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Bank of the Philippine Islands (BPHLF)

USD2.00 +0.00 (+0.00%)
PH OTC Financial Services Banks - Regional
Address Tower One 1229
Makati City, PH
CEO Jose Teodoro Katigbak Limcaoco
Website bpi.com.ph
IPO 2013-04-03
ISIN PHY0967S1694

Explore sections of this company profile

Also trades on Other OTC · BPHLF (USD) Other OTC · BPHLY (USD)
Description

Bank of the Philippine Islands (BPI), along with its affiliated companies, delivers a comprehensive array of financial solutions and services to both individual consumers and corporate entities throughout the Philippines. Its operations are structured into three main divisions: Consumer Banking, Corporate Banking, and Investment Banking. The Consumer Banking division caters to individual and retail clients, providing deposit services, various consumer loan products (including home mortgages, auto financing, and credit card facilities), and remittance services. For corporate and institutional clients, encompassing large corporations and mid-market businesses, the Corporate Banking division offers deposit management, credit facilities, trade finance, and cash management solutions. The Investment Banking division focuses on corporate advisory, securities dealing, wealth management, trust and fiduciary services, as well as proprietary trading and strategic investment activities. Beyond these core offerings, BPI's extensive service portfolio also incorporates financing options, securities dealership, investment and asset management, real estate activities (such as land holding, leasing, and rental), foreign exchange services, specialized business support (including operations management and business systems), pre-need products, and non-life insurance. As of December 31, 2021, the bank maintained a vast physical presence with 1,176 branches and a total of 2,457 automated teller machines (ATMs) and cash acceptance machines (CAMs). Furthermore, customers can access BPI's services through a range of electronic channels, including telephone banking, mobile applications, and online platforms. Established in 1851, Bank of the Philippine Islands is headquartered in Makati City, the Philippines.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD2.00 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
814
Beta
0.35
Float Shares
1.89B
Free Float %
35.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +0.00% +0.00% +17.65% +17.65% +8.11% +12.99% +28.21% +19.05% +138.10%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
2.00
Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.38
Distress
Piotroski F-Score
4 / 9
Average
Operational MOAT
  • Revenue growth
    -98.1% Q1'26: +12.6% (vs Q1'25)
  • EPS growth
    -98.2% Q1'26: +0.3% (vs Q1'25)
  • FCF margin
    Q1'26: +29.2% (vs Q1'25)
  • EBIT margin
    Q1'26: +31.5% (vs Q1'25)
  • ROIC
    Q1'26: +12.1% (vs Q1'25)
  • Share dilution
    +0.3% Q1'26: +0.2% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 2.94× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.34) × ERP
WACC = 73% × Ke + 27% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 2.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
7 Rev. Ana.
1 EPS Ana.
Dec 2027
9 Rev. Ana.
1 EPS Ana.
Dec 2028
3 Rev. Ana.
1 EPS Ana.
Revenue
76.17B
est: 59.75B (+27.5%)
82.49B
est: 65.66B (+25.6%)
88.83B
est: 72.78B (+22.0%)
100.47B
est: 75.14B (+33.7%)
127.17B
est: 96.44B (+31.9%)
101.91B
est: 103.18B (-1.2%)
112.45B
