Bank of the Philippine Islands

OTC

BPHLY

Stock

Yield per half year: +8.57%
Dividend yield: 2.84%
Sector: Financials

Reporting Bank of the Philippine Islands

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₱	6 454.63	393.02	395.44	456.94	155.92	127.84	156.37	188.21	189.14		9.58	163.50	3.94
Выручка, млрд ₱		68.04	72.51	78.52	94.33	101.92	97.41	118.52	134.5	170.08	170.08	124.49	10.78
Чистая прибыль, млрд ₱		22.05	22.42	23.08	28.8	21.41	23.88	39.61	51.69	62.05	62.05	39.73	23.72
EV, млрд ₱				-109.17	-111.68	-121.88	-218.79	9 276.18	-246.94	-253.84	-253.84	1686.95	15.80
EBIT, млрд ₱	23.37	26.59	28.37	29.75	38.16	25.32	33.31	51.14	-6.61		-6.61	28.26	-170.42
EBITDA, млрд ₱	27.03	30.46	32.63	34.55	45.29	31.34	39.56	56.58	0.01		0.01	34.56	-81.43
OIBDA, млрд ₱						1 692.42	2 498.13	68.11	33.47			1073.03	-62.50
Баланс стоимость, млрд ₱		165.13	180.69	248.52	269.58	279.84	293.06	317.72	357.2	430.47	430.47	335.66	9.00
FCF, млрд ₱		0.396	2.88	-109.6	18.48	88.49	201.67	-45.08	3 777.31	-25.67	-25.67	799.34	-178.07
Операционный денежный поток, млрд ₱		4.51	7.07	-104.55	31.88	89.25	206.48	-43.42	-6 987.52	-22.25	-22.25	-1351.4920	-175.74
Операционная прибыль, млрд ₱		26.59	28.37	29.75	38.16	25.32	33.31	51.14	85.14	86.95	86.95	56.37	27.99
Операционные расходы, млрд ₱		35.92	39.43	43.08	49.52	47.72	50.36	57.64	49.36	83.13	83.13	57.64	11.74
CAPEX, млрд ₱		4.11	4.19	5.05	13.4	0.768	4.81	1.66	264.69	3.42	3.42	55.07	34.81

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₱	8.25	159.93	8.5	8.9	8.05	177.58	174.44	186.59	196.8	183.14					183.71	0.62
Выручка, млрд ₱					29.82	31.06	31.71	33.87	35.29	49.74	54.25	40.15	44.58	44.33	46.61	-2.28
Чистая прибыль, млрд ₱					10.1	9.06	12.13	13.02	13.47	13.07	15.26	15.3	17.42	14.06	15.02	1.47
EV, млрд ₱					-175.71	14.68	154.12	10 580.81	10 800.97	10 168.58	465.16	449.41	-267.24	-253.84	2112.41	-147.80
EBIT, млрд ₱			10.2	16.48	13.03	11.43	15.58	16.52	17.01	-2.16	-0.084	-0.0593			6.25	-132.43
EBITDA, млрд ₱			11.4	17.65	14.3	13.24	17.03	17.91	18.75	-0.1363	1.16	1.32			7.80	-40.64
OIBDA, млрд ₱										2.69	5.83	12.38			6.97	66.34
Баланс стоимость, млрд ₱					313.37	317.72	331.65	336.05	349.61	357.2	403.07	406.53	433.34	430.47	406.12	3.80
FCF, млрд ₱					-6.01	-23.32	92.64	-61.43	21.15	741.89	5.07	-23.38	9.38	-1.44	146.30	-128.68
Операционный денежный поток, млрд ₱					-5.41	-23.29	93.5	-61.06	22.32	819.23	5.6	-22.25	10.19	-0.264	162.50	-120.03
Операционная прибыль, млрд ₱					13.03	11.43	15.58	16.52	17.01	15.89	19.93	26.35	23.5	20.55	21.24	5.28
Операционные расходы, млрд ₱					14.24	17.55	15.06	16.33	17.23	7.31	6.41	13.8	21.08	23.77	14.47	26.60
CAPEX, млрд ₱					0.601	0.033	0.855	0.368	1.17	77.34	0.533	1.14	0.812	1.18	16.20	-56.68

