Bank of the Philippine Islands Logo

Bank of the Philippine Islands

BPHLY

(3.2)
Stock Price

42,72 USD

1.84% ROA

15.06% ROE

267.75x PER

Market Cap.

764.399.673.770,51 USD

38.05% DER

0.04% Yield

29.12% NPM

Bank of the Philippine Islands Stock Analysis

Bank of the Philippine Islands Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bank of the Philippine Islands Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (32%), which means it has a small amount of debt compared to the ownership it holds

2 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

3 ROE

ROE in an average range (13.65%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (1.65%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (1.55x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

8 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

9 Dividend Growth

The company's dividend growth has shown a positive trajectory over the past three years, consistently increasing year after year, indicating a favorable trend for potential investors.

10 Dividend

The company's track record of consistently paying dividends in the last three years highlights its dedication to providing investors with regular income.

11 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (7.249), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

Bank of the Philippine Islands Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bank of the Philippine Islands Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Bank of the Philippine Islands Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bank of the Philippine Islands Revenue
Year Revenue Growth
2004 22.712.000.000
2005 27.552.000.000 17.57%
2006 30.601.000.000 9.96%
2007 32.554.000.000 6%
2008 29.784.000.000 -9.3%
2009 34.395.000.000 13.41%
2010 38.997.000.000 11.8%
2011 42.828.000.000 8.95%
2012 48.726.000.000 12.1%
2013 54.053.000.000 9.86%
2014 57.222.000.000 5.54%
2015 60.786.000.000 5.86%
2016 68.041.000.000 10.66%
2017 72.514.000.000 6.17%
2018 78.524.000.000 7.65%
2019 94.334.000.000 16.76%
2020 101.923.000.000 7.45%
2021 97.405.000.000 -4.64%
2022 118.520.000.000 17.82%
2023 141.142.136.000 16.03%
2023 182.280.000.000 22.57%
2024 227.241.908.000 19.79%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bank of the Philippine Islands Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bank of the Philippine Islands General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 2.672.000.000 100%
2012 2.844.000.000 6.05%
2013 1.713.000.000 -66.02%
2014 1.763.000.000 2.84%
2015 2.054.000.000 14.17%
2016 2.237.000.000 8.18%
2017 2.273.000.000 1.58%
2018 2.787.000.000 18.44%
2019 2.842.000.000 1.94%
2020 2.556.000.000 -11.19%
2021 2.646.000.000 3.4%
2022 1.524.000.000 -73.62%
2023 0 0%
2023 1.693.000.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bank of the Philippine Islands EBITDA
Year EBITDA Growth
2004 9.990.000.000
2005 11.712.000.000 14.7%
2006 13.107.000.000 10.64%
2007 14.615.000.000 10.32%
2008 11.596.000.000 -26.03%
2009 14.456.000.000 19.78%
2010 17.008.000.000 15%
2011 18.992.000.000 10.45%
2012 22.769.000.000 16.59%
2013 26.423.000.000 13.83%
2014 26.584.000.000 0.61%
2015 27.033.000.000 1.66%
