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Bank of the Philippine Islands BPHLF

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Price alert · BPHLF

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2.00 USD 0.00 0.00%

At close · Oct 30

1.90 Day range 2.00
1.68 52-week range 2.55
YTD
+17.65%
1 year
+23.46%
Open
2.00
Prev close
2.00
Mkt cap
10.59B
Vol
2.00K
Avg vol
0
EPS
0.22
P/E
9.09
More statistics
Low
1.90
High
2.00
Earnings
Oct 15, 2026

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Financial health

Altman Z-Score

0.35 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C-1 / 5 overall

  • DCF 1
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 3
  • P/B 1

Valuation

P/E 476×
FY 2016: 17.5×FY 2017: 17.3×FY 2018: 18.7×FY 2019: 13.3×FY 2020: 17.2×FY 2021: 15.6×FY 2022: 8.7×FY 2023: 9.6×FY 2024: 11.1×FY 2025: 476×
FY 2016 5y median 11.1× FY 2025
P/S 117×
FY 2016: 4.7×FY 2017: 4.4×FY 2018: 4.3×FY 2019: 3.0×FY 2020: 3.6×FY 2021: 3.3×FY 2022: 2.5×FY 2023: 2.8×FY 2024: 3.0×FY 2025: 117×
FY 2016 5y median 3.0× FY 2025
P/B 1.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.0×FY 2021: 1.3×FY 2022: 1.1×FY 2023: 1.4×FY 2024: 1.6×FY 2025: 1.1×
FY 2016 5y median 1.3× FY 2025
P/FCF -5.1×
FY 2016: 19.7×FY 2017: 2.7×FY 2018: -0.1×FY 2019: 0.4×FY 2020: 0.1×FY 2021: 0.0×FY 2022: -0.1×FY 2023: 0.1×FY 2024: -26.9×FY 2025: -5.1×
FY 2016 5y median -0.1× FY 2025
EV/EBITDA 82.2×
FY 2016: -370×FY 2017: -325×FY 2018: -164×FY 2019: -111×FY 2020: 0.0×FY 2021: 3.6×FY 2022: -252×FY 2023: 5.3×FY 2024: 7.0×FY 2025: 82.2×
FY 2016 5y median 5.3× FY 2025
EV/Sales 135×
FY 2016: -138×FY 2017: -121×FY 2018: -56.4×FY 2019: -39.6×FY 2020: -57.4×FY 2021: 1.3×FY 2022: -105×FY 2023: 2.1×FY 2024: 2.5×FY 2025: 135×
FY 2016 5y median 2.1× FY 2025
FCF Yield -19.7%
FY 2016: 5.1%FY 2017: 37.0%FY 2018: -1338.6%FY 2019: 270.8%FY 2020: 1149.0%FY 2021: 2757.5%FY 2022: -721.1%FY 2023: 762.7%FY 2024: -3.7%FY 2025: -19.7%
FY 2016 5y median -3.7% FY 2025

Profitability

Gross Margin 67.6%
FY 2016: 80.7%FY 2017: 80.0%FY 2018: 76.3%FY 2019: 72.5%FY 2020: 100.0%FY 2021: 86.6%FY 2022: 86.7%FY 2023: 77.0%FY 2024: 73.2%FY 2025: 67.6%
FY 2016 5y median 77.0% FY 2025
Operating Margin 32.2%
FY 2016: 32.5%FY 2017: 32.3%FY 2018: 29.7%FY 2019: 30.2%FY 2020: 53.2%FY 2021: 29.8%FY 2022: 37.6%FY 2023: 36.3%FY 2024: 34.3%FY 2025: 32.2%
FY 2016 5y median 34.3% FY 2025
Net Margin 25.1%
FY 2016: 26.7%FY 2017: 25.2%FY 2018: 23.0%FY 2019: 22.6%FY 2020: 21.0%FY 2021: 21.2%FY 2022: 29.0%FY 2023: 28.8%FY 2024: 26.7%FY 2025: 25.1%
FY 2016 5y median 26.7% FY 2025
ROE 0.2%
FY 2016: 0.3%FY 2017: 0.2%FY 2018: 0.2%FY 2019: 0.2%FY 2020: 0.2%FY 2021: 8.2%FY 2022: 12.6%FY 2023: 14.5%FY 2024: 14.4%FY 2025: 0.2%
FY 2016 5y median 12.6% FY 2025
ROIC 0.0%
FY 2016: 0.2%FY 2017: 0.1%FY 2018: 0.1%FY 2019: 0.1%FY 2020: 0.2%FY 2021: 5.2%FY 2022: 1.6%FY 2023: 9.1%FY 2024: 9.3%FY 2025: 0.0%
FY 2016 5y median 5.2% FY 2025
ROA 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 1.0%FY 2022: 1.5%FY 2023: 1.8%FY 2024: 1.9%FY 2025: 0.0%
FY 2016 5y median 1.5% FY 2025

