USTET Mathematics — Arithmetic — Multiples, Factors, PEMDAS, Fractions & DecimalsStudy Notes
Full study notes for Arithmetic — Multiples, Factors, PEMDAS, Fractions & Decimals — built specifically for the USTET 2026. These notes cover every concept, definition, formula, and worked example you need for the Mathematics subtest of the USTET, structured in the order University of Santo Tomas typically tests them.
Exam context
The University of Santo Tomas Entrance Test is conducted by University of Santo Tomas and is scheduled for Early Q4 2026. The Mathematics subtest is marked as "Core section" in the official pattern, and Arithmetic — Multiples, Factors, PEMDAS, Fractions & Decimals appears in position 1st of 9 in the USTET Mathematics review rotation. Passing mark: Competitive overall score. Recent USTET 2026 papers have drawn roughly a meaningful share of questions from this subject.
Arithmetic — Multiples, Factors, PEMDAS, Fractions & Decimals - Study notes
Arithmetic forms the foundation of all mathematics. In this chapter, we will explore fundamental concepts that appear frequently in UPCAT, ACET, USTET, and other Philippine college entrance exams. Understanding multiples, factors, order of operations (PEMDAS), fractions, and decimals is crucial for success in higher mathematics and practical problem-solving. Each concept will be explained through step-by-step examples to build your confidence and problem-solving skills.
Summary
This chapter covers fundamental arithmetic concepts essential for UPCAT and other college entrance exams. Key takeaways include: (1) Understanding multiples and factors through systematic methods like factor trees and divisibility tests, (2) Applying PEMDAS/GEMDAS correctly to evaluate complex expressions, (3) Performing fraction operations by finding common denominators and using proper algorithms, (4) Converting between fractions, decimals, and percentages fluently, and (5) Using divisibility rules to speed up calculations. Master these concepts through regular practice with step-by-step problem solving. Remember that LCM × GCF = product of original numbers, always simplify fractions to lowest terms, and apply PEMDAS consistently in the correct order. These arithmetic skills form the foundation for algebra, geometry, and advanced mathematics.
Sections
A multiple of a number is the result when that number is multiplied by any whole number. For example, multiples of 5 are: 5, 10, 15, 20, 25, and so on. A factor of a number divides that number exactly without remainder. For instance, the factors of 12 are 1, 2, 3, 4, 6, and 12. Step-by-Step Method to Find Factors: 1. Start with 1 and the number itself 2. Test each number from 2 up to the square root of the given number 3. If the number divides evenly, both the divisor and quotient are factors 4. List all factors in ascending order Example 1: Find all factors of 24 Step 1: Start with 1 and 24 Step 2: Test numbers from 2 to √24 ≈ 4.9 - 24 ÷ 2 = 12 (both 2 and 12 are factors) - 24 ÷ 3 = 8 (both 3 and 8 are factors) - 24 ÷ 4 = 6 (both 4 and 6 are factors) Step 3: Factors of 24 are: 1, 2, 3, 4, 6, 8, 12, 24
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Multiples and Factors
Examples
- Find the first 5 multiples of 7: 7×1=7, 7×2=14, 7×3=21, 7×4=28, 7×5=35
- Determine if 18 is a factor of 72: 72÷18=4 (no remainder), so 18 is a factor of 72
- Find factors of 36: Testing up to √36=6, we get factors: 1, 2, 3, 4, 6, 9, 12, 18, 36
Key Points
- A multiple is obtained by multiplying a number by whole numbers (1, 2, 3, ...)
- A factor divides a number exactly without remainder
- Every number has at least two factors: 1 and itself
- Prime numbers have exactly two factors, composite numbers have more than two factors
- Use the square root test to efficiently find all factors
A prime number has exactly two factors: 1 and itself. Numbers with more than two factors are composite. Prime factorization expresses a number as a product of prime factors. Prime Factorization Method (Factor Tree): 1. Start with the given number 2. Find two factors of the number 3. Draw branches to these factors 4. Continue factoring composite numbers 5. Stop when all branches end in prime numbers 6. Multiply all prime factors to verify Example: Prime factorization of 60 Step 1: 60 = 6 × 10 Step 2: 6 = 2 × 3, 10 = 2 × 5 Step 3: All factors (2, 3, 2, 5) are prime Step 4: 60 = 2² × 3 × 5 Verification: 4 × 3 × 5 = 60 ✓ Primality Test for Large Numbers: 1. Find √n (square root) 2. Test divisibility by all primes up to √n 3. If no prime divides n, then n is prime Example: Is 97 prime? Step 1: √97 ≈ 9.8 Step 2: Test primes 2, 3, 5, 7 - 97 ÷ 2 = 48.5 (not divisible) - 97 ÷ 3 = 32.33... (not divisible) - 97 ÷ 5 = 19.4 (not divisible) - 97 ÷ 7 = 13.86... (not divisible) Step 3: 97 is prime
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Prime Numbers and Prime Factorization
Examples
- Prime factorization of 48: 48 = 2⁴ × 3 = 16 × 3
- Prime factorization of 100: 100 = 2² × 5² = 4 × 25
- Checking if 91 is prime: 91 = 7 × 13, so 91 is composite
Key Points
- Prime numbers: 2, 3, 5, 7, 11, 13, 17, 19, 23, 29, 31...