2016 30.463.000.000 11.26%
2017 32.627.000.000 6.63%
2018 34.545.000.000 5.55%
2019 45.287.000.000 23.72%
2020 31.338.000.000 -44.51%
2021 39.556.000.000 20.78%
2022 56.582.000.000 30.09%
2023 75.012.824.000 24.57%
2023 10.000.000 -750028.24%
2024 5.298.640.000 99.81%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bank of the Philippine Islands Gross Profit
Year Gross Profit Growth
2004 22.712.000.000
2005 27.552.000.000 17.57%
2006 30.601.000.000 9.96%
2007 32.554.000.000 6%
2008 29.784.000.000 -9.3%
2009 34.395.000.000 13.41%
2010 38.997.000.000 11.8%
2011 42.828.000.000 8.95%
2012 48.726.000.000 12.1%
2013 54.053.000.000 9.86%
2014 57.222.000.000 5.54%
2015 60.786.000.000 5.86%
2016 68.041.000.000 10.66%
2017 72.514.000.000 6.17%
2018 78.524.000.000 7.65%
2019 94.334.000.000 16.76%
2020 101.923.000.000 7.45%
2021 97.405.000.000 -4.64%
2022 118.520.000.000 17.82%
2023 141.142.136.000 16.03%
2023 186.580.000.000 24.35%
2024 227.241.908.000 17.89%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bank of the Philippine Islands Net Profit
Year Net Profit Growth
2004 6.733.000.000
2005 8.383.000.000 19.68%
2006 9.040.000.000 7.27%
2007 10.012.000.000 9.71%
2008 6.423.000.000 -55.88%
2009 8.516.000.000 24.58%
2010 11.312.000.000 24.72%
2011 12.822.000.000 11.78%
2012 16.291.000.000 21.29%
2013 18.811.000.000 13.4%
2014 18.039.000.000 -4.28%
2015 18.234.000.000 1.07%
2016 22.050.000.000 17.31%
2017 22.416.000.000 1.63%
2018 23.078.000.000 2.87%
2019 28.803.000.000 19.88%
2020 21.409.000.000 -34.54%
2021 23.880.000.000 10.35%
2022 39.605.000.000 39.7%
2023 53.863.248.000 26.47%
2023 51.687.000.000 -4.21%
2024 61.206.884.000 15.55%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bank of the Philippine Islands Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 36
2005 44 20.45%
2006 47 6.38%
2007 53 9.62%
2008 35 -52.94%
2009 46 24.44%
2010 59 23.73%
2011 63 6.35%
2012 80 21.25%
2013 93 13.04%
2014 82 -12.2%
2015 83 0%
2016 103 19.61%
2017 104 1.92%
2018 98 -6.12%
2019 6 -1860%
2020 4 -25%
2021 5 0%
2022 8 50%
2023 218 96.31%
2023 11 -2070%
2024 12 9.09%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bank of the Philippine Islands Free Cashflow
Year Free Cashflow Growth
2004 20.533.000.000
2005 36.397.000.000 43.59%
2006 -488.000.000 7558.4%
2007 19.055.000.000 102.56%
2008 -33.767.000.000 156.43%
2009 10.296.000.000 427.96%
2010 152.099.000.000 93.23%
2011 -46.968.000.000 423.84%
2012 61.434.000.000 176.45%
2013 122.778.000.000 49.96%
2014 24.344.000.000 -404.35%
2015 55.525.000.000 56.16%
2016 396.000.000 -13921.46%
2017 2.879.000.000 86.25%
2018 -109.598.000.000 102.63%
2019 18.481.000.000 693.03%
2020 88.486.000.000 79.11%
2021 201.674.000.000 56.12%
2022 -45.075.000.000 547.42%
2023 47.112.000.000 195.68%
2023 21.151.000.000 -122.74%
2024 20.512.000.000 -3.12%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bank of the Philippine Islands Operating Cashflow
Year Operating Cashflow Growth
2004 21.096.000.000
2005 42.216.000.000 50.03%
2006 1.736.000.000 -2331.8%
2007 19.776.000.000 91.22%
2008 -31.361.000.000 163.06%
2009 12.772.000.000 345.54%
2010 154.630.000.000 91.74%
2011 -43.722.000.000 453.67%
