OTC · Banks - Regional

Bank of the Philippine Islands (BPHLY) Stock

$34.33 +0.96% OTC: BPHLY Financial Services

The Bank of the Philippine Islands (BPI), along with its various subsidiaries, delivers a comprehensive array of financial products and services to both individual consumers and corporate clients throughout the Philippines. Its business operations are organized into three principal divisions: Consumer Banking, Corporate Banking, and Investment Banking.

Valuation

MetricValue
Price$34.33
Market Cap$454.49M
P/E Ratio9.83
P/B Ratio1.36
P/S Ratio-20.06
EPS (TTM)$3.49
52-Week High$44.60
52-Week Low$27.00
Dividend Yield4.95%

Financials & Margins

MetricValue
ROE14.10%
ROA1.79%
ROCE8.71%
Gross Margin-525.91%
Operating Margin-224.49%
Net Margin-203.55%
Debt/Equity0.56
Current Ratio0.08

Annual Financials (USD)

Metric20212022202320242025
Revenue$112.4B$136.7B$179.5B$232.5B$271.3B
Operating Profit$33.5B$51.4B$65.2B$87.0B$87.3B
Net Profit$23.9B$39.6B$51.7B$62.0B$68.1B
EPS$1942.40$3221.60$4360.80$4712.00$5151.20
Op Margin29.8%37.6%36.3%37.4%32.2%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$2.42T$2.60T$2.89T$3.32T$3.65T
Total Liabilities$2.13T$2.28T$2.53T$2.89T$3.17T
Cash$339.3B$268.5B$271.6B$287.3B$159.3B
Borrowings$112.4B$119.9B$157.5B$188.0B$236.5B

Latest News

Bank of the Philippine Islands (BPHLY) (Q2 2026) Earnings Call Highlights: Record Revenue ... GuruFocus.com · Aug 4, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$206.5B$-43.4B$73.0B$-22.3B$80.4B
Investing Cash Flow$-110.0B$-42.4B$-84.0B$41.8B$-442.1B
Financing Cash Flow$-1.9B$-1.8B$-2.3B$-2.1B$227.8B
Net Cash Flow$35.4B$-92.8B$15.4B$11.6B$-88.2B
Free Cash Flow$200.9B$-45.1B$68.2B$-25.7B$73.9B

Valuation & Return Ratios

MetricValue
PEG Ratio3.76
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y-18.77%
Return 3Y-9.44%
Return 5Y8.59%

Ownership

Insiders Held0.00%
Institutions Held0.00%
Institutions Float Held0.00%
Institutional HolderSharesReport Date
PNC Financial Services Group, Inc.8742026-03-31

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
ADBKFAddiko Bank AG $32.25 +6.67% 14.14 $622.01M 0.00%
AMBZAmerican Business Bank $73.00 +0.00% 11.44 $649.71M 1.64%
CNNDCanandaigua National Corporation $226.50 +0.00% 7.06 $414.81M 4.59%
DBINDacotah Banks, Inc. $46.00 +0.00% 10.72 $506.04M 1.57%
FFMRFirst Farmers Financial Corporation $34.01 +0.03% 13.88 $708.17M 3.06%

About Bank of the Philippine Islands

The Bank of the Philippine Islands (BPI), along with its various subsidiaries, delivers a comprehensive array of financial products and services to both individual consumers and corporate clients throughout the Philippines. Its business operations are organized into three principal divisions: Consumer Banking, Corporate Banking, and Investment Banking. The Consumer Banking segment caters to individuals and the broader retail market, offering services such as deposit accounts and management, personal lending products like home mortgages, auto loans, and credit card facilities, as well as remittance services. For corporate and institutional customers, including both large enterprises and middle-market firms, the Corporate Banking division provides deposit services, loan facilities, trade finance, and cash management solutions. The Investment Banking arm focuses on areas like corporate finance advisory, securities distribution, asset management, trust and fiduciary services, alongside proprietary trading and other investment activities. Furthermore, BPI's diverse offerings encompass financing, securities dealing, investment fund management, land ownership, operations management, business system development, foreign exchange services, real estate, pre-need plans, non-life insurance, and various leasing and rental arrangements. As of December 31, 2021, the bank maintained a substantial physical presence, operating 1,176 branches and a network of 2,457 automated teller machines (ATMs) and cash accept machines (CAMs). Customers also have convenient access to BPI's services through alternative electronic banking channels, including telephone, mobile applications, and its internet platform. The Bank of the Philippine Islands was founded in 1851 and has its main office situated in Makati City, Philippines.

Bank of the Philippine Islands is headquartered in PH.

Bank of the Philippine Islands (BPHLY) stock trades at $34.33 with a market capitalization of $454.49M. The stock is valued at a price-to-earnings (P/E) ratio of 9.83, price-to-book of 1.36, price-to-sales of -20.06. Over the past 52 weeks the stock has ranged between $27.00 and $44.60, and currently trades 23.0% below its 52-week high. It pays a dividend yielding 4.95%.

On profitability, Bank of the Philippine Islands generates a return on equity (ROE) of 14.10%, above the typical market average, return on capital employed of 8.71%, an operating margin of -224.49%, a net profit margin of -203.55%.

Official website: www.bpi.com.ph

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