Philippine National Bank

PSE:PNB Stock Report

Market Cap: ₱42.3b

Philippine National Bank Past Earnings Performance

Past criteria checks 5/6

Philippine National Bank has been growing earnings at an average annual rate of 14.1%, while the Banks industry saw earnings growing at 17.4% annually. Revenues have been growing at an average rate of 7.8% per year. Philippine National Bank's return on equity is 9.3%, and it has net margins of 36%.

Key information

14.1%

Earnings growth rate

13.0%

EPS growth rate

Banks Industry Growth13.5%
Revenue growth rate7.8%
Return on equity9.3%
Net Margin36.0%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Philippine National Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

PSE:PNB Revenue, expenses and earnings (PHP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2453,89919,41016,6000
30 Jun 2450,45818,44016,2480
31 Mar 2451,26018,44316,3130
31 Dec 2351,60317,97916,1510
30 Sep 2346,12813,74415,9320
30 Jun 2343,36510,24915,6600
31 Mar 2348,00913,53115,9820
31 Dec 2244,91411,53216,1590
30 Sep 2256,75419,44915,5440
30 Jun 2258,99521,34815,6150
31 Mar 2267,73833,42115,3100
31 Dec 2166,27132,36614,6750
30 Sep 2150,24222,84115,6890
30 Jun 2150,14723,15515,6150
31 Mar 2128,8922,83615,0780
31 Dec 2028,4252,40415,0500
30 Sep 2034,7317,03014,7740
30 Jun 2035,0596,96614,6360
31 Mar 2038,3419,01814,5110
31 Dec 1938,2949,58214,3940
30 Sep 1937,6818,08715,2330
30 Jun 1936,0117,70115,0000
31 Mar 1938,3259,72114,6730
31 Dec 1837,1649,68514,2120
30 Sep 1838,26211,34213,6010
30 Jun 1837,35111,15413,4180
31 Mar 1832,6168,51813,2620
31 Dec 1731,7288,16113,3180
30 Sep 1725,9594,26612,1190
30 Jun 1724,7453,59512,3560
31 Mar 1724,6213,47912,3120
31 Dec 1626,0244,79412,4640
30 Sep 1628,7056,52812,7240
30 Jun 1628,4416,34312,2480
31 Mar 1628,2167,22912,2180
01 Jan 1625,2295,77311,8820
30 Sep 1523,7535,75911,3880
30 Jun 1523,1115,23911,3000
31 Mar 1523,1544,85411,3540
31 Dec 1423,5995,09510,9150
30 Sep 1421,4452,83611,2700
30 Jun 1421,3193,03311,1960
31 Mar 1421,4123,65910,3810

Quality Earnings: PNB has high quality earnings.

Growing Profit Margin: PNB's current net profit margins (36%) are higher than last year (29.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PNB's earnings have grown by 14.1% per year over the past 5 years.

Accelerating Growth: PNB's earnings growth over the past year (41.2%) exceeds its 5-year average (14.1% per year).

Earnings vs Industry: PNB earnings growth over the past year (41.2%) exceeded the Banks industry 17.4%.

Return on Equity

High ROE: PNB's Return on Equity (9.3%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/31 01:41
End of Day Share Price 2024/12/27 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Philippine National Bank is covered by 20 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Minda OlonanCitigroup Inc
Alfred DyCLSA
Charmaine CoCOL Financial Group, Inc