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Bank of the Philippine Islands, (BPHLY) Fair Value & Analysis

Financial Services · US · Market cap $9.3B

Price$32.43
Fair Value$54.51
Upside+68.1%
Quality95/100
Evidence: High Range $40.88 – $68.13

Fair value as of: Jun 25, 2026

Analysis

Bank of the Philippine Islands, (BPHLY) currently trades at $32.43, while our model-based Fair Value estimate is $54.51 — implying the stock looks roughly 68.1% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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, …

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Frequently asked questions

Is Bank of the Philippine Islands, (BPHLY) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $54.51 versus a price of $32.43 — about +68% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BPHLY?
Our 21-model fair value for Bank of the Philippine Islands, is $54.51 (as of Jun 25, 2026), built from audited fundamentals. The current price is $32.43.
What is the quality score of BPHLY?
Bank of the Philippine Islands, has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.