Philippine Trust Co (PHS:PTC) Scaled Net Operating Assets: 0.06 (As of Mar. 2026)


PHS:PTC Philippine Trust Co PHS:PTC
68 GF Score
Price ₱90.00
GF Value ₱100.61
Valuation Modestly Undervalued
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What is Philippine Trust Co Scaled Net Operating Assets?

Philippine Trust Co PHS:PTC 68 Scaled Net Operating Assets is 0.06 as of Mar. 2026. GuruFocus rates PHS:PTC with a GF Score™ of 68/100 and a GF Value™ of ₱100.61 (Modestly Undervalued).

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Philippine Trust Co's operating assets for the quarter that ended in Mar. 2026 was ₱157,057 Mil. Philippine Trust Co's operating liabilities for the quarter that ended in Mar. 2026 was ₱146,459 Mil. Philippine Trust Co's Total Assets for the quarter that ended in Dec. 2025 was ₱171,354 Mil. Therefore, Philippine Trust Co's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.06.

PHS:PTC
68GF Score
Philippine Trust Co PHS:PTC
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Philippine Trust Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Philippine Trust Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(151671.919-147388.785)/175471.176
=0.02

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=171354.03 - 19682.111
=151671.919

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=147504.624 - 115.839 - 0
=147388.785

Philippine Trust Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(157056.524-146458.644)/171354.03
=0.06

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=169521.562 - 12465.038
=157056.524

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=146458.644 - 0 - 0
=146458.644

* 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.

What does a Scaled Net Operating Assets of 0.06 mean?
Philippine Trust Co (PHS:PTC) has a Scaled Net Operating Assets of 0.06 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Philippine Trust Co and its competitors.
Is Philippine Trust Co's Scaled Net Operating Assets too high?
Philippine Trust Co's current Scaled Net Operating Assets is 0.06. Overall, Philippine Trust Co has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Philippine Trust Co's Scaled Net Operating Assets compare to competitors?
Philippine Trust Co's Scaled Net Operating Assets of 0.06 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Philippine Trust Co and its competitors. Philippine Trust Co's current Scaled Net Operating Assets is 0.06. 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 ₱100.61, compared to a current price of ₱90.00 — trading 10.5% below its estimated fair value. The current Scaled Net Operating Assets is 0.06. Philippine Trust Co's overall GF Score™ is 68/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Philippine Trust Co (PHS:PTC), the current Scaled Net Operating Assets is 0.06 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 10.5% below its estimated GF Value™ of ₱100.61. GuruFocus considers Philippine Trust Co to be Modestly Undervalued.

Key valuation signals for PHS:PTC:

  • Scaled Net Operating Assets: 0.06
  • GF Value™: ₱100.61 vs. price of ₱90.00 (10.5% below fair value)
  • GF Score™: 68/100

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.
68GF Score

Get the complete analysis for PHS:PTC

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

₱90.00
Price
₱100.61
GF Value