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Rizal Commercial Banking Corp
XPHS:RCB

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Rizal Commercial Banking Corp
XPHS:RCB
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Price: 25 PHP Market Closed
Market Cap: ₱60.5B
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Cash Flow Statement

Operating Cash Flow
+
3Y
-
5Y
-
10Y
-
Investing Cash Flow
+
3Y
-
5Y
-98%
10Y
-
Financing Cash Flow
+
3Y
+45%
5Y
-
10Y
+9%

Cash Flow Statement
Rizal Commercial Banking Corp

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Cash Flow Statement
Currency: PHP
Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Operating Cash Flow
Net Income
4 080
4 281
4 553
4 977
5 327
5 369
5 339
5 742
5 970
6 516
6 789
6 618
6 701
7 105
7 027
7 150
6 593
7 129
5 913
4 383
5 324
4 413
5 151
5 865
4 821
4 904
4 764
3 849
3 696
3 046
3 635
4 495
5 151
5 307
4 897
4 895
5 193
5 580
6 250
7 675
6 663
7 718
7 745
6 186
6 493
5 343
5 470
6 685
7 811
8 591
11 320
13 829
0
9 102
13 515
16 314
19 541
13 279
12 988
13 339
13 672
14 240
Depreciation & Amortization
715
739
756
781
960
1 020
1 069
1 166
1 054
1 114
1 246
1 273
1 114
1 182
1 194
1 367
1 318
1 388
1 476
1 495
1 577
1 622
1 655
1 620
1 611
1 650
1 716
1 530
1 766
1 745
1 710
1 910
1 914
1 908
1 878
1 850
1 821
1 943
1 734
2 249
2 503
2 636
3 110
2 889
2 924
3 011
3 024
3 014
3 020
2 952
2 983
3 007
209
295
3 365
1 930
3 308
3 326
3 379
3 431
3 498
3 565
Other Non-Cash Items
(295)
(224)
(369)
(383)
(465)
(567)
(513)
(572)
(409)
(342)
(460)
(690)
(12 057)
(11 992)
(12 042)
(11 743)
(15 116)
(18 993)
(22 506)
(26 249)
(15 609)
(15 385)
(15 592)
(15 889)
(16 188)
(16 791)
(16 996)
(16 829)
(90)
(168)
(592)
(1 244)
(1 219)
(1 887)
(2 179)
(2 668)
(2 858)
(21 278)
(21 973)
(22 773)
8 568
(24 017)
(24 874)
(25 886)
(2 466)
(26 576)
(27 325)
(28 083)
(2 100)
(30 873)
(31 859)
(32 288)
(2 986)
(4 471)
(40 396)
(26 097)
(41 985)
(43 885)
(16 445)
(19 330)
(23 037)
(26 273)
Cash Taxes Paid
636
599
778
379
943
946
981
1 006
964
1 077
862
861
719
782
952
1 030
1 382
1 142
1 122
1 102
792
813
837
809
602
523
413
(187)
574
706
676
1 291
605
743
884
987
1 015
1 020
1 313
1 544
1 548
1 532
1 678
1 593
2 009
1 856
1 519
1 414
859
1 070
1 033
1 432
707
731
4 099
3 384
4 604
4 890
3 709
3 613
3 366
3 424
Cash Interest Paid
0
0
0
0
0
0
0
0
0
0
0
0
7 188
0
0
0
5 637
7 363
8 276
9 970
5 162
5 170
5 314
5 405
5 861
5 972
6 563
6 796
0
5 648
5 749
5 428
0
5 312
5 882
6 849
0
13 318
15 174
16 099
0
9 690
8 607
7 693
0
10 111
8 888
8 505
0
8 626
8 723
9 927
9 693
14 572
30 830
32 943
34 590
36 559
0
27 812
26 776
23 975
Change in Working Capital
17 098
(1 879)
13 926
5 752
9 036
5 173
(10 048)
(4 210)
2 766
(1 468)
3 794
(7 853)
1 108
(17 223)
15 132
21 266
26 490
56 005
46 279
37 928
28 345
25 499
13 852
27 310
15 343
(6 771)
(13 440)
11 151
(10 448)
34 700
47 870
3 505
(87)
(25 489)
(18 150)
(3 020)
(12 327)
9 430
(10 454)
(20 204)
(57 043)
(8 914)
21 213
33 297
69 446
85 756
99 120
107 506
73 957
105 766
136 084
171 451
(55 449)
(133 075)
41 370
(91 387)
(3 188)
51 485
16 467
(24 801)
(27 425)
(59 197)
Cash from Operating Activities
21 598
N/A
2 917
-86%
18 866
+547%
11 128
-41%
14 858
+34%
10 995
-26%
(4 153)
N/A
2 126
N/A
9 381
+341%
5 820
-38%
11 369
+95%
(652)
N/A
(3 134)
-381%
(20 928)
-568%
11 311
N/A
18 040
+59%
19 285
+7%
45 529
+136%
31 162
-32%
17 557
-44%
19 637
+12%
16 149
-18%
5 066
-69%
18 906
+273%
5 587
-70%
(17 008)
N/A
(23 956)
-41%
(299)
+99%
(5 076)
-1 598%
39 323
N/A
52 623
+34%
8 666
-84%
5 759
-34%
(20 161)
N/A
(13 554)
+33%
1 057
N/A
(8 171)
N/A
(4 325)
+47%
(24 443)
-465%
(33 053)
-35%
(39 309)
-19%
(22 577)
+43%
7 194
N/A
16 486
+129%
76 397
+363%
67 534
-12%
80 289
+19%
89 122
+11%
82 688
-7%
86 436
+5%
118 528
+37%
155 999
+32%
(59 674)
N/A
(140 119)
-135%
17 854
N/A
(111 210)
N/A
(28 006)
+75%
24 205
N/A
16 389
-32%
(27 361)
N/A
(33 292)
-22%
(67 665)
-103%
Investing Cash Flow
Capital Expenditures
(1 213)
(1 299)
(1 080)
(1 044)
(1 804)
0
(1 383)
(1 795)
(2 116)
(2 132)
(2 417)
(2 500)
(2 434)
(3 053)
(2 892)
(2 746)
(3 055)
(2 848)
(2 624)
(2 450)
(1 200)
(1 162)
(1 689)
(1 649)
(3 309)
(4 350)
(4 191)
(4 333)
(3 076)
(2 324)
(1 868)
(1 811)
(1 825)
(1 306)
(1 377)
(1 165)
(1 393)
(1 723)
(1 623)
(2 126)
(2 478)
(2 787)
(3 072)
(2 874)
(2 355)
(2 531)
(2 713)
(2 694)
(1 827)
(1 406)
(1 027)
236
(246)
(52)
(4 097)
(3 886)
(3 509)
(4 647)
(1 906)
(1 980)
(1 820)
(1 789)
Other Items
(10 179)
(6 881)
(5 081)
(7 152)
(17 478)
(22 230)
(9 564)
(6 584)
(282)
12 232
(15 149)
(3 419)
(6 325)
(7 400)
(17 177)
(21 812)
(7 183)
(13 328)
1 669
18 814
(20 614)
1 721
(12 807)
(42 186)
(20 654)
(3 491)
26 481
46 399
51 411
3 253
(4 527)
(8 028)
(7 775)
(9 124)
(24 368)
(28 163)
(29 006)
(30 651)
(28 417)
4 126
(3 455)
80 035
127 756
81 559
60 765
(31 928)
(134 307)
(136 840)
(130 292)
(162 445)
(110 134)
(129 893)
109 257
135 567
60 215
95 655
(23 244)
(32 898)
(98 620)
(38 357)
(13 328)
3 412
Cash from Investing Activities
(11 392)
N/A
(8 180)
+28%
(6 161)
+25%
(8 196)
-33%
(19 282)
-135%
(23 763)
-23%
(10 947)
+54%
(8 379)
+23%
(2 398)
+71%
10 100
N/A
(17 566)
N/A
(5 919)
+66%
(8 759)
-48%
(10 453)
-19%
(20 069)
-92%
(24 558)
-22%
(10 238)
+58%
(16 176)
-58%
(955)
+94%
16 364
N/A
(21 814)
N/A
559
N/A
(14 496)
N/A
(43 835)
-202%
(23 963)
+45%
(7 841)
+67%
22 290
N/A
42 066
+89%
48 335
+15%
929
-98%
(6 395)
N/A
(9 839)
-54%
(9 600)
+2%
(10 430)
-9%
(25 745)
-147%
(29 328)
-14%
(30 399)
-4%
(32 374)
-6%
(30 040)
+7%
2 000
N/A
(5 933)
N/A
77 248
N/A
124 684
+61%
78 685
-37%
58 410
-26%
(34 459)
N/A
(137 020)
-298%
(139 534)
-2%
(132 119)
+5%
(163 851)
-24%
(111 161)
+32%
(129 657)
-17%
109 011
N/A
135 515
+24%
56 118
-59%
91 769
+64%
(26 753)
N/A
(37 545)
-40%
(100 526)
-168%
(40 337)
+60%
(15 148)
+62%
1 623
N/A
Financing Cash Flow
Net Issuance of Common Stock
(1 595)
(1)
0
0
0
2 117
0
7 731
5 609
5 609
5 609
(5)
0
3 988
8 104
8 099
8 099
0
(5)
0
0
0
7 739
7 730
7 729
7 729
(10)
0
0
0
0
0
0
0
0
14 808
14 783
14 724
0
(143)
0
0
0
59
0
0
(16)
(16)
4 369
0
4 384
4 380
1
26 713
26 708
0
0
0
0
0
0
0
Net Issuance of Debt
(6 687)
3 591
(5 955)
745
