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PGOLD Fair Value & Analysis

Consumer Non-Cyclicals · PH · Market cap 144B PHP

P PGOLD PGOLD · PSE
Price39.30 PHP
Fair Value62.75 PHP
Upside+59.7%
Quality60/100
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Mixed Growth
Thin margins · 0.0% net margin
Low debt
Trails peers (2/9)
Moderate moat 56/100
Evidence: High Range 37.88 PHP – 78.44 PHP Share as image

Fair value as of: Jul 10, 2026

From 26 valuation models · updated 30 days ago

Fair value updated Jul 10, 2026, revised from 72.73 PHP to 62.75 PHP (−13.7%) since Jun 24, 2026. Share price −14.8% over the past month.

A solid business, screening 60% undervalued on our models.

What matters now

  • Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality.
  • A fairly wide model range (37.88 PHP to 78.44 PHP) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

49.00 PHP 20.29 PHP Fair Value 62.75 PHP Feb 2021 Jul 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 10, 2026.

How to read this chart

60‑month range 20.29 PHP – 49.00 PHP · fair‑value band 37.88 PHP – 78.44 PHP · the 39.30 PHP price screens below the 62.75 PHP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 10, 2026.

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Analysis

PGOLD (PGOLD) currently trades at 39.30 PHP, while our model-based Fair Value estimate is 62.75 PHP, implying the stock looks roughly 59.7% undervalued today. The Quality Score stands at 60/100 (solid quality), in the Consumer Non-Cyclicals sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

The stock trades on a trailing P/E of 19.5. Fundamentals as of Jul 10, 2026

Our scenario range runs from 37.88 PHP (bear case) to 78.44 PHP (bull case); at 39.30 PHP, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 20% below its 52-week high and 24% above its 52-week low. For context, the median of 10 Consumer Non-Cyclicals peers we cover trades at -18% fair-value upside, at 60%, PGOLD screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model BearBaseBull Evidence
Highest evidence
Growth DCF 34.25 PHP 55.94 PHP 90.97 PHP 80
Residual Income 23.78 PHP 26.86 PHP 44.20 PHP 76
Rev-Margin DCF 36.55 PHP 61.48 PHP 91.90 PHP 74
All 26 models by family
DCF Models
FCF DCF 34.08 PHP 56.60 PHP 93.33 PHP 38
Owner Earnings 29.86 PHP 49.51 PHP 81.56 PHP 31
5Y Revenue Exit 36.55 PHP 61.94 PHP 95.50 PHP 39
5Y EBITDA Exit 43.13 PHP 74.86 PHP 113.40 PHP 41
5Y P/E Exit 40.39 PHP 69.48 PHP 101.43 PHP 38
10Y Revenue Exit 34.16 PHP 57.59 PHP 91.51 PHP 36
10Y EBITDA Exit 39.66 PHP 66.81 PHP 105.81 PHP 37
10Y P/E Exit 37.88 PHP 62.97 PHP 96.25 PHP 35
Earnings-Based
Graham-Dodd 19.40 PHP 75.19 PHP 101.96 PHP 54
Lynch FV 18.43 PHP 26.33 PHP 34.22 PHP 50
PEG = 1.0 18.43 PHP 26.33 PHP 34.22 PHP 46
EPV 33.85 PHP 39.33 PHP 44.13 PHP 59
Dividend Discount
Gordon GGM 13.46 PHP 27.99 PHP 44.40 PHP 70
DDM Multi-Stage 13.46 PHP 23.60 PHP 29.38 PHP 61
Multiples
P/E Multiple 47.06 PHP 62.75 PHP 78.44 PHP 63
P/S Multiple 36.37 PHP 48.49 PHP 60.61 PHP 58
P/B Multiple 36.37 PHP 48.49 PHP 60.61 PHP 55
EV/EBIT 57.28 PHP 76.07 PHP 94.85 PHP 53
EV/EBITDA 52.53 PHP 69.73 PHP 86.93 PHP 54
EV/Revenue 38.92 PHP 55.20 PHP 71.48 PHP 43
Asset-Based
NCAV (Graham) 13.20 PHP 17.69 PHP 26.40 PHP 50
Growth DCF
Growth DCF 34.25 PHP 55.94 PHP 90.97 PHP 80
Rev-Margin DCF 36.55 PHP 61.48 PHP 91.90 PHP 74
Economic Profit
Residual Income 23.78 PHP 26.86 PHP 44.20 PHP 76
ROIC Compounder 36.33 PHP 47.91 PHP 63.43 PHP 72
Growth Earnings
Growth-Adj P/E 34.08 PHP 48.69 PHP 63.29 PHP 68

Widest divergence: DCF Models (61.94 PHP) versus Asset-Based (17.69 PHP). Highest evidence: Growth DCF (80).

