Stock RCB RIZAL COMMERCIAL BANKING CORPORATION
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Financials Rizal Commercial Banking Corporation

Equities

RCB

PHY7311H1463

Banks

End-of-day quote Philippines S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
23 PHP +2.00% Intraday chart for Rizal Commercial Banking Corporation +0.22% 0.00%
Apr. 15 Rizal Commercial Banking Corporation Announces Retirement of Elsie Servida Ramos as Senior Vice President 1 CI
Mar. 27 DoubleDragon Corporation Announces Change in Stock Transfer Agent CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 55,165 44,519 36,545 40,750 48,288 55,649
Enterprise Value (EV) 1 105,896 145,902 -18,375 49,054 58,263 -28,254
P/E ratio 10.9 x 8.27 x 7.78 x 6.47 x 4.37 x 4.53 x
Yield 1.56% 2.42% 2.57% 3.09% 4.56% -
Capitalization / Revenue 2.24 x 1.56 x 1.27 x 1.3 x 1.28 x 1.3 x
EV / Revenue 4.31 x 5.12 x -0.64 x 1.56 x 1.54 x -0.66 x
EV / EBITDA - - - - - -
EV / FCF - - - - - -
FCF Yield - - - - - -
Price to Book 0.68 x 0.54 x 0.42 x 0.42 x 0.47 x 0.4 x
Nbr of stocks (in thousands) 1,935,629 1,935,629 1,935,629 2,037,479 2,037,479 2,419,536
Reference price 2 28.50 23.00 18.88 20.00 23.70 23.00
Announcement Date 3/18/19 5/11/20 3/1/21 3/2/22 3/1/23 2/28/24
1PHP in Million2PHP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 24,596 28,475 28,726 31,381 37,859 42,930
EBITDA - - - - - -
EBIT - - - - - -
Operating Margin - - - - - -
Earnings before Tax (EBT) 1 5,193 6,663 6,493 7,811 13,648 13,515
Net income 1 4,320 5,387 5,020 7,082 12,080 12,218
Net margin 17.56% 18.92% 17.48% 22.57% 31.91% 28.46%
EPS 2 2.625 2.783 2.428 3.091 5.421 5.073
Free Cash Flow - - - - - -
FCF margin - - - - - -
FCF Conversion (EBITDA) - - - - - -
FCF Conversion (Net income) - - - - - -
Dividend per Share 2 0.4460 0.5560 0.4850 0.6180 1.080 -
Announcement Date 3/18/19 5/11/20 3/1/21 3/2/22 3/1/23 2/28/24
1PHP in Million2PHP
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 50,731 101,383 - 8,304 9,975 -
Net Cash position 1 - - 54,920 - - 83,903
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow - - - - - -
ROE (net income / shareholders' equity) 5.83% 6.57% 5.45% 6.67% 10.6% 9.1%
ROA (Net income/ Total Assets) 0.72% 0.76% 0.65% 0.82% 1.14% 1.02%
Assets 1 599,168 705,751 769,939 865,559 1,056,683 1,196,318
Book Value Per Share 2 41.90 42.80 44.90 47.40 50.00 57.00
Cash Flow per Share 2 27.00 46.60 76.10 60.10 60.40 54.00
Capex 1 1,214 2,245 1,764 1,333 1,627 3,716
Capex / Sales 4.94% 7.88% 6.14% 4.25% 4.3% 8.66%
Announcement Date 3/18/19 5/11/20 3/1/21 3/2/22 3/1/23 2/28/24
1PHP in Million2PHP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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