2012 64.182.000.000 168.12%
2013 125.335.000.000 48.79%
2014 27.778.000.000 -351.2%
2015 57.028.000.000 51.29%
2016 4.505.000.000 -1165.88%
2017 7.070.000.000 36.28%
2018 -104.550.000.000 106.76%
2019 31.881.000.000 427.94%
2020 89.254.000.000 64.28%
2021 206.480.000.000 56.77%
2022 -43.418.000.000 575.56%
2023 52.160.000.000 183.24%
2023 22.322.000.000 -133.67%
2024 21.678.000.000 -2.97%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bank of the Philippine Islands Capital Expenditure
Year Capital Expenditure Growth
2004 563.000.000
2005 5.819.000.000 90.32%
2006 2.224.000.000 -161.65%
2007 721.000.000 -208.46%
2008 2.406.000.000 70.03%
2009 2.476.000.000 2.83%
2010 2.531.000.000 2.17%
2011 3.246.000.000 22.03%
2012 2.748.000.000 -18.12%
2013 2.557.000.000 -7.47%
2014 3.434.000.000 25.54%
2015 1.503.000.000 -128.48%
2016 4.109.000.000 63.42%
2017 4.191.000.000 1.96%
2018 5.048.000.000 16.98%
2019 13.400.000.000 62.33%
2020 768.000.000 -1644.79%
2021 4.806.000.000 84.02%
2022 1.657.000.000 -190.04%
2023 5.048.000.000 67.18%
2023 1.171.000.000 -331.08%
2024 1.166.000.000 -0.43%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bank of the Philippine Islands Equity
Year Equity Growth
2005 60.068.000.000
2006 65.487.000.000 8.27%
2007 71.131.000.000 7.93%
2008 63.872.000.000 -11.36%
2009 67.765.000.000 5.74%
2010 82.275.000.000 17.64%
2011 90.530.000.000 9.12%
2012 98.522.000.000 8.11%
2013 105.807.000.000 6.89%
2014 146.679.000.000 27.86%
2015 152.730.000.000 3.96%
2016 167.684.000.000 8.92%
2017 183.551.000.000 8.64%
2018 251.538.000.000 27.03%
2019 273.034.000.000 7.87%
2020 281.957.000.000 3.16%
2021 295.156.000.000 4.47%
2022 319.804.000.000 7.71%
2023 359.370.000.000 11.01%
2023 351.671.160.000 -2.19%
2024 408.680.883.000 13.95%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bank of the Philippine Islands Assets
Year Assets Growth
2005 529.285.000.000
2006 581.970.000.000 9.05%
2007 637.285.000.000 8.68%
2008 666.612.000.000 4.4%
2009 724.420.000.000 7.98%
2010 878.146.000.000 17.51%
2011 842.616.000.000 -4.22%
2012 985.069.000.000 14.46%
2013 1.195.364.000.000 17.59%
2014 1.450.197.000.000 17.57%
2015 1.516.356.000.000 4.36%
2016 1.725.696.000.000 12.13%
2017 1.903.905.000.000 9.36%
2018 2.085.228.000.000 8.7%
2019 2.205.030.000.000 5.43%
2020 2.233.443.000.000 1.27%
2021 2.421.915.000.000 7.78%
2022 2.603.961.000.000 6.99%
2023 2.888.545.000.000 9.85%
2023 2.709.938.789.000 -6.59%
2024 3.109.983.878.000 12.86%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bank of the Philippine Islands Liabilities
Year Liabilities Growth
2005 469.217.000.000
2006 7.947.000.000 -5804.33%
2007 566.154.000.000 98.6%
2008 602.740.000.000 6.07%
2009 656.655.000.000 8.21%
2010 795.871.000.000 17.49%
2011 24.136.000.000 -3197.44%
2012 886.547.000.000 97.28%
2013 1.089.557.000.000 18.63%
2014 1.303.518.000.000 16.41%
2015 1.363.626.000.000 4.41%
2016 1.558.012.000.000 12.48%
2017 1.720.354.000.000 9.44%
2018 1.833.690.000.000 6.18%
2019 1.931.996.000.000 5.09%
2020 1.951.486.000.000 1%
2021 2.126.759.000.000 8.24%
2022 2.284.157.000.000 6.89%
2023 2.529.175.000.000 9.69%
2023 101.603.002.000 -2389.27%
2024 2.701.302.995.000 96.24%

