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Data-driven stock valuation

Bank of the Philippine Islands (BPHLY) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of Bank of the Philippine Islands stock $37.11, price $30.83, upside +20.4%, quality 52 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US · ADR · Based in Philippines · ISIN US0644281059

BO Bank of the Philippine Islands logo Broad data Nov 7, 2026

Bank of the Philippine Islands

BPHLY · US
Undervalued, but in a downtrend

The stock costs 17% less than our calculation considers fair.

Fair value $37.11 · Undervalued
Healthy Growth (revenue YoY +59.5 %/yr in PHP)
Highly profitable · 36.4% net margin (TTM)
15.8% dividend yield · Low payout
Ranks above peers (12/14)
Wide moat 67/100
Broad data
Costs just 7.2 times its yearly profit.
Quality 52/100
Downbeat coverage

Risks from the AI analysis

🚩Fintech rivals erode retail deposits and lending
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$48.12 $15.37 Fair Value $37.11 Nov 2015 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $15.37 – $48.12 · fair‑value band $28.47 – $56.71 · the $30.83 price screens below the $37.11 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company 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.

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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.

Stock analysis

Bank of the Philippine Islands (BPHLY) currently trades at $30.83, while our model-based Fair Value estimate is $37.11, implying the stock looks roughly 17% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $45.22 per share, and 3 of the 6 models we run sit above the $30.83 price.

Bear case: the Asset-Based group reads lowest at $17.97, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $28.47 (bear) to $56.71 (bull), the price of $30.83 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank of the Philippine Islands ADR reported revenue of 271B PHP in FY2025 versus 112B PHP in FY2021, a compound +24.6%/yr. Reported net income was 68.1B PHP in FY2025, compounding +30.0%/yr from FY2021.

Key figures

Market cap $8.3B Mid · P/E ratio 7.2 · P/S ratio 1.81 · EPS (TTM) $4.27 · Net margin 25.1% · Return on equity 14.2% · Return on assets (EBIT) 2.1% (5-year average) · Operating margin 44.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (medium confidence).

What moves the price

The share trades about 25% below its 52-week high and 12% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −30% fair-value upside, at 20%, BPHLY screens cheaper than that median.

Fair Value models

Bear $28.47 Fair Value $37.11 Bull $56.71
Price $30.83 · Upside +20.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $28.38 $36.99 $56.63 74
DDM Multi-Stage $13.60 $24.32 $30.92 66
Gordon GGM $13.60 $29.66 $49.81 65
All 6 models by family
Dividend Discount
Gordon GGM $13.60 $29.66 $49.81 65
DDM Multi-Stage $13.60 $24.32 $30.92 66
Multiples
P/E Multiple $39.66 $52.88 $66.10 63
P/B Multiple $28.17 $37.56 $46.95 55
Asset-Based
NCAV (Graham) $13.41 $17.97 $26.83 54
Economic Profit
Residual Income $28.38 $36.99 $56.63 74

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Quality Score breakdown

Overall quality 52/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 39
How much profit the company makes from its sales and capital
Quality Growth 42
Are margins and returns getting better?
Cashflow 85
Do the profits arrive as real cash?
Financial strength 15
Debt, balance sheet and risk of trouble
Investment 55
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 34
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 20
Distance to the 52-week high, does not count
New shares 63
Buys back shares or issues new ones?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
What shareholders gained per year (last 5 years), in PHP ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in PHP: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+23.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+23.2%
Dividend (yield on the price)0.0%
Per share before 2023divided by the spin-off factor 1.067
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.23.2% vs 12.4%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.21% → 32%
Pace: the 5-year rate starts in 2020 (pandemic)

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Earlier news

News mood ⓘNews mood, the average tone of recent news (19 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Very negative
Recent news coverage is unusually downbeat.
Note from the team Oct 11, 2026
AI conclusion: BPI maintains solid margins and ROE through its large regional banking franchise, yet its main weakness remains limited differentiation in a commoditized sector plus governance opacity from state links.
Main risk: Digital banks and e-wallets such as Maya Bank and the GCash ecosystem could capture more retail customers with higher-rate savings and seamless applications, squeezing BPI's deposit margins and loan volumes in consumer banking.
Bull case: BPI could integrate its wealth-management platforms more deeply with fintech partners and expand its own digital offerings to retain customers while using AI internally to cut costs and improve service.
Bear case: If digital competitors continue to gain scale with lower-cost models and higher yields, BPI might lose significant retail deposit and lending share, compressing margins in its core consumer segments over time.
BPI's wealth management arm has grown assets under management beyond two trillion pesos, with offshore investments now comprising fifteen to twenty percent and inflows favoring global fixed-income products. Digital platforms reach most of its retail clients in this segment. Our models see the stock as undervalued. Will the shift toward diversified wealth and international exposure bolster overall stability more than higher rates compress traditional banking margins?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks

Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside +20.4% · Top 25%
Profitability
Return on equity (12 months) 14.2% · Top 25%
Return on assets 1.9% · Top 25%
Net margin (12 months) 36.4% · Above median
Operating margin (12 months) 44.5% · Above median
Growth and dividend
Revenue growth (quarter YoY) 3.8% · Below median
Dividend yield (12 months) 15.8% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 7.2× · Cheapest 25%
P/B 1.11× · Cheaper than median
P/S (12 months) 2.88× · Cheaper than median
Price / free cash flow (fiscal year) 7.1× · Cheaper than median
EV/EBITDA 4.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)61 · sector 9
FUTURE (revenue growth)19 · sector 47
PAST (return on equity)57 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)100 · sector 52