est: 96.56B (+16.5%)
136.72B
est: 115.57B (+18.3%)
179.52B
est: 136.57B (+31.5%)
232.45B
est: 169.02B (+37.5%)
4.50B
est: 191.63B (-97.7%)
205.96B
196.25B – 210.19B
+7.5% YoY
224.64B
205.71B – 240.72B
+9.1% YoY
244.71B
228.45B – 256.24B
+8.9% YoY
EBITDA
27.17B
est: 18.34B (+48.1%)
30.69B
est: 20.16B (+52.2%)
32.95B
est: 22.35B (+47.4%)
34.61B
est: 23.07B (+50.0%)
45.49B
est: 29.61B (+53.6%)
est: 31.68B (-100.0%)
39.79B
est: 29.65B (+34.2%)
56.81B
est: 35.48B (+60.1%)
71.83B
est: 41.93B (+71.3%)
85.00B
est: 63.47B (+33.9%)
1.54B
est: 71.96B (-97.9%)
77.34B
73.70B – 78.93B
+7.5% YoY
84.36B
77.25B – 90.39B
+9.1% YoY
91.89B
85.79B – 96.22B
+8.9% YoY
EBIT
23.51B
est: 15.79B (+48.9%)
26.81B
est: 17.35B (+54.5%)
28.69B
est: 19.23B (+49.2%)
29.82B
est: 19.85B (+50.2%)
38.36B
est: 25.48B (+50.5%)
-6.02B
est: 27.26B (-122.1%)
33.54B
est: 25.51B (+31.4%)
51.37B
est: 30.54B (+68.2%)
65.21B
est: 36.09B (+80.7%)
79.74B
est: 57.54B (+38.6%)
1.45B
est: 65.24B (-97.8%)
70.12B
66.81B – 71.56B
+7.5% YoY
76.48B
70.03B – 81.95B
+9.1% YoY
83.31B
77.77B – 87.24B
+8.9% YoY
Net Income
18.23B
est: 21.89B (-16.7%)
22.05B
est: 25.89B (-14.8%)
22.42B
est: 27.13B (-17.4%)
23.08B
est: 25.09B (-8.0%)
28.80B
est: 31.37B (-8.2%)
21.41B
est: 23.31B (-8.2%)
23.88B
est: 25.18B (-5.2%)
39.61B
est: 39.44B (+0.4%)
51.69B
est: 54.34B (-4.9%)
62.05B
est: 64.93B (-4.4%)
1.13B
est: 65.81B (-98.3%)
65.16B
59.53B – 69.15B
-1.0% YoY
71.77B
65.57B – 76.17B
+10.2% YoY
81.78B
74.71B – 86.79B
+13.9% YoY
SGA
2.29B
est: 1.50B (+52.8%)
2.25B
est: 1.64B (+36.5%)
2.26B
est: 1.82B (+23.9%)
2.50B
est: 1.88B (+32.7%)
2.65B
est: 2.42B (+9.5%)
1.84B
est: 2.58B (-28.9%)
2.15B
est: 2.42B (-11.1%)
3.92B
est: 2.89B (+35.3%)
5.82B
est: 3.42B (+70.1%)
6.28B
est: 10.29B (-38.9%)
886.45M
est: 11.66B (-92.4%)
12.53B
11.94B – 12.79B
+7.5% YoY
13.67B
12.52B – 14.65B
+9.1% YoY
14.89B
13.90B – 15.60B
+8.9% YoY
EPS
est: 4.16 (-100.0%)
est: 4.92 (-100.0%)
est: 5.15 (-100.0%)
est: 4.76 (-100.0%)
est: 5.96 (-100.0%)
208.87
est: 4.43 (+4,618.4%)
5.29
est: 4.78 (+10.6%)
8.78
est: 7.49 (+17.2%)
10.90
est: 10.32 (+5.6%)
11.78
est: 12.29 (-4.1%)
0.21
est: 12.45 (-98.3%)
12.33
11.27 – 13.09
-1.0% YoY
13.58
12.41 – 14.42
+10.2% YoY
15.48
14.14 – 16.43
+13.9% YoY

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-17.25B
OE per share TTM
-3.32
Owner's Yield
-163.19%
Maintenance CapEx ratio
1.32%
Maint CapEx / Avg PPE
14.1%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
64.4K
Shares Outstanding
5.30B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Alexender G. Seminiano Senior Vice President and Chief Technology Officer male
Attorney Maria Lourdes Pauscal Gatmaytan Senior Vice President, Co-Head of Legal, Head of Corporate Legal Affairs & Corporate Secretary
Eric Roberto Mirasol Luchangco Executive VP, CFO & Chief Sustainability Officer male
Jose Teodoro Katigbak Limcaoco President, Chief Executive Officer & Director male
Luis Antonio-Pando Zialcita Senior VP and Chief Investment Officer & Head of Investment Management male
Maria Paz A. Garcia Chief Compliance officer & Senior Vice President female
Maria Ramona O. Ang Investor Relations Officer female
Maria Virginia Ongkiko Eala Executive VP & CHRO female
Marie Josephine Ocampo Executive Vice President & Head of Mass Retail Products female
Mary Catherine Elizabeth R. Santamaria Senior Vice President and Chief Customer & Marketing Officer female
Sheryl G. Ngo Sy Senior VP & Chief Information officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits