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 ($218.39B vs $125.65B). T leads profitability with a 17.5% profit margin vs 13.7%. T appears more attractively valued with a PEG of 1.60. T earns a higher WallStSmart Score of 63/100 (C+).

PHI

Buy

60

out of 100

Grade: C

Growth: 4.7Profit: 7.5Value: 7.3Quality: 3.3
Piotroski: 3/9Altman Z: 0.63

T

Buy

63

out of 100

Grade: C+

Growth: 5.3Profit: 7.5Value: 7.3Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

PHIUndervalued (+68.0%)

Margin of Safety

+68.0%

Fair Value

$76.43

Current Price

$21.38

$55.05 discount

UndervaluedFair: $76.43Overvalued
TSignificantly Overvalued (-39.7%)

Margin of Safety

-39.7%

Fair Value

$20.67

Current Price

$28.81

$8.14 premium

UndervaluedFair: $20.67Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

PHI5 strengths · Avg: 9.4/10
P/E RatioValuation
9.5x10/10

Attractively priced relative to earnings

Operating MarginProfitability
31.7%10/10

Strong operational efficiency at 31.7%

Free Cash FlowQuality
$11.98B10/10

Generating 12.0B in free cash flow

Return on EquityProfitability
24.7%9/10

Every $100 of equity generates 25 in profit

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

T4 strengths · Avg: 9.0/10
Market CapQuality
$204.67B10/10

Mega-cap, among the largest globally

P/E RatioValuation
9.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$4.54B8/10

Generating 4.5B in free cash flow

Areas to Watch

PHI4 concerns · Avg: 2.3/10
Piotroski F-ScoreQuality
3/93/10

Weak financial health signals

PEG RatioValuation
4.342/10

Expensive relative to growth rate

Revenue GrowthGrowth
-1.4%2/10

Revenue declined 1.4%

Altman Z-ScoreHealth
0.632/10

Distress zone — elevated risk

T3 concerns · Avg: 3.3/10
PEG RatioValuation
1.604/10

Expensive relative to growth rate

Revenue GrowthGrowth
3.6%4/10

3.6% revenue growth

EPS GrowthGrowth
-5.6%2/10

Earnings declined 5.6%

Comparative Analysis Report

WallStSmart Research

Bull Case : PHI

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

Bull Case : T

The strongest argument for T centers on Market Cap, P/E Ratio, Price/Book. Profitability is solid with margins at 17.5% and operating margin at 18.4%.

Bear Case : PHI

The primary concerns for PHI are Piotroski F-Score, PEG Ratio, Revenue Growth.

Bear Case : T

The primary concerns for T are PEG Ratio, Revenue Growth, EPS Growth.

Key Dynamics to Monitor

PHI profiles as a declining stock while T is a value play — different risk/reward profiles.

T carries more volatility with a beta of 0.58 — expect wider price swings.

T is growing revenue faster at 3.6% — sustainability is the question.

PHI generates stronger free cash flow (12.0B), providing more financial flexibility.

Bottom Line

T scores higher overall (63/100 vs 60/100), backed by strong 17.5% margins. PHI offers better value entry with a 68.0% 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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