Bank of the Philippine Islands Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
37.19
Net Income per Share
10.83
Price to Earning Ratio
267.75x
Price To Sales Ratio
3.9x
POCF Ratio
237.44
PFCF Ratio
12.71
Price to Book Ratio
37.61
EV to Sales
3.18
EV Over EBITDA
29.51
EV to Operating CashFlow
9.67
EV to FreeCashFlow
10.36
Earnings Yield
0
FreeCashFlow Yield
0.08
Market Cap
764,40 Bil.
Enterprise Value
622,72 Bil.
Graham Number
137.08
Graham NetNet
-559.12

Income Statement Metrics

Net Income per Share
10.83
Income Quality
1.06
ROE
0.15
Return On Assets
0.02
Return On Capital Employed
0.03
Net Income per EBT
0.78
EBT Per Ebit
1.38
Ebit per Revenue
0.27
Effective Tax Rate
0.21

Margins

Sales, General, & Administrative to Revenue
0.07
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
-0
Gross Profit Margin
0.99
Operating Profit Margin
0.27
Pretax Profit Margin
0.37
Net Profit Margin
0.29

Dividends

Dividend Yield
0
Dividend Yield %
0.04
Payout Ratio
0.32
Dividend Per Share
0.02

Operating Metrics

Operating Cashflow per Share
12.21
Free CashFlow per Share
11.4
Capex to Operating CashFlow
0.07
Capex to Revenue
0.02
Capex to Depreciation
0.67
Return on Invested Capital
0.07
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
3381.03
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0.11
Inventory Turnover
0
Capex per Share
0.81

Balance Sheet

Cash per Share
-46,74
Book Value per Share
77,52
Tangible Book Value per Share
75.74
Shareholders Equity per Share
77.11
Interest Debt per Share
39.42
Debt to Equity
0.38
Debt to Assets
0.05
Net Debt to EBITDA
-6.71
Current Ratio
0.23
Tangible Asset Value
399,33 Bil.
Net Current Asset Value
-2.330,70 Bil.
Invested Capital
-1201746354000
Working Capital
-1.231,33 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
9,44 Bil.
Average Inventory
0
Debt to Market Cap
0.2

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bank of the Philippine Islands Dividends
Year Dividends Growth
2012 0
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

Bank of the Philippine Islands Profile

About Bank of the Philippine Islands

Bank of the Philippine Islands, together with its subsidiaries, provides various financial products and services to retail and corporate clients in the Philippines. It operates through Consumer Banking, Corporate Banking, and Investment Banking segments. The Consumer Banking segment offers deposit taking and servicing; and consumer lending, such as home mortgages, auto loans, and credit card finance, as well as remittance services to individual and retail markets. The Corporate Banking segment provides deposit taking and servicing, loan facilities, trade, and cash management to corporate and institutional customers, such as high-end corporations and middle market clients. The Investment Banking segment offers corporate finance, securities distribution, asset management, trust, and fiduciary services, as well as proprietary trading and investment activities. The company also provides financing, securities dealer, investment management, land holding, operations management, business systems, foreign exchange, real estate, pre-need, non-life insurance, leasing, and rental services. As of December 31, 2021, it operated 1,176 branches, and 2,457 automated teller machines and cash accept machines. The company also serves its customers through alternative electronic banking channels, such as telephone, mobile phone, and the internet. Bank of the Philippine Islands was founded in 1851 and is based in Makati City, the Philippines.

CEO
Mr. Jose Teodoro Katigbak Limc
Employee
18.982
Address
Tower One
Makati City, 1229

Bank of the Philippine Islands Executives & BODs

Bank of the Philippine Islands Executives & BODs
# Name Age
1 Mr. Jose Teodoro Katigbak Limcaoco
President, Chief Executive Officer & Director
70
2 Madam Maria Lourdes Pauscal Gatmaytan
Senior Vice President, Co-Head of Legal, Head of Corporate Legal Affairs & Corporate Secretary
70
3 Maria Ramona O. Ang
Investor Relations Officer
70
4 Ms. Maria Paz A. Garcia
Chief Compliance officer & Senior Vice President
70
5 Ms. Maria Virginia Ongkiko Eala
Chief Human Resources Officer & Senior Vice President
70
6 Mr. Alexender G. Seminiano
Senior Vice President and Chief Technology Officer
70
7 Ms. Mary Catherine Elizabeth R. Santamaria
Senior Vice President and Chief Customer & Marketing Officer
70
8 Ms. Marie Josephine M. Ocampo
Executive Vice President & Head of Mass Retail Products
70
9 Mr. Eric Roberto Mirasol Luchangco
Chief Financial Officer & Chief Sustainability Officer
70
10 Sheryl G. Ngo Sy
Senior Vice President & Information officer
70

Bank of the Philippine Islands Competitors