Philippine Savings Bank Past Earnings Performance
Past criteria checks 4/6
Philippine Savings Bank has been growing earnings at an average annual rate of 10.3%, while the Banks industry saw earnings growing at 13.2% annually. Revenues have been growing at an average rate of 3.8% per year. Philippine Savings Bank's return on equity is 11.3%, and it has net margins of 33.1%.
Key information
10.3%
Earnings growth rate
3.8%
EPS growth rate
| Banks Industry Growth | 13.5% |
| Revenue growth rate | 3.8% |
| Return on equity | 11.3% |
| Net Margin | 33.1% |
| Last Earnings Update | 31 Dec 2023 |
Recent past performance updates
Recent updates
Revenue & Expenses BreakdownBeta
How Philippine Savings Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 23 | 13,706 | 4,531 | 5,474 | 0 |
| 30 Sep 23 | 13,789 | 4,195 | 5,392 | 0 |
| 30 Jun 23 | 13,584 | 4,011 | 5,320 | 0 |
| 31 Mar 23 | 13,559 | 3,768 | 5,260 | 0 |
| 31 Dec 22 | 13,818 | 3,678 | 5,176 | 0 |
| 30 Sep 22 | 13,929 | 3,132 | 5,102 | 0 |
| 30 Jun 22 | 13,652 | 2,496 | 5,047 | 0 |
| 31 Mar 22 | 12,959 | 1,989 | 5,009 | 0 |
| 31 Dec 21 | 12,090 | 1,539 | 5,095 | 0 |
| 30 Sep 21 | 10,725 | 1,038 | 5,191 | 0 |
| 30 Jun 21 | 9,560 | 694 | 5,306 | 0 |
| 31 Mar 21 | 9,834 | 901 | 5,324 | 0 |
| 31 Dec 20 | 10,172 | 1,108 | 5,387 | 0 |
| 30 Sep 20 | 11,346 | 2,184 | 5,422 | 0 |
| 30 Jun 20 | 12,626 | 2,960 | 5,415 | 0 |
| 31 Mar 20 | 12,500 | 2,994 | 5,442 | 0 |
| 31 Dec 19 | 12,387 | 3,028 | 5,276 | 0 |
| 30 Sep 19 | 11,887 | 2,831 | 5,190 | 0 |
| 30 Jun 19 | 11,701 | 2,695 | 5,161 | 0 |
| 31 Mar 19 | 11,986 | 2,726 | 5,209 | 0 |
| 31 Dec 18 | 12,061 | 2,662 | 5,313 | 0 |
| 30 Sep 18 | 12,304 | 2,783 | 5,380 | 0 |
| 30 Jun 18 | 12,280 | 2,804 | 5,379 | 0 |
| 31 Mar 18 | 12,031 | 2,760 | 5,375 | 0 |
| 31 Dec 17 | 11,619 | 2,654 | 5,248 | 0 |
| 30 Sep 17 | 11,083 | 2,462 | 5,128 | 0 |
| 30 Jun 17 | 10,710 | 2,475 | 4,930 | 0 |
| 31 Mar 17 | 10,459 | 2,527 | 4,685 | 0 |
| 31 Dec 16 | 10,256 | 2,451 | 4,678 | 0 |
| 30 Sep 16 | 9,980 | 2,485 | 4,548 | 0 |
| 30 Jun 16 | 9,654 | 2,375 | 4,451 | 0 |
| 31 Mar 16 | 9,408 | 2,399 | 4,384 | 0 |
| 31 Dec 15 | 9,213 | 2,351 | 4,186 | 0 |
| 30 Sep 15 | 8,995 | 2,176 | 4,156 | 0 |
| 30 Jun 15 | 9,130 | 2,321 | 4,093 | 0 |
| 31 Mar 15 | 8,873 | 2,237 | 4,015 | 0 |
| 31 Dec 14 | 8,825 | 2,319 | 3,969 | 0 |
| 30 Sep 14 | 8,212 | 1,599 | 3,890 | 0 |
| 30 Jun 14 | 7,535 | 1,184 | 3,755 | 0 |
| 31 Mar 14 | 7,932 | 1,359 | 3,620 | 0 |
| 31 Dec 13 | 10,035 | 2,928 | 3,614 | 0 |
| 30 Sep 13 | 10,489 | 3,718 | 3,559 | 0 |
| 30 Jun 13 | 10,273 | 3,772 | 3,501 | 0 |
Quality Earnings: PSB has high quality earnings.
Growing Profit Margin: PSB's current net profit margins (33.1%) are higher than last year (26.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: PSB's earnings have grown by 10.3% per year over the past 5 years.
Accelerating Growth: PSB's earnings growth over the past year (23.2%) exceeds its 5-year average (10.3% per year).
Earnings vs Industry: PSB earnings growth over the past year (23.2%) did not outperform the Banks industry 28.9%.
Return on Equity
High ROE: PSB's Return on Equity (11.3%) is considered low.