Philippine Savings Bank

PSE:PSB Stock Report

Market Cap: ₱24.8b

Philippine Savings Bank Past Earnings Performance

Past criteria checks 5/6

Philippine Savings Bank has been growing earnings at an average annual rate of 20.7%, while the Banks industry saw earnings growing at 17.4% annually. Revenues have been growing at an average rate of 5.5% per year. Philippine Savings Bank's return on equity is 11.9%, and it has net margins of 35.5%.

Key information

20.7%

Earnings growth rate

19.8%

EPS growth rate

Banks Industry Growth13.5%
Revenue growth rate5.5%
Return on equity11.9%
Net Margin35.5%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

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

Earnings and Revenue History

PSE:PSB Revenue, expenses and earnings (PHP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2414,5645,1645,8750
30 Jun 2414,3864,9265,7410
31 Mar 2414,2244,7585,6070
31 Dec 2313,7064,5315,4740
30 Sep 2313,7894,1955,3920
30 Jun 2313,5844,0115,3200
31 Mar 2313,5593,7685,2600
31 Dec 2213,8183,6785,1760
30 Sep 2213,9293,1325,1020
30 Jun 2213,6522,4965,0470
31 Mar 2212,9591,9895,0090
31 Dec 2112,0901,5395,0950
30 Sep 2110,7251,0385,1910
30 Jun 219,5606945,3060
31 Mar 219,8349015,3240
31 Dec 2010,1721,1085,3870
30 Sep 2011,3462,1845,4220
30 Jun 2012,6262,9605,4150
31 Mar 2012,5002,9945,4420
31 Dec 1912,3873,0285,2760
30 Sep 1911,8872,8315,1900
30 Jun 1911,7012,6955,1610
31 Mar 1911,9862,7265,2090
31 Dec 1812,0612,6625,3130
30 Sep 1812,3042,7835,3800
30 Jun 1812,2802,8045,3790
31 Mar 1812,0312,7605,3750
31 Dec 1711,6192,6545,2480
30 Sep 1711,0832,4625,1280
30 Jun 1710,7102,4754,9300
31 Mar 1710,4592,5274,6850
31 Dec 1610,2562,4514,6780
30 Sep 169,9802,4854,5480
30 Jun 169,6542,3754,4510
31 Mar 169,4082,3994,3840
31 Dec 159,2132,3514,1860
30 Sep 158,9952,1764,1560
30 Jun 159,1302,3214,0930
31 Mar 158,8732,2374,0150
31 Dec 148,8252,3193,9690
30 Sep 148,2121,5993,8900
30 Jun 147,5351,1843,7550
31 Mar 147,9321,3593,6200

Quality Earnings: PSB has high quality earnings.

Growing Profit Margin: PSB's current net profit margins (35.5%) are higher than last year (30.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PSB's earnings have grown significantly by 20.7% per year over the past 5 years.

Accelerating Growth: PSB's earnings growth over the past year (23.1%) exceeds its 5-year average (20.7% per year).

Earnings vs Industry: PSB earnings growth over the past year (23.1%) exceeded the Banks industry 17.4%.

Return on Equity

High ROE: PSB's Return on Equity (11.9%) 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 Analysis2025/02/15 09:04
End of Day Share Price 2025/02/14 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.

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 Github.

Analyst Sources

Philippine Savings Bank is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.