- 2 is the only even prime number
- 1 is neither prime nor composite
- Every composite number has a unique prime factorization
- Use factor trees to find prime factorization systematically
The Least Common Multiple (LCM) is the smallest number divisible by two or more given numbers. The Greatest Common Factor (GCF) is the largest number that divides two or more given numbers. Method 1 - Listing Method: For LCM: List multiples until you find the first common one For GCF: List factors and find the largest common one Example: LCM and GCF of 12 and 18 Multiples of 12: 12, 24, 36, 48, 60, 72... Multiples of 18: 18, 36, 54, 72, 90... LCM = 36 (first common multiple) Factors of 12: 1, 2, 3, 4, 6, 12 Factors of 18: 1, 2, 3, 6, 9, 18 GCF = 6 (largest common factor) Method 2 - Prime Factorization: For LCM: Use highest power of each prime factor For GCF: Use lowest power of common prime factors Example: LCM and GCF of 24 and 36 24 = 2³ × 3 36 = 2² × 3² LCM = 2³ × 3² = 8 × 9 = 72 GCF = 2² × 3¹ = 4 × 3 = 12 Important Relationship: LCM × GCF = Product of the numbers Verification: 72 × 12 = 864, and 24 × 36 = 864 ✓
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LCM and GCF
Examples
- LCM of 15 and 20: Prime factorization gives LCM = 2² × 3 × 5 = 60
- GCF of 45 and 75: Prime factorization gives GCF = 3² × 5 = 15
- LCM and GCF of 8 and 12: LCM = 24, GCF = 4, and 24 × 4 = 96 = 8 × 12
Key Points
- LCM is useful for adding fractions with different denominators
- GCF is useful for simplifying fractions
- If one number divides another, the larger is the LCM and smaller is the GCF
- For relatively prime numbers, LCM = product of numbers, GCF = 1
- Prime factorization method is more efficient for larger numbers
PEMDAS is the order in which mathematical operations should be performed: Parentheses, Exponents, Multiplication and Division (left to right), Addition and Subtraction (left to right). In the Philippines, we also use GEMDAS (Grouping symbols, Exponents, Multiplication/Division, Addition/Subtraction). Step-by-Step PEMDAS Process: 1. Solve expressions inside Parentheses (or grouping symbols) first 2. Calculate Exponents (powers and roots) 3. Perform Multiplication and Division from left to right 4. Perform Addition and Subtraction from left to right Example 1: Solve 3 + 4 × 2² Step 1: No parentheses Step 2: Exponents first: 2² = 4, so we have 3 + 4 × 4 Step 3: Multiplication: 4 × 4 = 16, so we have 3 + 16 Step 4: Addition: 3 + 16 = 19 Example 2: Solve (15 - 3) ÷ 4 + 2 × 5 Step 1: Parentheses: (15 - 3) = 12, so we have 12 ÷ 4 + 2 × 5 Step 2: No exponents Step 3: Division and multiplication (left to right): 12 ÷ 4 = 3, then 2 × 5 = 10, so we have 3 + 10 Step 4: Addition: 3 + 10 = 13 Common Mistakes to Avoid: - Don't work left to right ignoring PEMDAS - Remember MD and AS are equal priority (work left to right) - Always do operations inside parentheses first - Don't forget to apply PEMDAS to expressions within parentheses
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PEMDAS - Order of Operations
Examples
- 8 + 2 × 5 = 8 + 10 = 18 (not 10 × 5 = 50)
- 20 - 3² + 4 = 20 - 9 + 4 = 15
- 6 × (8 - 5) ÷ 2 = 6 × 3 ÷ 2 = 18 ÷ 2 = 9
- (12 + 8) ÷ (7 - 2) = 20 ÷ 5 = 4
Key Points
- P/G - Parentheses or Grouping symbols come first
- E - Exponents (including square roots) come second
- MD - Multiplication and Division have equal priority, work left to right
- AS - Addition and Subtraction have equal priority, work left to right
- Always work from innermost parentheses outward
A fraction represents a part of a whole, written as numerator/denominator. Understanding fraction operations is essential for algebra and real-world problem solving. Adding and Subtracting Fractions: Step 1: Find the LCM of denominators (common denominator) Step 2: Convert each fraction to equivalent fraction with common denominator Step 3: Add or subtract numerators, keep the common denominator Step 4: Simplify by dividing by GCF if possible Example: 3/4 + 5/6 Step 1: LCM of 4 and 6 = 12 Step 2: 3/4 = 9/12, 5/6 = 10/12 Step 3: 9/12 + 10/12 = 19/12 Step 4: 19/12 is already in simplest form Multiplying Fractions: Step 1: Multiply numerators together Step 2: Multiply denominators together Step 3: Simplify the result Example: 2/3 × 4/5 Step 1: 2 × 4 = 8 Step 2: 3 × 5 = 15 Step 3: 8/15 (already simplified) Dividing Fractions: Step 1: Keep the first fraction unchanged Step 2: Change division to multiplication Step 3: Flip the second fraction (find reciprocal) Step 4: Multiply and simplify Example: 3/5 ÷ 2/7 Step 1: Keep 3/5 Step 2: Change ÷ to × Step 3: Flip 2/7 to get 7/2 Step 4: 3/5 × 7/2 = 21/10
