WallStSmart

PLDT Inc ADR (PHI)vsAT&T Inc. (T)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

PLDT Inc ADR generates 74% more annual revenue ($219.62B vs $126.53B). T leads profitability with a 16.9% profit margin vs 13.6%. T appears more attractively valued with a PEG of 1.63. T earns a higher WallStSmart Score of 64/100 (C+).

PHI

Buy

58

out of 100

Grade: C

Growth: 3.3Profit: 7.0Value: 8.0Quality: 2.5
Piotroski: 3/9Altman Z: 0.64

T

Buy

64

out of 100

Grade: C+

Growth: 3.3Profit: 7.5Value: 7.3Quality: 3.5
Piotroski: 5/9Altman Z: 0.87
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PHIUndervalued (+86.5%)

Margin of Safety

+86.5%

Fair Value

$181.04

Current Price

$17.71

$163.33 discount

UndervaluedFair: $181.04Overvalued
TUndervalued (+18.4%)

Margin of Safety

+18.4%

Fair Value

$27.44

Current Price

$22.37

$5.07 discount

UndervaluedFair: $27.44Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PHI5 strengths · Avg: 9.0/10
P/E RatioValuation
8.2x10/10

Attractively priced relative to earnings

Free Cash FlowQuality
$10.36B10/10

Generating 10.4B in free cash flow

Return on EquityProfitability
24.1%9/10

Every $100 of equity generates 24 in profit

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
24.8%8/10

Strong operational efficiency at 24.8%

T5 strengths · Avg: 9.0/10
P/E RatioValuation
7.8x10/10

Attractively priced relative to earnings

Price/BookValuation
1.4x10/10

Reasonable price relative to book value

Market CapQuality
$161.83B9/10

Large-cap with strong market position

Operating MarginProfitability
22.7%8/10

Strong operational efficiency at 22.7%

Free Cash FlowQuality
$2.68B8/10

Generating 2.7B in free cash flow

Areas to Watch

PHI4 concerns · Avg: 3.3/10
PEG RatioValuation
2.364/10

Expensive relative to growth rate

Revenue GrowthGrowth
2.2%4/10

2.2% revenue growth

Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

EPS GrowthGrowth
-1.7%2/10

Earnings declined 1.7%

T4 concerns · Avg: 3.3/10
PEG RatioValuation
1.634/10

Expensive relative to growth rate

Revenue GrowthGrowth
2.9%4/10

2.9% revenue growth

Debt/EquityHealth
1.503/10

Elevated debt levels

EPS GrowthGrowth
-11.3%2/10

Earnings declined 11.3%

Comparative Analysis Report

WallStSmart Research

Bull Case : PHI

The strongest argument for PHI centers on P/E Ratio, Free Cash Flow, Return on Equity.

Bull Case : T

The strongest argument for T centers on P/E Ratio, Price/Book, Market Cap. Profitability is solid with margins at 16.9% and operating margin at 22.7%.

Bear Case : PHI

The primary concerns for PHI are PEG Ratio, Revenue Growth, Piotroski F-Score. Debt-to-equity of 2.84 is elevated, increasing financial risk.

Bear Case : T

The primary concerns for T are PEG Ratio, Revenue Growth, Debt/Equity.

Key Dynamics to Monitor

T carries more volatility with a beta of 0.40 — expect wider price swings.

T is growing revenue faster at 2.9% — sustainability is the question.

PHI generates stronger free cash flow (10.4B), providing more financial flexibility.

Monitor TELECOM SERVICES industry trends, competitive dynamics, and regulatory changes.

Bottom Line

T scores higher overall (64/100 vs 58/100), backed by strong 16.9% margins. PHI offers better value entry with a 86.5% margin of safety. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

PLDT Inc ADR

COMMUNICATION SERVICES · TELECOM SERVICES · USA

PLDT Inc. is an integrated telecommunications company in the Philippines. The company is headquartered in Makati City, the Philippines.

AT&T Inc.

COMMUNICATION SERVICES · TELECOM SERVICES · USA

AT&T Inc. is an American multinational conglomerate holding company, Delaware-registered but headquartered at Whitacre Tower in Downtown Dallas, Texas. It is the world largest telecommunications company, and the second largest provider of mobile telephone services.

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