Quality Score breakdown

Overall quality 60/100

Of which business quality 59 · Market factors (momentum, volatility) 50

Profitability 49
Margins and returns on capital today
Quality Growth 53
Are margins and returns improving?
Cashflow 51
Earnings quality: real cash, not paper profit
Fin. Strength 62
Balance sheet, leverage, solvency risk
Investment 66
Disciplined investing over empire-building
Low Volatility 54
Calm price path (market factor)
Momentum 51
Price trend over the last 3–12 months (market factor)
52W Momentum 44
Distance to the 52-week high (market factor)
Net Issuance 82
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

Revenue & earnings trend

FY2020 – FY2024 · reported fiscal years

PGOLD reported revenue of 219B PHP in FY2024 versus 169B PHP in FY2020, a compound +6.8%/yr. Reported net income was 10.4B PHP in FY2024, compounding +6.6%/yr from FY2020.

Growth Quality 61/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2024)
219B PHP
Latest YoY
+10.1%
Avg. growth/yr (3Y)
+10.1%
Avg. growth/yr (5Y)
+7.2%
Avg. growth/yr (10Y)
+10.0%
Revenue +6.8%/yr
FY20 169B PHP
FY21 164B PHP
FY22 184B PHP
FY23 199B PHP
FY24 219B PHP
Net income +6.6%/yr
FY20 8.1B PHP
FY21 8.2B PHP
FY22 9.3B PHP
FY23 8.6B PHP
FY24 10.4B PHP

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Cite: Fair Value Calculator (2026). "PGOLD Fair Value". https://www.fairvalue-calculator.com/stock/PGOLD

Peer Group

Consumer Discretionary · 3559 stocks

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 “Food & Drug Retailing” was too small, so the broader sector is used.)

Quality Score 60 · Above median
Fair Value upside +60% · Top 25%
Return on assets 0% · Below median
Net margin (TTM) 0% · Below median
Operating margin (TTM) 0% · Below median
Revenue growth 0% · Below median
Debt / equity 0.17× · Higher than median

Valuation Multiples vs Consumer Discretionary median · lower = cheaper

P/E (TTM) 19.5× · Pricier than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 100 · sector 23
FUTURE 0 · sector 14
PAST 0 · sector 21
HEALTH 91 · sector 96
DIVIDEND 0 · sector 41

Insider activity: 35/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Food & Drug Retailing stocks, each showing price versus our Fair Value estimate (as of Jul 10, 2026).

Stock Price Fair Value vs Fair Value
RRHI RRHI 38.00 PHP 43.51 PHP +15%
KEEPR KEEPR 1.86 PHP 6.15 PHP +231%
Gimat Magazacilik Sanayi Ve Ticaret A.S. GMTAS 46.70 TRY 8.96 TRY -81%
Curexo Inc 060280 8,000 KRW 1,147 KRW -86%
FRUIT FRUIT 0.6700 PHP 0.5500 PHP -18%
Seouleaguer Co 043710 2,850 KRW 811.29 KRW -72%
COSCO COSCO ₹208.00 ₹51.24 -75%
FB FB 49.00 PHP 49.03 PHP +0%
JGS JGS 25.00 PHP 20.51 PHP -18%
URC URC 61.20 PHP 47.86 PHP -22%

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Frequently asked questions

Is PGOLD overvalued or undervalued?
As of Jul 10, 2026, our model estimates a fair value of 62.75 PHP versus a price of 39.30 PHP, about +60% (undervalued).
What is the fair value of PGOLD?
Our model-based fair value for PGOLD is 62.75 PHP (as of Jul 10, 2026), built from audited fundamentals. The current price is 39.30 PHP.
What is the quality score of PGOLD?
PGOLD has a Quality Score of 60/100. 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 net profit margin of PGOLD?
The net profit margin of PGOLD is about 0.0%, meaning it keeps roughly 0.0% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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