Rizal Commercial Banking Corporation

PSE:RCB Stock Report

Market Cap: ₱60.4b

Rizal Commercial Banking Past Earnings Performance

Past criteria checks 2/6

Rizal Commercial Banking has been growing earnings at an average annual rate of 17.4%, while the Banks industry saw earnings growing at 17.4% annually. Revenues have been growing at an average rate of 10.4% per year. Rizal Commercial Banking's return on equity is 5.9%, and it has net margins of 18.8%.

Key information

17.4%

Earnings growth rate

15.2%

EPS growth rate

Banks Industry Growth13.5%
Revenue growth rate10.4%
Return on equity5.9%
Net Margin18.8%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Rizal Commercial Banking makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

PSE:RCB Revenue, expenses and earnings (PHP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2444,0908,27915,4710
30 Jun 2444,3339,36215,1470
31 Mar 2441,9979,73014,6880
31 Dec 2342,93011,15014,2780
30 Sep 2338,5259,71613,7340
30 Jun 2338,85611,63313,4370
31 Mar 2341,36413,57013,2800
31 Dec 2238,21711,04312,8300
30 Sep 2238,58410,07212,4020
30 Jun 2235,2657,89212,4210
31 Mar 2231,6576,65412,4530
31 Dec 2131,3816,11812,5350
30 Sep 2129,4626,03513,0830
30 Jun 2127,9344,91412,9070
31 Mar 2127,7953,50012,5680
31 Dec 2028,5384,70012,6570
30 Sep 2028,0884,87712,4450
30 Jun 2030,0575,83612,5090
31 Mar 2029,8506,39012,5950
31 Dec 1929,0775,38712,4140
30 Sep 1929,1005,62312,5430
30 Jun 1926,7934,81912,3820
31 Mar 1925,6694,49212,2780
31 Dec 1824,5964,32012,0770
30 Sep 1824,1414,11211,9290
30 Jun 1823,5904,12411,6980
31 Mar 1823,6364,43911,5420
31 Dec 1722,9664,30811,4130
30 Sep 1721,8183,77411,1280
30 Jun 1721,4023,60610,8700
31 Mar 1720,6693,06910,5590
31 Dec 1621,0513,86810,3210
30 Sep 1621,0914,05110,2360
30 Jun 1620,8974,2699,9000
31 Mar 1620,4034,3869,5550
31 Dec 1520,1074,1879,2380
30 Sep 1520,3303,8389,0670
30 Jun 1520,2763,8708,9230
31 Mar 1519,3403,0428,6720
31 Dec 1419,5603,9698,4380
30 Sep 1419,7693,9618,3620
30 Jun 1420,4194,3588,1720
31 Mar 1421,4995,6608,0190
31 Dec 1321,2484,9037,9210

Quality Earnings: RCB has high quality earnings.

Growing Profit Margin: RCB's current net profit margins (18.8%) are lower than last year (25.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: RCB's earnings have grown by 17.4% per year over the past 5 years.

Accelerating Growth: RCB's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: RCB had negative earnings growth (-14.8%) over the past year, making it difficult to compare to the Banks industry average (17.4%).

Return on Equity

High ROE: RCB's Return on Equity (5.9%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/21 04:45
End of Day Share Price 2024/12/20 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

Rizal Commercial Banking Corporation is covered by 10 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.

AnalystInstitution
Alfred DyCLSA
null nullCLSA
Gilbert LopezCredit Suisse