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₱			298.24	306.05	282.59	278.19	302.08	339.3	268.5	271.58	287.3	287.3	293.75	-1.00
Short Term Investments ₱										169.46		506.04	169.46	0.00
Long term investments ₱			317.2	313.95	343.25	355.47	416.52	498.47	540.68	627.16			487.66	12.03
Total Receivables ₱			2.83	13.05	18.26	18.32	20.89	23.27	25.51	32.6	33.25	33.25	27.10	9.74
Total Current Assets ₱			298.24	319.1	300.85	296.51	322.97	362.57	292.81	102.13	287.3	287.3	273.56	-2.31
Чистые активы, млрд ₱	14.73	14.78	15.9	17.3	18.85	23.75	18.83	17.53	19.36				19.66	0.54
Активы, млрд ₱			1 725.7	1 903.91	2 085.23	2 205.03	2 233.44	2 421.92	2 603.96	2 888.37	3 318.81	3 318.81	2693.30	8.24
Short Term Debt ₱						49.78	59.73	57.68	61.89	80.9		80.9	62.00	10.20
Задолженность, млрд ₱			1 558.01	1 720.35	1 833.69	1 932	1 951.49	2 126.76	2 284.16	2 529	2 886.12	2 886.12	2355.51	8.14
Чистый долг, млрд ₱			-236.27	-222.53	-115.69	-119.5	-129.52	-226.95	-148.63	-271.58	-287.3	-287.3	-212.7960	17.27
Долг, млрд ₱					166.9	158.69	172.56	112.35	119.87	157.2		157.2	144.13	-0.19
Interest income ₱			60.3	68.05	80.19	101.58	96.31	84.62	103.27	135.77			104.31	5.97
Расходы на обслуживание долга ₱			17.92	20.01	24.35	35.64	24.04	15.03	18.2	41.22	62.37	62.37	32.17	21.01
Чист. проц. доходы, млрд ₱			42.38	48.04	55.84	65.95	72.26	69.58	85.07	100.2		2.43	78.61	8.73
Амортизация, млрд ₱			3.88	4.26	4.8	7.13	6.02	6.25	5.45	6.62	5.26	5.26	5.92	-2.66
Себестоимость, млрд ₱										-3.8		-4.3	-3.8000	0.00
Товарно материальные запасы ₱		4.39	3.67	3.58	3.36	-303.82	-331.99	-366.84	300.35	201.87		201.87	-100.0860	-192.15

	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₱							267.06	268.5	301.89	275.06	262.09	271.58	316.25	296.35	303.47	287.3	294.99	1.13
Short Term Investments ₱												506.04	593.37	542.77			547.39	2.36
Long term investments ₱			415.32	498.47	556.96	549.41	585.54	540.68	599.6	596.49	609.12	627.16					594.61	3.01
Total Receivables ₱			312.69	23.27	230.23	229.73	237.66	24.32	58.11	243.08		32.6				33.25	78.27	6.45
Total Current Assets ₱							267.06	292.81	301.89	275.06	262.09	307.06	368.44	296.35	303.47	287.3	312.52	-1.32
Чистые активы, млрд ₱	18.19	17.46	16.99	17.53	16.88	16.22	15.79	19.36	19.14	18.86							17.87	3.06
Активы, млрд ₱							2 528.22	2 603.96	2 674.2	2 684.67	2 709.94	2 888.55	3 068	3 109.98	3 177.37	3 318.81	3112.54	2.82
Short Term Debt ₱								61.89				80.9					71.40	14.33
Задолженность, млрд ₱							84.15	2 284.16	99.66	106.51	101.6	2 529.18	2 662.68	2 701.3	2 741.75	2 886.12	2704.21	2.68
Чистый долг, млрд ₱							-182.9	-148.63	-202.23	-168.54	-160.49	-114.38	-171.36	-141.68	-303.47	-287.3	-203.6380	20.23
Долг, млрд ₱						80.18	84.15	119.87	1.7	106.51	101.6	157.2	144.9	154.68			132.98	7.75
Interest income ₱			21.13	22.01	22.41	24	26.79	30.06	32.43	35.65	37.63	39.86					35.13	5.81
Расходы на обслуживание долга ₱							4.49	6.64	8.27	9.7	10.97	12.29	14.72	15.16	15.95	16.53	14.93	6.11
Чист. проц. доходы, млрд ₱				18.41	18.99	20.35	22.31	23.42	24.16	25.95	26.67	27.57	0.7962				21.03	-49.47
Амортизация, млрд ₱							1.27	1.81	1.45	1.4	1.75	2.02	1.25	1.38	1.26	1.37	1.46	-7.47
Себестоимость, млрд ₱												-15.24	16.3	-16.66			-5.2000	3.01
Товарно материальные запасы ₱	3.07	3.1	3.15	3.28	3.42	3.57	3.81	-300.35		4.18		201.87					-17.3840	124.12

