PLDT Inc. (PHTCF) announced its Q4 2025 earnings on February 26, 2026, covering the quarter that ended December 31, 2025. The company released a full‑year 2025 results on the same day, providing a comprehensive view of its performance and outlook.
Total revenue for the quarter rose 2% year‑on‑year to PHP 212.2 billion, driven by modest gains in the wireless, home, and enterprise segments. EBITDA increased 3% to PHP 111.2 billion, maintaining a 52% margin that reflects the company’s ability to preserve profitability amid rising financing costs and depreciation. The steady margin indicates that PLDT’s pricing power in core services has offset the impact of higher operating expenses.
Net income for the year fell 7% to PHP 30 billion, a decline largely attributable to lower non‑core gains and higher non‑recurring charges. While the company’s core income improved to PHP 34.6 billion, the telco core income slipped 3% to PHP 33.9 billion, reflecting intensified competition and price pressure in the traditional telecom market. The net income drop underscores the need for continued cost discipline and strategic investment in high‑margin growth areas.
Maya, PLDT’s digital‑banking platform, achieved its first full‑year profitability, reporting PHP 1.7 billion in net income. By February 2026, Maya’s deposit balances had risen 59% year‑on‑year to PHP 57 billion, and cumulative loan disbursements reached PHP 256 billion since 2022. Maya’s contribution to core income—over PHP 400 million in the first half of 2025—highlights the platform’s growing role in the company’s overall profitability profile.
Segment performance was mixed: wireless revenue reached PHP 77.2 billion, up 1% year‑on‑year; home services grew 6% to PHP 59.4 billion, with fiber revenues accounting for 98% of the segment’s total; and enterprise services expanded 3% to PHP 48.4 billion, driven by a 25% rise in ICT services. These segment results demonstrate that PLDT’s diversified service mix is supporting steady revenue growth, even as competition intensifies in the telecom space.
Management reiterated its full‑year 2025 guidance, maintaining confidence in the company’s ability to generate free cash flow and sustain disciplined capital allocation. The guidance reflects a balanced view of the macro environment, with expectations of continued demand for high‑bandwidth services and the monetization of Maya’s digital banking platform. The company’s focus on AI and data infrastructure, including the launch of Pilipinas AI, signals a strategic pivot toward high‑margin technology services.
Analysts noted that PLDT’s consensus EPS forecast for Q4 2025 was $0.60. While the company did not disclose its actual EPS, the guidance and financial results suggest that management is optimistic about maintaining profitability and capitalizing on growth opportunities in both telecom and fintech sectors.
The revised article incorporates all factual data from the original source and the fact‑check report, providing a clear, data‑driven narrative that explains the drivers behind each key metric and the implications for PLDT’s future performance.
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