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Bank of the Philippine Islands ADR

Financial Services US BPHLY

32.16USD
-2.04(5.96%)

Last update at 2026-06-22T20:00:00Z

Day Range

34.2034.20
LowHigh

52 Week Range

30.0049.50
LowHigh

Fundamentals

  • Previous Close 34.20
  • Market Cap8982.45M
  • Volume96
  • P/E Ratio8.02
  • Dividend Yield12.26%
  • Revenue TTM177527.00M
  • Revenue Per Share TTM672.46
  • Gross Profit TTM 177527.00M
  • Diluted EPS TTM4.24

Source: TradingView
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Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 87345.02M 79743.00M 65211.00M 51368.00M 33537.00M
Minority interest -232.00000M -191.00000M -221.74700M -231.00000M -230.00000M
Net income 68119.75M 62049.00M 51687.00M 39605.00M 23880.00M
Selling general administrative 53475.34M 2287.00M 1693.00M 1524.00M 2646.00M
Selling and marketing expenses 5278.00M 3996.00M 4124.00M 2393.00M 970.00M
Gross profit 183518.42M 170083.00M 138301.00M 118520.00M 97405.00M
Reconciled depreciation 5918.00M 5257.00M 6402.00M 5445.00M 6249.00M
Ebit 87345.02M - 65211.00M 51137.00M 33307.00M
Ebitda 92914.65M - 71826.00M 56582.00M 39556.00M
Depreciation and amortization 5569.62M 5257.00M 6615.00M 5445.00M 6249.00M
Non operating income net other - - - - -
Operating income 87220.28M 86952.00M 65211.00M 51137.00M 33307.00M
Other operating expenses 183966.28M 83131.00M 114312.00M 57641.00M 50360.00M
Interest expense 69221.00M 62368.00M 41222.00M 18202.00M 15034.00M
Tax provision 18575.00M 17503.00M 12849.83M 11532.00M 9427.00M
Interest income 215266.00M 189954.00M 135771.91M 103268.00M 84617.00M
Net interest income 148028.00M 127586.00M 100196.34M 85066.00M 69583.00M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 18993.16M 17503.00M 13299.00M 11532.00M 9427.00M
Total revenue 271311.30M 170083.00M 179523.00M 118520.00M 97405.00M
Total operating expenses 96173.39M 83131.00M 73090.00M 57641.00M 50360.00M
Cost of revenue 87792.88M 62368.00M 41222.00M - -
Total other income expense net -87220.27900M -7209.00000M -19931.00000M 231.00M 230.00M
Discontinued operations - - - - -
Net income from continuing ops 66847.00M 62240.00M 47900.29M 39836.00M 24110.00M
Net income applicable to common shares - - - 39605.00M 23880.00M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 3650359.71M 3318813.00M 2888372.00M 2603961.00M 2421915.00M
Intangible assets 17517.21M 9206.00M 854.00M - -
Earning assets - - - - -
Other current assets - -33246.00000M 1991.00M 195211.00M 184556.00M
Total liab 3171729.82M 2886123.00M 2529002.00M 2284157.00M 2126759.00M
Total stockholder equity 476314.04M 430469.00M 357204.00M 317722.00M 293060.00M
Deferred long term liab - - - - -
Other current liab - 2595513.00M -24079.00000M -4011.00000M -5396.00000M
Common stock 52720.55M 52610.00M 49307.00M 49193.00M 45131.00M
Capital stock 52747.00M 52610.00M 49307.00M 49193.00M 45131.00M
Retained earnings 273933.57M 236839.00M 204967.00M 211555.00M 181665.00M
Other liab - - - 27946.00M 28524.00M
Good will 9518.00M 9518.00M - - -
Other assets - 3318813.00M -627156.00000M 1748795.00M 1541362.00M
Cash 159282.09M 287298.00M 271582.00M 268497.00M 339304.00M
Cash and equivalents - - - - -
Total current liabilities 130745.41M 2622982.00M 24079.00M 4011.00M 5396.00M
Current deferred revenue - - 3063.00M - -
Net debt 77172.29M -99324.00000M -271582.00000M -148629.00000M -226950.00000M
Short term debt 130745.41M - 80901.00M - -
Short long term debt - - - - -
Short long term debt total 236454.38M 187974.00M 157204.00M 119868.00M 112354.00M
Other stockholder equity 143737.89M 143278.00M 113921.00M 268529.00M 247929.00M
Property plant equipment - - - 19355.00M 17525.00M
Total current assets 226356.44M 287298.00M 102126.00M 292814.00M 362570.00M
Long term investments 728686.00M 662282.00M 627156.00M 540681.00M 498469.00M
Net tangible assets - - - 315406.00M 291071.00M
Short term investments 39988.94M 7500.00M -169456.00000M - -
Net receivables 27085.41M 33246.00M 32597.00M 24317.00M 23266.00M
Long term debt - - - - -
Inventory - - 201865.00M 3760.00M 3282.00M
Accounts payable 12333.00M 8180.00M 7603.00M 4011.00M 5396.00M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income 5922.03M -2258.00000M -10991.00000M - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 52610.61M 2311099.00M -647761.00000M -562352.00000M -517983.00000M
Deferred long term asset charges - - - - -
Non current assets total 3424003.26M 3031515.00M 3413402.00M 562352.00M 517983.00M
Capital lease obligations - - - - -
Long term debt total - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -20136.00000M 45258.00M -25189.00000M -40718.00000M -101885.00000M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities -435652.51000M 45258.00M -79269.00000M -40718.00000M -104437.00000M
Net borrowings 59735.00M 11127.00M 39601.00M 840.00M -58808.00000M
Total cash from financing activities 264515.69M -11400.00000M 21667.00M -8697.00000M -66676.00000M
Change to operating activities - - - -228063.00000M -93016.00000M
Net income 68114.64M 79743.00M 65211.00M 51368.00M 33537.00M
Change in cash -88237.00000M 11605.00M 15362.00M -92833.00000M 35367.00M
Begin period cash flow 300087.00M 288482.00M 273120.00M 365953.00M 330586.00M
End period cash flow 211850.00M 300087.00M 288482.00M 273120.00M 365953.00M
Total cash from operating activities 80382.74M -22253.00000M 72964.00M -43418.00000M 206480.00M
Issuance of capital stock 669.00M 573.00M 258.00M 208.00M 256.00M
Depreciation 5918.00M 5257.00M 6615.00M 5445.00M 6249.00M
Other cashflows from investing activities -371061.44600M 524.00M 1974.00M 534.00M 834.00M
Dividends paid 23717.17M 21034.00M 16125.00M -9745.00000M -8124.00000M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock - - 197204.00M - -
Other cashflows from financing activities 227813.80M -2066.00000M -2265.00000M 840.00M -58808.00000M
Change to netincome - - - -1841.00000M 14964.00M
Capital expenditures 6438.76M 3416.00M 4778.00M 1657.00M 4806.00M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -5576.78100M -86990.00000M 14485.00M -86627.00000M 161387.00M
Stock based compensation 5.00M -32.00000M -84.00000M -8.00000M -41.00000M
Other non cash items 17844.88M -20231.00000M -13263.00000M -13596.00000M 5348.00M
Free cash flow 73943.98M -25669.00000M 68186.00M -45075.00000M 201674.00M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
BPHLY
Bank of the Philippine Islands ADR
-2.04 5.96% 32.16 8.02 7.62 0.05 1.12 4.13
HDB
HDFC Bank Limited ADR
-0.145 0.58% 24.95 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd
0.04 0.13% 29.83 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd
0.46 0.90% 51.81 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H
- -% 5.70 6.10 5.67 0.44 0.77 3.43

