LTG.PSE LT Group Inc

Financials Consumer Finance Philippine Stock Exchange

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14.92 PHP

Close of Oct 30, 2026

12.88 15.56

Market cap: PHP 94.1B
P/E: -
P/B: -
ROE: 12.3%
Dividend yield: -
Fundamental score: 2.3/5

Ratios use the latest price and the fiscal year ending Dec 2025.

Is LTG.PSE undervalued?

Graham number

The Graham number of LT Group Inc cannot be estimated reliably (it needs positive earnings and book value).

Graham number = √(22.5 × EPS × book value per share): the most a defensive investor should pay according to Benjamin Graham. An estimate, not a recommendation to buy or sell. How is it calculated?

LT Group Inc fundamental analysis

9 of 18 checks passed

ROE 1/2

Moderate return on equity (12.3%), between 10% and 20%.

ROA 1/1

Return on assets (2.1%) is above the industry median (1.6%).

Profit Consistency 2/2

Profitable for 10 consecutive years.

Earnings Growth 5Y 1/1

Earnings per share grew over the past 5 years.

Earnings Acceleration 0/1

Last year's EPS growth (7.1%) is not above the 5-year average (8.1% a year).

Earnings Growth vs Industry 0/1

Last year's EPS growth (7.1%) is below the industry median (14.9%).

Revenue Growth 1/2

Revenue grew 9.6% a year over the past 3 years.

Leverage 2/2

Total assets are 6.0x equity, within a prudent level for a financial company.

Equity Growth 1/1

Shareholders' equity grew over the past 5 years.

PE vs Market 0/1

PE is negative or not available.

PE vs Industry 0/1

PE is negative or not available.

PBV 0/1

Price to book is negative or not available.

Graham Number 0/1

Graham number needs positive earnings and book value.

PEG 0/1

PEG needs positive PE and positive 5-year earnings growth.

Dividend Yield 0/2

Dividend yield cannot be calculated.

Dividend Stability 0/2

Dividends were not paid steadily for the past 5 years.

Dividend Growth 1/1

Dividends paid grew over the past 5 years.

Payout Ratio 1/1

Payout ratio is 43.7%, covered by earnings.

Each check is worth 1 or 2 points by how much it says about the quality of the company. The score is the share of points earned, out of 5. Ask AI to explain this score

LT Group Inc stock price

Prices on the chart can differ slightly from the closing prices StockSummer uses for its ratios.

LT Group Inc financial statements

LT Group Inc annual financial statements

Item	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Income Statement
Revenue	57.8B	63.8B	75.6B	94.2B	94.4B	91.2B	101B	115B	129B	133B
Gross Profit	28.9B	31.0B	35.1B	41.9B	46.2B	43.3B	43.7B	54.0B	59.9B	65.1B
Operating Income	3.76B	5.78B	7.15B	11.7B	1.62B	5.99B	25.8B	32.3B	35.6B	43.1B
Net Income	9.39B	10.8B	16.2B	23.1B	21.0B	20.2B	25.1B	25.4B	28.9B	31.0B
EPS	0.87	1.00	1.50	2.14	1.94	1.87	2.32	2.35	2.67	2.86
Balance Sheet
Total Assets	829B	917B	1.10T	1.27T	1.35T	1.31T	1.27T	1.33T	1.37T	1.49T
Total Liabilities	693B	769B	925B	1.08T	1.17T	1.12T	1.07T	1.11T	1.14T	1.24T
Shareholders' Equity	136B	148B	173B	187B	185B	190B	199B	213B	231B	251B
Cash & Short-term Investments	190B	183B	223B	241B	428B	398B	350B	389B	386B	350B
Total Debt	42.7B	46.9B	90.7B	133B	147B	-	-	-	-	-
Cash Flow
Operating Cash Flow	37.5B	5.69B	37.0B	53.4B	97.5B	18.8B	12.2B	54.8B	52.4B	3.25B
Capital Expenditure	2.46B	6.15B	6.09B	8.79B	5.16B	7.42B	3.26B	5.62B	4.32B	4.57B
Ratios
ROE	6.9%	7.3%	9.4%	12.4%	11.3%	10.7%	12.6%	12.0%	12.5%	12.3%
ROA	1.1%	1.2%	1.5%	1.8%	1.6%	1.5%	2.0%	1.9%	2.1%	2.1%
Net Profit Margin	16.2%	17.0%	21.4%	24.5%	22.3%	22.2%	24.9%	22.0%	22.4%	23.3%
Debt to Equity	0.31x	0.32x	0.52x	0.71x	0.79x	-	-	-	-	-

What these items mean

Revenue: Total sales of goods and services in the period.
Gross Profit: Revenue minus the direct cost of producing what was sold.
Operating Income: Profit from the core business after operating expenses.
Net Income: Profit left for shareholders after all expenses, interest and taxes.
EPS: Net income divided by shares outstanding.
Total Assets: Everything the company owns.
Total Liabilities: Everything the company owes.
Shareholders' Equity: Assets minus liabilities: the book value that belongs to shareholders.
Cash & Short-term Investments: Cash and investments that can be turned into cash quickly.
Total Debt: Short and long-term borrowings.
Operating Cash Flow: Cash generated by the core business.
Capital Expenditure: Cash spent on property, plant and equipment.
ROE: Return on equity: net income divided by shareholders' equity.
ROA: Return on assets: net income divided by total assets.
Net Profit Margin: Net income as a share of revenue.
Debt to Equity: Total debt divided by shareholders' equity.

LT Group Inc dividends

Dividend yield: -
Forward dividend: -
Payout ratio: 43.7%
Ex-dividend date: -

Dividends per fiscal year
Fiscal year	Dividends paid	Per share	Payout ratio
2025	13.5B	1.25	43.7%
2024	PHP 13.5B	1.25	46.8%
2023	PHP 13.0B	1.20	51.1%
2022	PHP 15.1B	1.40	60.3%
2021	PHP 11.7B	1.08	57.7%
2020	PHP 8.85B	0.82	42.1%
2019	PHP 3.33B	0.31	14.4%
2018	PHP 2.18B	0.20	13.5%
2017	PHP 1.95B	0.18	18.0%
2016	PHP 2.17B	0.20	23.1%

From the cash flow statement: dividends paid in the fiscal year, divided by that year's shares outstanding. Payout ratio = dividends paid / net income.

Key facts

Fundamental score: 2.3
52-week range: 12.88 - 15.56
50-day moving average: 15.04
200-day moving average: 14.56
Beta: 0.00

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