Growth (YoY)

Revenue -98.1%
FY 2016: 8.3%FY 2017: 7.7%FY 2018: 13.1%FY 2019: 26.6%FY 2020: -19.9%FY 2021: 10.3%FY 2022: 21.6%FY 2023: 31.3%FY 2024: 29.5%FY 2025: -98.1%
FY 2016 FY 2025
Operating Income -98.2%
FY 2016: 14.0%FY 2017: 7.0%FY 2018: 3.9%FY 2019: 28.6%FY 2020: 41.3%FY 2021: -38.1%FY 2022: 53.2%FY 2023: 26.9%FY 2024: 22.3%FY 2025: -98.2%
FY 2016 FY 2025
EPS (diluted) -98.2%
FY 2016: 24.2%FY 2017: 1.6%FY 2018: -6.1%FY 2019: 19.6%FY 2020: -25.8%FY 2021: 21.6%FY 2022: 66.0%FY 2023: 24.1%FY 2024: 8.1%FY 2025: -98.2%
FY 2016 FY 2025
Free Cash Flow -305.7%
FY 2016: -99.2%FY 2017: 631.0%FY 2018: -4121.7%FY 2019: 118.0%FY 2020: 308.6%FY 2021: 141.8%FY 2022: -124.2%FY 2023: 252.6%FY 2024: -100.7%FY 2025: -305.7%
FY 2016 FY 2025

Financial Health

Current Ratio 1.7×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 4.9×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.7×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 1.7×
FY 2016: 0.2×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 23.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.7×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.5×
FY 2016: 0.4×FY 2017: 0.5×FY 2018: 0.7×FY 2019: 0.6×FY 2020: 0.6×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.5×
FY 2016 5y median 0.4× FY 2025
Net Debt / EBITDA 10.4×
FY 2016: -383×FY 2017: -337×FY 2018: -176×FY 2019: -119×FY 2020: 0.0×FY 2021: -5.7×FY 2022: -258×FY 2023: -1.6×FY 2024: -1.2×FY 2025: 10.4×
FY 2016 5y median -1.6× FY 2025
Interest Coverage 1.3×
FY 2016: 1.7×FY 2017: 1.6×FY 2018: 1.2×FY 2019: 1.1×FY 2020: 2.3×FY 2021: 2.2×FY 2022: 2.8×FY 2023: 1.6×FY 2024: 1.3×FY 2025: 1.3×
FY 2016 5y median 1.6× FY 2025

Dividends

Dividend Yield 4.4%
FY 2016: 91.0%FY 2017: 91.2%FY 2018: 92.8%FY 2019: 165.1%FY 2020: 105.8%FY 2021: 111.5%FY 2022: 155.9%FY 2023: 180.4%FY 2024: 3.0%FY 2025: 4.4%
FY 2016 5y median 111.5% FY 2025
Payout Ratio 2047.3%
FY 2016: 1592.9%FY 2017: 1577.1%FY 2018: 1734.5%FY 2019: 2194.7%FY 2020: 1822.0%FY 2021: 1734.2%FY 2022: 1353.8%FY 2023: 1731.1%FY 2024: 33.9%FY 2025: 2047.3%
FY 2016 5y median 1731.1% FY 2025

Annual · latest fiscal year ends 2025-12-31