Reports Covered

Stock Research & News

Profile

Bank of the Philippine Islands, together with its subsidiaries, provides various financial products and services to retail and corporate clients in the Philippines. The company operates through Consumer Banking, Corporate Banking, and Investment Banking segments. The Consumer Banking segment offers deposits; 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 deposits, loan facilities, trade, cash management, and internet-based banking platforms for corporate and institutional customers. The Investment Banking segment offers corporate finance, securities distribution, asset management, trust, and fiduciary services, as well as proprietary trading and investment services. The company also provides financing, securities dealer, mutual fund distribution, land holding, business systems, asset management, foreign exchange, real estate, securities dealer, remittance, pre-need, and non-life insurance services, as well as deposit and withdrawal services. The company serves its customers through alternative electronic banking channels, such as telephone, mobile phone, and internet, as well as through branches, automated teller machines, and cash accept machines. Bank of the Philippine Islands was founded in 1851 and is based in Makati City, the Philippines.

Bank of the Philippine Islands ADR

Ayala Triangle Gardens Tower 2, Makati City, Philippines, 1226

Key Executives

Name Title Year Born
Mr. Jose Teodoro Katigbak Limcaoco Pres, CEO & Director 1962
Mr. Ramon Locsin Jocson Exec. VP, COO & Head of Enterprise Services Segment 1960
Maria Ramona O. Ang Investor Relations Officer NA
Madam Lourdes Pauscal Gatmaytan Sr. VP, Co-Head of Legal, Head of Corp. Legal Affairs & Corp. Sec. 1969
Attorney Noravir Alvarez Gealogo Sr. VP & Chief Compliance Officer 1965
Ms. Mary Catherine Elizabeth R. Santamaria Sr. VP and Chief Customer & Marketing Officer 1968
Ms. Marie Josephine M. Ocampo Exec. VP & Head of Mass Retail Products 1963
Ms. Maria Theresa Dela Pena Marcial-Javier Exec. VP, Chief Sustainability Officer and Head of Strategy & Fin. 1971
Mr. Rinaldo Hechanova Fernandez Sr. VP of Global Markets 1966
Ms. Marita Socorro Domingo Gayares Sr. VP & Chief Risk Officer 1961

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