PLDT Inc (TEL) fair value: what the stock is really worth
As of Oct 30, 2026: fair value (intrinsic value) of PLDT Inc stock PHP 1,150, price PHP 1,122, upside +2.5%, quality 50 out of 100. Rating: fairly valued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 2, 2026.
How to read this chart
60‑month range 876.73 PHP – 1,501 PHP · fair‑value band 689.67 PHP – 2,046 PHP · the 1,122 PHP price screens below the 1,150 PHP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 2, 2026.
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PLDT Inc (TEL) currently trades at 1,122 PHP, while our model-based Fair Value estimate is 1,150 PHP, so the stock looks roughly fairly valued today (gap 2.5%).
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 1,910 PHP per share, and 8 of the 24 models we run sit above the 1,122 PHP price.
Bear case: the Asset-Based group reads lowest at 153.50 PHP, and 16 of the 24 models stay below the price. Data coverage for this calculation is low.
Scenario range: 689.67 PHP (bear) to 2,046 PHP (bull), the price of 1,122 PHP sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (solid quality), in the Technology sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
PLDT Inc reported revenue of 218B PHP in FY2025 versus 193B PHP in FY2021, a compound +3.1%/yr. Reported net income was 30.0B PHP in FY2025, compounding +3.3%/yr from FY2021.
Key figures
Market cap 306B PHP (≈ $4.8B) Mid · P/E ratio 13.6 · P/S ratio 1.87 · EPS (TTM) 104.30 PHP · Dividend yield 6.7% · Net margin 13.7% · Return on assets (EBIT) 6.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 58 out of 100 (medium confidence).
What moves the price
The share trades about 15% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −3% fair-value upside, at 3%, TEL screens cheaper than that median.
Fair Value models
Bear689.67 PHPFair Value 1,150 PHPBull2,046 PHP
Price 1,122 PHP · Upside +2.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (87.44 PHP per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.60/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+0.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.8%
Start year 2020 (pandemic). Over 10 years: +2.5% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.5%
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What shareholders gained per year (last 5 years), in PHP ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in PHP: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+11.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.3%
Dividend (yield on the price)6.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.4.3% vs 4.1%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.22% → 25%
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Telecommunications Services” was too small, so the broader sector is used.)Communication Services · 1084 stocks
Beats the sector median on 4/9 measures
A mixed picture versus its sector peers.
Valuation
Quality Score50 · Below median
Fair Value upside+2.5% · Below median
Profitability
Return on assets4.7% · Above median
Net margin (12 months)13.7% · Top 25%
Operating margin (12 months)0.0% · Below median
Growth and dividend
Revenue growth (quarter YoY)0.0% · Below median
Dividend yield (12 months)6.7% · Top 25%
Balance sheet
Debt / equity2.20× · Highest 25%
Valuation Multiplesvs Communication Services median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "PLDT Inc Fair Value". https://www.fairvalue-calculator.com/stock/TEL.PSE
Frequently asked questions
Is PLDT Inc (TEL) overvalued or undervalued?
As of Nov 2, 2026, our model estimates a fair value of 1,150 PHP versus a price of 1,122 PHP, about +3% upside (fairly valued).
What is the fair value of TEL?
Our model-based fair value for PLDT Inc is 1,150 PHP (as of Nov 2, 2026), built from audited fundamentals. The current price: 1,122 PHP.
What is the quality score of TEL?
PLDT Inc has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for PLDT Inc (TEL)?
Our model-based price target is the fair value of 1,150 PHP (as of Nov 2, 2026) from 24 valuation models. Cautious scenario 689.67 PHP, optimistic scenario 2,046 PHP. It is a calculation from audited fundamentals, not an analyst target.
What is the PLDT Inc stock forecast for 2026?
Our models put fair value at 1,150 PHP, about +3% upside versus a price of 1,122 PHP (fairly valued). Cautious scenario 689.67 PHP, optimistic scenario 2,046 PHP. The calculation is refreshed regularly with new filings.
Does PLDT Inc pay a dividend?
PLDT Inc currently shows a dividend yield of 6.73% relative to its recent price (as of Nov 2, 2026).
What is the intrinsic value of PLDT Inc (TEL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For PLDT Inc it is 1,150 PHP per share (as of Nov 2, 2026), against a price of 1,122 PHP. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is PLDT Inc stock overvalued or undervalued in 2026?
As of Nov 2, 2026, TEL trades below its calculated fair value: price 1,122 PHP, fair value 1,150 PHP, a gap of about +3% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of TEL?
No. The price is what the market pays today (1,122 PHP); the fair value is what the company's own numbers justify (1,150 PHP). For PLDT Inc the two are 28.19 PHP per share apart. That gap is exactly why we show both numbers side by side.
How much is PLDT Inc worth?
The market values PLDT Inc at about 306B PHP (market capitalisation, as of Nov 2, 2026). Per share that is 1,122 PHP; our models calculate a fair value of 1,150 PHP per share.
What do the bullish and bearish scenarios say about TEL?
Our models span a range for PLDT Inc: cautious scenario 689.67 PHP, base 1,150 PHP, optimistic 2,046 PHP per share (as of Nov 2, 2026, price 1,122 PHP). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of TEL?
PLDT Inc trades at a price-to-earnings ratio of 13.6 (as of Nov 2, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1,150 PHP is built from several models across several years.
How solid is the balance sheet of PLDT Inc (TEL)?
Balance-sheet figures for PLDT Inc (as of Nov 2, 2026): debt of 2.20 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is TEL from its 52-week high?
PLDT Inc trades at 1,122 PHP, about 15% below its 52-week high of 1,323 PHP and 8% above the low of 1,037 PHP (as of Oct 30, 2026). Distance from the high says nothing about value: that is what the fair value of 1,150 PHP is for.
Which stocks are comparable to PLDT Inc?
From the same area (Technology) we also value MTELEKOM, GLO, CNVRG, NVIDIA Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is PLDT Inc stock attractive at the current price?
The data as of Nov 2, 2026: price 1,122 PHP, calculated fair value 1,150 PHP (+3%), Quality Score 50/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of TEL calculated?
We run PLDT Inc through 24 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 1,150 PHP, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.9 % above its aggregate fair value. PLDT Inc currently trades 2 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of PLDT Inc (TEL)?
The closing price on Oct 30, 2026 was 1,122 PHP. Our model-based fair value is 1,150 PHP, about +3% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with PLDT Inc right now?
The model range is unusually wide (689.67 PHP to 2,046 PHP). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Key figures of PLDT Inc
How large is the market capitalisation of PLDT Inc (TEL)?
The market capitalisation of PLDT Inc is 306B PHP (≈ $4.8B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of PLDT Inc (TEL)?
The price-to-sales ratio of PLDT Inc is 1.87 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of PLDT Inc (TEL)?
Earnings per share at PLDT Inc are 104.30 PHP (price ÷ EPS = P/E 13.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of PLDT Inc (TEL)?
The dividend yield of PLDT Inc is 6.7% (payout 72.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of PLDT Inc (TEL)?
The net margin of PLDT Inc is 13.7% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of PLDT Inc (TEL)?
On an EBIT basis the return on assets of PLDT Inc is 6.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
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Thin data
Nov 2, 2026