PHINMA Corporation (stock symbol: PHN), a large Filipino company that operates schools, builds construction materials, develops properties, and runs hotels, has released its financial results for 2025. According to their press release filed with the Securities and Exchange Commission on March 10, 2026, the company earned P22.84 billion in revenues (total sales) for the full year 2025.

Understanding PHINMA’s 2025 Performance

Think of a company’s earnings report like a report card. PHINMA’s report card shows they made a lot of sales (P22.84 billion for the whole year), but they also spent a lot of money on growing their businesses. Here’s what happened:

• Full Year 2025: The company made P326.65 million in total profit, but when you only count the money belonging to the main company owners (not counting minority shareholders), they actually lost P308.83 million.
• Fourth Quarter alone: In the last three months of 2025, PHINMA earned P6.54 billion in sales but lost P49.39 million.
• EBITDA: A measure of how much cash the business operations generate was P3.48 billion for the year.

PHINMA Education: The Star Performer

The best-performing part of PHINMA’s business was their education division, called PHINMA Education Holdings Inc. This division runs several schools in the Philippines and Indonesia. They did very well in 2025:

• Made P7.19 billion in revenues
• Earned P1.61 billion in profit
• Enrolled a record 177,851 students for School Year 2025-2026
• Opened new school buildings in Southwestern University PHINMA, PHINMA Saint Jude College Quezon City, and Horizon University Indonesia

PHINMA Education’s strong performance was the main driver that helped the overall company, according to the press release.

Heavy Investments for Future Growth

PHINMA spent a lot of money in 2025 to grow their businesses—like building new facilities and improving their operations. Their capital expenditures (money spent on buildings, equipment, and other long-term assets) increased significantly from P3.14 billion in 2024 to P5.00 billion in 2025.

This is similar to planting seeds in a garden. You spend money and effort now, hoping those seeds will grow into plants that give you fruit later. PHINMA is investing now to make more money in the future.

The company also reorganized some of their loans, converting short-term debt (money they’d have to pay back soon) into long-term debt (money they can pay back over a longer period). This gives them more breathing room with their cash.

Construction Materials Faced Challenges

PHINMA’s Construction Materials Group had a tough year. This division includes companies that make steel, cement, insulated panels, and solar energy products. Together, they:

• Made P13.33 billion in revenues
• Lost P265.38 million

According to the press release, their performance was hurt by economic pressures and a scandal involving flood control projects with corruption issues. Even though PHINMA wasn’t directly involved in those projects, the scandal created uncertainty in the construction market, so they became more careful about who they sold to on credit.

On a positive note, Philcement (their cement company) got a new minority investor—Sumitomo Osaka Cement from Japan bought a 15% stake in the company. This kind of partnership often brings new expertise and resources.

Property Business Focused on Regional Growth

PHINMA Property Holdings Corp., which develops real estate, earned P1.44 billion in revenues but lost P646.56 million. The Metro Manila property market slowed down considerably in 2025.

Instead of focusing only on Manila, PHINMA Properties concentrated on regional areas, particularly in Bacolod City where they’re developing a township called Saludad. They launched a new project called Maayo Terraces Saludad in April 2025.

The company also started a new initiative called PHINMA Community Housing (PHINMA CoHo), which aims to provide affordable homes for minimum wage workers. They broke ground on their first project in Davao in November 2025.

Hospitality Segment Shows Modest Growth

PHINMA’s hotel business, which includes several hotel brands, made P527.33 million in revenues but lost P17.94 million. Tourism was weaker than expected, which hurt hotel bookings.

Despite the challenges, they’re still expanding. In December 2025, they signed an agreement to build a new hotel called TRYP by Wyndham Bacolod in their Saludad township, and construction started in March 2026.

Company’s Financial Position

As of December 31, 2025, PHINMA Corporation had:

• P3.19 billion in cash and cash equivalents
• P59.39 billion in total assets (everything the company owns)
• P16.71 billion in stockholders’ equity (the value belonging to shareholders)

What Management Says

PHINMA Chairman and CEO Ramon R. del Rosario, Jr. acknowledged that 2025 was challenging but emphasized the company’s long-term strategy. According to the press release, he stated that the investments made during the year are “building additional operating capacity” and position PHINMA “to participate more fully in the country’s long-term growth while continuing our mission of serving underserved families and communities.”

About PHINMA Corporation

PHINMA Corporation is a Filipino conglomerate—a large company that owns several different businesses. The company has been operating for over 70 years and focuses on education, construction materials, property development, hospitality, and affordable housing. According to their company description, they aim to “make lives better and build the nation” by serving underserved communities in the Philippines.

This article is based on the company’s official press release and disclosures filed with the Philippine Stock Exchange’s Electronic Disclosure Generation Technology (PSE EDGE) system. For the complete and official version of the announcement, readers may visit the PSE EDGE website and search for the company’s filing directly.