11 915
15 974
14 812
7 065
(1 018)
(11 260)
11 149
19 178
18 998
41 071
13 306
7 813
2 521
(26 378)
(2 180)
(2 748)
9 825
5 719
2 676
17 821
25 483
32 734
32 685
6 040
(11 761)
(16 131)
(31 072)
(26 242)
(7 598)
24 714
29 767
35 356
35 252
35 027
44 774
41 902
79 874
(26 497)
(42 140)
(40 640)
(92 014)
(9 190)
(2 077)
(720)
42 505
37 267
19 782
12 291
(16 524)
3 880
(55 606)
(29 286)
6 769
(28 015)
22 946
60 391
(6 858)
40 805
Cash Paid for Dividends
(786)
(775)
(1 027)
(778)
(997)
(997)
(1 240)
(1 240)
(1 241)
0
(1 451)
(1 658)
(1 441)
(1 643)
(1 683)
(1 691)
(1 692)
(1 714)
(1 709)
(1 494)
(1 718)
(1 494)
(1 281)
(1 281)
(1 059)
(1 059)
(1 008)
(1 008)
(1 008)
(1 008)
(773)
(773)
(773)
0
(863)
(863)
(863)
(863)
(863)
(864)
(864)
(864)
(1 077)
(1 076)
(1 076)
(1 548)
(1 411)
(1 903)
(1 897)
(1 922)
(2 242)
(2 290)
(977)
(972)
(3 289)
(1 542)
(3 559)
(3 596)
(3 548)
(3 564)
(2 804)
(2 788)
Other
0
0
0
0
0
0
(1)
0
0
0
0
0
0
0
0
1
0
0
(1)
0
0
0
(1)
(5 173)
(5 173)
0
0
0
0
(1)
(1)
0
0
0
0
0
0
0
0
0
0
0
0
14 470
14 463
0
14 462
(6)
0
0
0
0
0
0
0
0
0
0
0
0
0
(17 130)
Cash from Financing Activities
(9 068)
N/A
2 816
N/A
(6 982)
N/A
(34)
+100%
10 918
N/A
17 094
+57%
13 571
-21%
11 440
-16%
3 350
-71%
(9 009)
N/A
15 308
N/A
17 515
+14%
17 557
+0%
43 416
+147%
19 727
-55%
14 222
-28%
8 928
-37%
(23 982)
N/A
(3 896)
+84%
(4 243)
-9%
8 107
N/A
4 226
-48%
9 135
+116%
19 097
+109%
26 980
+41%
34 231
+27%
26 495
-23%
5 031
-81%
(12 769)
N/A
(17 140)
-34%
(31 846)
-86%
(27 015)
+15%
(8 371)
+69%
23 942
N/A
28 905
+21%
49 301
+71%
49 172
0%
48 888
-1%
58 694
+20%
40 954
-30%
79 010
+93%
(27 302)
N/A
(43 217)
-58%
(27 187)
+37%
(78 627)
-189%
3 725
N/A
10 958
+194%
(2 645)
N/A
44 977
N/A
39 714
-12%
21 925
-45%
14 380
-34%
(17 500)
N/A
29 621
N/A
(32 187)
N/A
(4 115)
+87%
29 918
N/A
(31 611)
N/A
19 398
N/A
56 827
+193%
(9 662)
N/A
20 887
N/A
Change in Cash
Net Change in Cash
1 138
N/A
(2 447)
N/A
5 723
N/A
2 898
-49%
6 494
+124%
4 326
-33%
(1 529)
N/A
5 187
N/A
10 333
+99%
6 911
-33%
9 111
+32%
10 944
+20%
5 664
-48%
12 035
+112%
10 969
-9%
7 704
-30%
17 975
+133%
5 371
-70%
26 311
+390%
29 678
+13%
5 930
-80%
20 934
+253%
(295)
N/A
(5 832)
-1 877%
8 604
N/A
9 382
+9%
24 829
+165%
46 798
+88%
30 490
-35%
23 112
-24%
14 382
-38%
(28 188)
N/A
(12 212)
+57%
(6 649)
+46%
(10 394)
-56%
21 030
N/A
10 602
-50%
12 189
+15%
4 211
-65%
9 901
+135%
33 768
+241%
27 369
-19%
88 661
+224%
67 984
-23%
56 180
-17%
36 800
-34%
(45 773)
N/A
(53 057)
-16%
(4 454)
+92%
(37 701)
-746%
29 292
N/A
40 722
+39%
31 837
-22%
25 017
-21%
41 785
+67%
(23 556)
N/A
(24 841)
-5%
(44 951)
-81%
(64 739)
-44%
(10 871)
+83%
(58 102)
-434%
(45 155)
+22%

See Also

Summary
RCB intrinsic value, competitors valuation, and company profile.
DCF Valuation
RCB stock valuation using Discount Cash Flow valuation method.
Relative Valuation
RCB stock valuation using valuation multiples.
Wall Street Estimates
RCB price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
RCB stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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