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Fractions - Operations and Applications
Examples
- 1/3 + 1/4 = 4/12 + 3/12 = 7/12
- 3/8 × 2/9 = 6/72 = 1/12 (after simplification)
- 4/5 ÷ 2/3 = 4/5 × 3/2 = 12/10 = 6/5
- Mixed number: 2 1/3 = 7/3 as improper fraction
Key Points
- For addition/subtraction: common denominator is required
- For multiplication: multiply straight across, then simplify
- For division: multiply by the reciprocal
- Always simplify final answers using GCF
- Mixed numbers should be converted to improper fractions first
Decimals represent fractions with denominators of powers of 10. Converting between fractions and decimals is crucial for calculations and comparisons. Converting Fractions to Decimals: Method: Divide the numerator by the denominator Example 1: Convert 3/4 to decimal 3 ÷ 4 = 0.75 Example 2: Convert 1/3 to decimal 1 ÷ 3 = 0.333... = 0.3̄ (repeating decimal) Converting Decimals to Fractions: Step 1: Count decimal places Step 2: Write decimal over power of 10 Step 3: Simplify using GCF Example: Convert 0.75 to fraction Step 1: 2 decimal places Step 2: 75/100 Step 3: GCF of 75 and 100 is 25, so 75/100 = 3/4 Decimal Operations: Addition/Subtraction: Align decimal points, add/subtract normally Multiplication: Multiply as whole numbers, count total decimal places Division: Use long division or convert to fractions Example: 2.5 × 0.4 Step 1: 25 × 4 = 100 Step 2: Count decimal places: 1 + 1 = 2 Step 3: 100 with 2 decimal places = 1.00 = 1 Percentages: To convert: Decimal × 100 = Percentage Example: 0.65 = 65%, 1.25 = 125%
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Decimals - Operations and Conversions
Examples
- 5/8 = 5 ÷ 8 = 0.625
- 0.6 = 6/10 = 3/5 (simplified)
- 1.5 + 2.75 = 4.25
- 0.125 = 125/1000 = 1/8 (simplified)
- 0.4̄ = 4/9 (repeating decimal to fraction)
Key Points
- Terminating decimals have exact fractional representations
- Repeating decimals represent fractions with certain denominators
- When multiplying decimals, count total decimal places in both numbers
- Percentages are decimals multiplied by 100
- Use place value understanding for decimal operations
Divisibility rules help determine if one number divides another without performing actual division. These rules are time-savers in exams and useful for factorization. Key Divisibility Rules: Divisible by 2: Last digit is even (0, 2, 4, 6, 8) Example: 1,234 is divisible by 2 (last digit is 4) Divisible by 3: Sum of digits is divisible by 3 Example: 342 → 3+4+2 = 9, and 9÷3 = 3, so 342 is divisible by 3 Divisible by 4: Last two digits form a number divisible by 4 Example: 1,316 → 16÷4 = 4, so 1,316 is divisible by 4 Divisible by 5: Last digit is 0 or 5 Example: 745 and 1,250 are both divisible by 5 Divisible by 6: Must be divisible by both 2 and 3 Example: 48 is even and 4+8=12 is divisible by 3, so 48 is divisible by 6 Divisible by 9: Sum of digits is divisible by 9 Example: 729 → 7+2+9 = 18, and 18÷9 = 2, so 729 is divisible by 9 Divisible by 10: Last digit is 0 Example: 1,570 is divisible by 10 Practical Application: To check if 2,346 is divisible by 6: Step 1: Check divisibility by 2: Last digit is 6 (even) ✓ Step 2: Check divisibility by 3: 2+3+4+6 = 15, 15÷3 = 5 ✓ Step 3: Since divisible by both 2 and 3, it's divisible by 6 Verification: 2,346 ÷ 6 = 391
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Divisibility Rules and Applications
Examples
- Is 4,356 divisible by 4? Check last two digits: 56÷4 = 14, so yes
- Is 8,721 divisible by 3? Sum: 8+7+2+1 = 18, 18÷3 = 6, so yes
- Is 1,575 divisible by 15? Check 3 and 5: sum=18 (÷3), ends in 5 (÷5), so yes
- Quick factorization: 144 is divisible by 2, 3, 4, 6, 8, 9, 12
Key Points
- Divisibility rules save time in calculations and factorization
- For divisibility by 6, 12, 15, etc., check component prime factors
- Sum of digits test works for 3 and 9 due to properties of base 10
- These rules are especially useful in finding GCF and LCM
- Can be combined to test divisibility by composite numbers
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