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.9764	2.17	2.06	2.52	1.91	2.08	8.05	4360.85	4713.18		4713.18	1817.21	376.93
Цена акции ао		36.99	30.2	34.71	33.88	36.14	36.61	37.49	43.75	48.95	48.95	40.59	6.26
Число акций ао, млн	10055.43	10563.32	11658.12	4507.07	4513.1	4513.13	4917.54	11.85	13.17		13.17	2793.76	-68.88
FCF/акцию	0.0394	0.2725	-9.4	4.1	19.61	44.69	-9.17	318693.38	-1949.79		-1949.79	63359.74	-350.90

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS					0.7421	0.672	0.8851	2.63	2.72	2.64	58.04	58.05	1321.73	1068.25			501.74	232.21
Цена акции ао			37.68	36.18	32.75	33.13	38.5	37.73	39.8	37.03					46.84	48.95	42.07	5.34
Число акций ао, млн	245.88	4513.13	225.66	245.88	245.88	5360.27	4531.25	4945.2	4945.2	4945.2							4945.42	-1.60
FCF/акцию					-24.44	-4.35	20.44	-12.42	4.28	150.02	19.27	-88.7	711.44	-109.61			136.48	-193.92

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			13.35	12.41	9.29	10.68	7.65	8.15	0.5189	15.32	15.76		15.76	20.08	9.48	15.55
ROA, %			1.28	1.18	1.11	1.31	0.9586	0.986	0.0628	1.88	2		2	5.08	1.18	15.85
ROIC, %						8.52	6.64	5.94	213.19	14.14				7.36	49.69	10.66
ROS, %				30.91	29.39	30.53	21.01	24.52	33.42	38.43	36.48	36.48	36.48	30.06	33.87	8.27
ROCE, %			15.85	15.46	11.83	13.97	8.98	11.28	1.97	-0.2306		-1.53	-1.53	11.82	4.09	-170.19
Ebit margin, %						40.45	24.84	34.19	43.15	-4.91		-3.88	-3.88		18.68	-168.98
Рентаб EBITDA, %			44.77	44.99	43.99	48.01	30.75	40.61	47.74	0.0074		0.0059	0.0059	24.00	23.82	-81.94
Чистая рентаб, %			32.41	30.91	29.39	30.53	21.01	24.52	33.42	38.43	36.48		36.48	30.06	30.77	11.67
Operation Margin, %				39.13	37.88	40.45	24.84	34.19	43.15	63.3	51.12	51.12	51.12	26.93	48.58	8.38
Доходность FCF, %	0.319	0.8602	0.1008	0.7281	-23.98	11.85	69.21	128.98	-23.95	24.91					42.20	16.02

