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Bank of the Philippine Islands BPHLY

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Price alert · BPHLY

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27.70 USD -3.62 -11.56%

At close · Oct 30

27.10 Day range 27.67
27.00 52-week range 44.49
YTD
-30.14%
1 year
-25.03%
Open
27.67
Prev close
31.32
Mkt cap
7.34B
Vol
1.20K
Avg vol
1.74K
EPS
4.27
P/E
6.49
More statistics
Low
27.10
High
27.67

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Financial health

Altman Z-Score

-0.72 Distress zone

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

Piotroski F-Score

5 / 9 Average

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

FMP rating

B-2 / 5 overall

  • DCF 5
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 5
  • P/B 1

Valuation

P/E 0.5×
FY 2016: 1.0×FY 2017: 0.9×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 1.0×FY 2021: 1.0×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 0.5×
FY 2016 5y median 0.5× FY 2025
P/S 0.1×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 0.2×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
P/B 0.1×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.1×
FY 2016 5y median 0.1× FY 2025
P/FCF 0.4×
FY 2016: 53.5×FY 2017: 7.0×FY 2018: -0.2×FY 2019: 1.2×FY 2020: 0.2×FY 2021: 0.1×FY 2022: -0.5×FY 2023: 0.4×FY 2024: -1.3×FY 2025: 0.4×
FY 2016 5y median 0.1× FY 2025
EV/EBITDA 1.2×
FY 2016: -7.0×FY 2017: -6.1×FY 2018: -2.7×FY 2019: -1.7×FY 2020: -3.4×FY 2021: -5.1×FY 2022: -2.2×FY 2023: -1.3×FY 2024: -0.7×FY 2025: 1.2×
FY 2016 5y median -1.3× FY 2025
EV/Sales 0.4×
FY 2016: -2.6×FY 2017: -2.3×FY 2018: -0.9×FY 2019: -0.6×FY 2020: -0.9×FY 2021: -1.8×FY 2022: -0.9×FY 2023: -0.5×FY 2024: -0.3×FY 2025: 0.4×
FY 2016 5y median -0.5× FY 2025
FCF Yield 240.1%
FY 2016: 1.9%FY 2017: 14.2%FY 2018: -469.4%FY 2019: 80.5%FY 2020: 426.3%FY 2021: 839.4%FY 2022: -193.2%FY 2023: 285.1%FY 2024: -76.5%FY 2025: 240.1%
FY 2016 5y median 240.1% 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: 80.9%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: 20.5%FY 2021: 29.8%FY 2022: 37.6%FY 2023: 36.3%FY 2024: 37.4%FY 2025: 32.2%
FY 2016 5y median 36.3% FY 2025
Net Margin 25.1%
FY 2016: 26.7%FY 2017: 25.2%FY 2018: 23.0%FY 2019: 22.6%FY 2020: 17.0%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 14.3%
FY 2016: 13.4%FY 2017: 12.4%FY 2018: 9.3%FY 2019: 10.7%FY 2020: 7.7%FY 2021: 8.1%FY 2022: 12.5%FY 2023: 14.5%FY 2024: 14.4%FY 2025: 14.3%
FY 2016 5y median 14.3% FY 2025
ROIC 1.9%
FY 2016: 7.7%FY 2017: 3.5%FY 2018: 4.7%FY 2019: 5.8%FY 2020: 2.9%FY 2021: 5.2%FY 2022: 8.1%FY 2023: 8.9%FY 2024: 9.8%FY 2025: 1.9%
FY 2016 5y median 8.1% FY 2025
ROA 1.9%
FY 2016: 1.3%FY 2017: 1.2%FY 2018: 1.1%FY 2019: 1.3%FY 2020: 1.0%FY 2021: 1.0%FY 2022: 1.5%FY 2023: 1.8%FY 2024: 1.9%FY 2025: 1.9%
FY 2016 5y median 1.8% FY 2025

Growth (YoY)

Revenue 16.7%
FY 2016: 8.3%FY 2017: 7.7%FY 2018: 13.1%FY 2019: 26.6%FY 2020: -1.0%FY 2021: -10.7%FY 2022: 21.6%FY 2023: 31.3%FY 2024: 29.5%FY 2025: 16.7%
FY 2016 FY 2025
Operating Income 0.5%
FY 2016: 14.0%FY 2017: 7.0%FY 2018: 3.9%FY 2019: 28.6%FY 2020: -32.8%FY 2021: 30.1%FY 2022: 53.2%FY 2023: 26.9%FY 2024: 33.3%FY 2025: 0.5%
FY 2016 FY 2025
EPS (diluted) 9.3%
FY 2016: 20.8%FY 2017: 1.6%FY 2018: -6.0%FY 2019: 19.5%FY 2020: -25.8%FY 2021: 11.5%FY 2022: 65.9%FY 2023: 35.4%FY 2024: 8.1%FY 2025: 9.3%
FY 2016 FY 2025
Free Cash Flow 388.1%
FY 2016: -99.3%FY 2017: 627.0%FY 2018: -3906.8%FY 2019: 118.2%FY 2020: 343.5%FY 2021: 127.0%FY 2022: -122.4%FY 2023: 251.3%FY 2024: -137.6%FY 2025: 388.1%
FY 2016 FY 2025

Financial Health

Current Ratio 1.7×
FY 2016: 0.2×FY 2017: 57.7×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 54.0×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.7×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 1.7×
FY 2016: 0.2×FY 2017: 116×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 109×FY 2021: 0.2×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.7×
FY 2016 5y median 0.1× 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 0.8×
FY 2016: -7.7×FY 2017: -6.8×FY 2018: -3.3×FY 2019: -2.3×FY 2020: -4.1×FY 2021: -5.7×FY 2022: -2.6×FY 2023: -1.6×FY 2024: -1.1×FY 2025: 0.8×
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: 1.1×FY 2021: 2.2×FY 2022: 2.8×FY 2023: 1.6×FY 2024: 1.4×FY 2025: 1.3×
FY 2016 5y median 1.6× FY 2025

Dividends

Dividend Yield 77.0%
FY 2016: 33.5%FY 2017: 34.9%FY 2018: 32.5%FY 2019: 49.1%FY 2020: 39.1%FY 2021: 33.9%FY 2022: 41.0%FY 2023: 67.4%FY 2024: 62.7%FY 2025: 77.0%
FY 2016 5y median 62.7% FY 2025
Payout Ratio 34.8%
FY 2016: 32.1%FY 2017: 31.6%FY 2018: 32.9%FY 2019: 42.2%FY 2020: 37.9%FY 2021: 34.0%FY 2022: 24.2%FY 2023: 31.2%FY 2024: 33.9%FY 2025: 34.8%
FY 2016 5y median 33.9% FY 2025

Annual · latest fiscal year ends 2025-12-31