizal Commercial Banking stock appears to be undervalued.
The current stock price of ₱22.90 is trading 23.2% below its estimated GF Value™ of ₱29.83.
GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.
Key valuation signals for PHS:RCB:
Shiller PE Ratio: 4.49 (11% above median its 10-year median of 4.03)
GF Value™: ₱29.83 vs. price of ₱22.90 (23.2% below fair value)
Industry Position: 67.6% below the Banks median (#68 of 1236)
No single metric tells the full story. See the PHS:RCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Rizal Commercial Banking Corporation is a bank. The company provides banking and financial products and services to its customers in the Philippines but also in Asia, Europe, and the United States. The bank operates in the below segments: Retail, Corporate, Small and Medium enterprises, Treasury, and Others. Of these segments, the contributor to revenue is the retail banking function, followed by corporate banking. Services provided to clients include checking and savings accounts, deposits, credit cards, consumer and commercial loans, money market and trading services, investment banking, foreign exchange, wealth management, economic and investment research, syndicated loans, and wholesale lending.
80GF Score
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