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %					3.22	2.85	3.66	3.87	0.5196	3.86	4.33	4.13	4.47	3.44		20.08	4.05	-2.28
ROA, %					0.3995	0.3479	0.4537	0.485	0.4992	0.4668	0.5125	0.4954	0.5541	0.433		5.08	0.4924	-1.49
ROIC, %								4.75	3.03	85.95		4.59				7.36	24.58	-0.85
ROS, %						29.16	38.26	38.44	38.16	26.27	28.14	38.11	39.08	31.73	36.48	30.06	34.71	5.33
ROCE, %				0.691	0.5333	3.57	0.6051	0.6407	1.11	-0.1815	-0.0066	-0.0034			-1.53	11.82	-0.1223	-206.63
Ebit margin, %									48.2	-4.34	-0.1549	-0.1478			-3.88		7.94	-160.42
Рентаб EBITDA, %				54.67	47.97	42.61	53.69	52.88	53.15	-0.274	2.15	3.3			0.0059	24.00	11.67	-83.82
Чистая рентаб, %					33.87	29.16	38.26	38.44	38.16	26.27	28.14	38.11	39.08	31.73		30.06	32.67	3.85
Operation Margin, %						36.78	49.12	48.76	48.2	31.95	36.74	65.63	52.7	46.37	51.12	26.93	50.51	6.83
Доходность FCF, %	1134.85	65.33	-532.87	332.23	-74.64	-13.13	53.11	-32.92	10.75	7.31							5.02	-188.95

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	17.82	17.64	19.8	5.41	5.97	6.55	237.97	0.4768	0.5392		0.5392	13.27	50.30	-38.18
P/BV	2.38	2.19	1.84	0.5784	0.4569	0.5336	29.47	0.0686	0.0773		0.0773	1.70	6.12	-29.91
P/S	5.78	5.45	5.82	1.65	1.25	1.61	79.52	0.1832	0.1967		0.1967	2.98	16.55	-30.92
P/FCF		137.35	-4.17	8.44	1.44	0.7753	-4.18	4.01	0.0037	-0.3732	-0.3732	2.82	0.0472	-186.40
E/P		0.0567	0.0505	0.1847	0.1675	0.1527	0.2104	0.2733	5.4	6.48	6.48	87.84	2.50	111.62
EV/EBIT				1.05	1.05	-1.85	181.4	37.39	-1478.47	38.43	38.43		-244.6200	-283.44
EV/EBITDA			-3.16	-2.47	-3.89	-5.53	163.94	-24693.61			976527.47	-132.47	-4908.3120	530.92
EV/S				0.4265	0.2611	-0.6326	78.27	-1.84	-1.49	-1.49	-1.49	1.52	14.56	18.69
EV/FCF				2.18	0.3008	-0.3055	-205.79	-0.0654	9.89	9.89	9.89	1.51	-37.2762	-300.46
Debt/EBITDA			4.83	3.5	5.51	2.84	2.12	15720.4	15720.4	15720.4	15720.4	-176.54	9433.23	460.57
Netdebt/Ebitda		-6.82	-3.35	-2.64	-4.13	-5.74	-2.63	-27158.2	-11437.8	-28729.8	-28729.8	208.99	-13466.8340	449.39
Debt/Ratio				0.072	0.0773	0.0464	0.046	0.0544	0.0544	0.0474	0.0474	0.12	0.0497	0.43
Debt/Equity				0.5887	0.6166	0.3834	0.3773	0.4401	0	6.67	6.67	11.32	1.70	61.00
Debt/Net Income				5.51	8.06	4.7	3.03	3.04	3.04	2.53	2.53	17.91	3.27	-11.65
PEG										0	0
Бета								-0.9379	-0.2456	-0.5479	-0.5479	0.48	-0.5771	-16.40
Индекс Альтмана		0.3137	0.273	0.0945	0.0868	0.1391	0.1471	0.115	2.71	1.58	1.58	54.78	0.9382	62.58

