Bank of the Philippine Islands (BPHLY)
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No price history available.
Key financial summary
Financials in PHP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | PHP bn | 102 | 97 | 119 | 138 | 170 | 202 | 197 | - |
| Operating profit | PHP bn | 87 | 86 | ||||||
| Net profit | PHP bn | 21 | 24 | 40 | 52 | 62 | 68 | 67 | 3 |
| EPS reported | PHP | 5,151 | 5,069 | ||||||
| Operating cashflow per share | PHP | 6,085 | 266.5 | ||||||
| Capex per share | PHP | 487.4 | 25.75 | ||||||
| FCF per share | PHP | 5,598 | 240.7 | ||||||
| Free cash flow | PHP bn | 74 | 11 | ||||||
| Net debt | PHP bn | 30 | 53 | ||||||
| Book value equity | PHP bn | 476 | 483 | ||||||
| Book value per share | PHP | 36,058 | 36,567 | ||||||
| Number of shares | m | 13.21 | 13.2 | ||||||
| DPS (TTM paid) | PHP | 101.6 | 101.6 |
Financial summary
Financials in PHP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | 0.39 | ||||||
| P/B LTM | x | 0.06 | 0.06 | ||||||
| P/S LTM | x | 0.15 | 0.16 | ||||||
| P/FCF LTM | x | 0.42 | 2.69 | ||||||
| EV/EBITDA LTM | x | 1.16 | 1.18 | ||||||
| EV/Sales LTM | x | 0.40 | -174.86 | ||||||
| Earnings Yield LTM | % | +2.21% | +256.41% | ||||||
| FCF Yield | % | +240.09% | +37.24% | ||||||
| Quality | |||||||||
| ROE | % | +14.30% | +13.91% | ||||||
| ROIC | % | +1.87% | +1.97% | ||||||
| Operating margin | % | +32.19% | -21.45% | ||||||
| Gross margin | % | +67.64% | -41.85% | ||||||
| FCF/Sales | % | +27.25% | -1460.8% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +9.32% | +7.57% | ||||||
| Sales Growth YoY | % | +18.82% | +15.76% | ||||||
| Net Income Growth YoY | % | +9.78% | +7.89% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | +0.45% | -1.64% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +77.01% | +3.96% | ||||||
| Dividend Growth | % | +15.04% | +15.04% | ||||||
| Payout Ratio | % | +34.86% | +34.82% | ||||||
| FCF/Debt | x | 0.31 | 0.04 | ||||||
| Net Debt/EBITDA | x | 0.83 | 1.07 | ||||||
| EBIT/Net interest | x | 1.26 | 1.77 | ||||||
| Net debt/market cap | % | +7.45% | +43.15% | ||||||
| Net debt/Equity | x | 0.06 | 0.11 | ||||||
| Gross debt/equity | x | 0.50 | 0.59 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Bank of the Philippine Islands (BPHLY)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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