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.63 ¥7.59 +35% vs BPHLY
China Merchants Bank Co 600036 ¥43.01 ¥52.73 +23% vs BPHLY
BNP Paribas SA BNP €95.66 €107.43 +12% vs BPHLY
Intesa Sanpaolo S.p.A ISP €6.39 €4.91 −23% vs BPHLY
UniCredit S.p.A UCG €83.55 €58.08 −30% vs BPHLY
Oversea-Chinese Banking Corporation O39 28.60 SGD 18.20 SGD −36% vs BPHLY
Mizuho Financial Group MFG $9.93 $5.89 −41% vs BPHLY
DBS Group D05 70.37 SGD 40.39 SGD −43% vs BPHLY
HDFC Bank Limited HDFCBANK ₹798.15 ₹406.39 −49% vs BPHLY
ICICI Bank Limited ICICIBANK ₹1,589 ₹615.63 −61% vs BPHLY

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Bank of the Philippine Islands ADR: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bank of the Philippine Islands ADR Fair Value". https://www.fairvalue-calculator.com/stock/BPHLY

Frequently asked questions

Is Bank of the Philippine Islands (BPHLY) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $37.11 versus a price of $30.83, about +20% upside (undervalued).
What is the fair value of BPHLY?
Our model-based fair value for Bank of the Philippine Islands is $37.11 (as of Nov 7, 2026), built from audited fundamentals. The current price: $30.83.
What is the quality score of BPHLY?
Bank of the Philippine Islands has a Quality Score of 52/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank of the Philippine Islands (BPHLY)?
Our model-based price target is the fair value of $37.11 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $28.47, optimistic scenario $56.71. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank of the Philippine Islands ADR stock forecast for 2026?
Our models put fair value at $37.11, about +20% upside versus a price of $30.83 (undervalued). Cautious scenario $28.47, optimistic scenario $56.71. The calculation is refreshed regularly with new filings.
What is the revenue of Bank of the Philippine Islands (BPHLY)?
Bank of the Philippine Islands reported trailing-twelve-month revenue of about 183B PHP (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Bank of the Philippine Islands (BPHLY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank of the Philippine Islands it is $37.11 per share (as of Nov 7, 2026), against a price of $30.83. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank of the Philippine Islands ADR stock overvalued or undervalued in 2026?
As of Nov 7, 2026, BPHLY trades below its calculated fair value: price $30.83, fair value $37.11, a gap of about +20% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BPHLY?
No. The price is what the market pays today ($30.83); the fair value is what the company's own numbers justify ($37.11). For Bank of the Philippine Islands the two are $6.28 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank of the Philippine Islands ADR worth?
The market values Bank of the Philippine Islands at about $8.3B (market capitalisation, as of Nov 7, 2026). Per share that is $30.83; our models calculate a fair value of $37.11 per share.
What do the bullish and bearish scenarios say about BPHLY?
Our models span a range for Bank of the Philippine Islands: cautious scenario $28.47, base $37.11, optimistic $56.71 per share (as of Nov 7, 2026, price $30.83). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BPHLY?
Bank of the Philippine Islands trades at a price-to-earnings ratio of 7.2 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $37.11 is built from several models across several years. Other multiples: P/B 1.1, P/S 2.9, EV/EBITDA 4.0.
How solid is the balance sheet of Bank of the Philippine Islands (BPHLY)?
Balance-sheet figures for Bank of the Philippine Islands (as of Nov 7, 2026): return on equity 14.2%. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is BPHLY from its 52-week high?
Bank of the Philippine Islands trades at $30.83, about 25% below its 52-week high of $40.95 and 12% above the low of $27.43 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of $37.11 is for.
Which stocks are comparable to Bank of the Philippine Islands ADR?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank of the Philippine Islands ADR stock attractive at the current price?
The data as of Nov 7, 2026: price $30.83, calculated fair value $37.11 (+20%), Quality Score 52/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BPHLY calculated?
We run Bank of the Philippine Islands through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $37.11 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Bank of the Philippine Islands currently trades 17% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank of the Philippine Islands (BPHLY)?
The closing price on Nov 10, 2026 was $30.83. Our model-based fair value is $37.11, about +20% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank of the Philippine Islands ADR right now?
Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range ($28.47 to $56.71) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank of the Philippine Islands (BPHLY) come from?
Earnings per share at Bank of the Philippine Islands grew +11.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.6 %, EBIT margin +2.1 %, tax rate −0.2 %, residual (interest, one-offs) −0.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank of the Philippine Islands

How large is the market capitalisation of Bank of the Philippine Islands (BPHLY)?
The market capitalisation of Bank of the Philippine Islands is $8.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank of the Philippine Islands (BPHLY)?
The price-to-sales ratio of Bank of the Philippine Islands is 1.81 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank of the Philippine Islands (BPHLY)?
Earnings per share at Bank of the Philippine Islands are $4.27 (price ÷ EPS = P/E 7.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank of the Philippine Islands (BPHLY)?
The net margin of Bank of the Philippine Islands is 25.1% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank of the Philippine Islands (BPHLY)?
The return on equity (ROE) of Bank of the Philippine Islands is 14.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank of the Philippine Islands (BPHLY)?
On an EBIT basis the return on assets of Bank of the Philippine Islands is 2.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank of the Philippine Islands (BPHLY)?
The operating margin of Bank of the Philippine Islands is 44.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank of the Philippine Islands (BPHLY)?
Revenue at Bank of the Philippine Islands is growing +3.8% versus a year earlier (3y avg +25.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank of the Philippine Islands (BPHLY)?
Earnings per share at Bank of the Philippine Islands are growing −2.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank of the Philippine Islands (BPHLY) generate?
The free cash flow of Bank of the Philippine Islands is 73.9B PHP (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank of the Philippine Islands (BPHLY) carry?
The net debt of Bank of the Philippine Islands is 77.2B PHP (fiscal year 2025, ≈ 1.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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