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E					0.7973	19.6	14.38	0.898	227.96	194.77	36.65	18.46	1.91	1.01			13.27	50.56	-65.09
P/BV					0.0257	0.5589	0.526	4.17	4.2	28.61	1.57	1.45	0.0832	0.0773			1.70	6.36	-69.36
P/S					0.27	5.72	5.5	0.3042	82.77	66.99	10.51	5.97	0.7328	0.3575			2.98	16.91	-64.89
P/FCF		1.53	-0.1877	0.301	-1.34	-7.62	1.88	-3.04	9.3	13.68						-0.3732	2.82	4.29	-172.37
E/P		0.04	0.939	1.4	1.25	0.051	0.0696	0.0698	0.0684	0.0713						6.48	87.84	1.35	147.62
EV/EBIT									635.12	-4707.07	-5534.51	-7573.41				38.43		-3428.2880	-42.94
EV/EBITDA				-3.52	-3.27	0.2595	4.91	590.66	161.38	189.86	12.34	21.29					-132.47	195.11	-48.55
EV/S								312.36	306.1	204.44	8.57	11.19	-5.99	-5.73		-1.49	1.52	1.31	-170.48
EV/FCF								-172.25	510.66	13.71	91.8	-19.22	-28.5	175.91		9.89	1.51	45.98	-35.96
Debt/EBITDA				4.54	5.88	9.06	5.85	5.95	5.42	-1153.56	124.49	116.77				15720.4	-176.54	2962.70	392.60
Netdebt/Ebitda				-10.01	-12.79	-11.23	-11.88	-9.41	-8.56	839.31	-147.22	-106.95				-28729.8	208.99	-5630.6440	407.19
Debt/Ratio								0.0397	0.0375	0.0544	0.0472	0.0497				0.0474	0.12	0.0472	4.80
Debt/Equity								0.317	0.2906	0.4401	0.3595	0.3805				6.67	11.32	1.63	87.14
Debt/Net Income								8.18	7.55	12.03	9.49	10.11				2.53	17.91	8.34	-19.64
PEG																0
Бета															-1.16	-0.5479	0.48	-0.8539	-31.27
Индекс Альтмана	-0.0101	0.0613	-0.0316	-0.007	-0.0119	0.0373	0.0607	0.0577							2.71	1.58	54.78	0.8891	111.54

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	7.08	7.08	7.09	7.6	12.17	8.12	8.12	893.29	21.03			268.18		188.55	11.56
Дивиденд			0.7099	0.337	1.04	0.7344	0.733	0.774	1.21	1.35	0.7475	2.1		0.9629	0.39
Див доход, ао, %			1.9	0.8597	3.02	2.59	2.12	2.3	3.19	2.85	2.77	2.84	6.64	2.65	5.49
Дивиденды / прибыль, %		32.12	31.62	32.92	42.24	37.95	34.02	24.61	1728.27	33.9		33.9	49.72	371.75	-2.23
Dividend Coverage Ratio											0.2314	0.2314		0.2314	0.00

	2019Q2	2019Q4	2020Q2	2020Q4	2021Q2	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q2	2024Q3	2024Q4	2025Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд							4.78	4.96	4.96	8	8	0.191	429.06	10.44	0.157	10.44			90.06	122.60
Дивиденд	0.3474	0.3538	0.3605	0.3739	0.375	0.358	0.405		0.369		0.6022		0.6039						0.4676	11.02
Див доход, ао, %	1.12	0.9634	1.4	1.16	1.08	1.01	1.12		1.11		1.6		1.63					6.64	1.29	10.05
Дивиденды / прибыль, %							38.38	49.12	54.77	65.91	61.43	1.42	3283.53	68.22	0.9012	74.22		49.72	685.66	120.62
Dividend Coverage Ratio																	0.2314		0.2314	0.00

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Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	0.7535	4.93	1.4	196.8	2.01	2.01	21.68
Персонал, чел				17 573	18 982		3.93

	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	CAGR 5
CAPEX/Выручка, %	155.49	0.9825	2.83	1.82	2.66	-55.68

	CAGR 5