Philippinevings Bank (PHS:PSB) Intrinsic Value: Projected FCF : ₱144.62 (As of May. 13, 2024)

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What is Philippinevings Bank Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-05-13), Philippinevings Bank's Intrinsic Value: Projected FCF is ₱144.62. The stock price of Philippinevings Bank is ₱53.05. Therefore, Philippinevings Bank's Price-to-Intrinsic-Value-Projected-FCF of today is 0.4.

The historical rank and industry rank for Philippinevings Bank's Intrinsic Value: Projected FCF or its related term are showing as below:

PHS:PSB' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.16 Med: 0.55 Max: 3.23
Current: 0.37

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Philippinevings Bank was 3.23. The lowest was 0.16. And the median was 0.55.

PHS:PSB's Price-to-Projected-FCF is ranked better than
61.73% of 1223 companies
in the Banks industry
Industry Median: 0.45 vs PHS:PSB: 0.37

Philippinevings Bank Intrinsic Value: Projected FCF Historical Data

The historical data trend for Philippinevings Bank's Intrinsic Value: Projected FCF can be seen below:

* 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.

* Premium members only.

Philippinevings Bank Intrinsic Value: Projected FCF Chart

Philippinevings Bank Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Intrinsic Value: Projected FCF

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30.51

76.52

357.78

343.81

144.62

Philippinevings Bank Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Intrinsic Value: Projected FCF	Get a 7-Day Free Trial															343.81	287.54	173.21	130.15	144.62

Competitive Comparison of Philippinevings Bank's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, Philippinevings Bank's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Philippinevings Bank's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Philippinevings Bank's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where Philippinevings Bank's Price-to-Projected-FCF falls into.

Philippinevings Bank Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)

Add all the Free Cash Flow together and divide 6 will get Philippinevings Bank's Free Cash Flow(6 year avg) = ₱3,110.19.

Philippinevings Bank's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF	=	(Growth Multiple	*	Free Cash Flow (6 year avg)	+	Total Stockholders Equity (Dec23)	*	0.8)	/	Shares Outstanding (Diluted Average)
	=	(9.5203515959648	*	3110.18768	+	40154.158	*	0.8)	/	426.859
	=	144.62

Philippinevings Bank (PHS:PSB) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

Philippinevings Bank's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF	=	Share Price	/	Intrinsic Value: Projected FCF
	=	53.05	/	144.62247871789
	=	0.37

Philippinevings Bank Intrinsic Value: Projected FCF Related Terms

Thank you for viewing the detailed overview of Philippinevings Bank's Intrinsic Value: Projected FCF provided by GuruFocus.com. Please click on the following links to see related term pages.

Philippinevings Bank (PHS:PSB) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Philippine Savings Bank (PHS:PSB) » Definitions » Intrinsic Value: Projected FCF

Comparable Companies

Traded in Other Exchanges

N/A

Address

777 Paseo de Roxas Avenue corner Sedeno Street, PSBank Center, Makati City, PHL, 1226

Website

https://www.psbank.com.ph

Philippine Savings Bank is a consumer banking company. Its services can be summed up as deposits, loans, treasury, and trust functions offered to the consumer and commercial market. The company structures its business into segments, such as Consumer Banking, Corporate Banking, Branch Banking, and Treasury. The consumer and corporate banking segments cater to the consumer and corporate customers respectively. The branch banking segment integrates the services provided by the consumer and corporate banking segments. Under the treasury banking segment, the company handles the money market and trading activities.