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Bank of the Philippine Islands (BPHLF)
OTHER OTC:BPHLF
US Market

Bank of the Philippine Islands (BPHLF) Ratios

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Bank of the Philippine Islands Ratios

BPHLF's free cash flow for Q3 2025 was $0.74. For the 2025 fiscal year, BPHLF's free cash flow was decreased by $ and operating cash flow was $0.34. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.09 0.19 0.18 0.23 0.23
Quick Ratio
0.09 0.19 0.87 0.79 0.74
Cash Ratio
0.09 9.20 9.13 11.00 10.01
Solvency Ratio
0.02 0.02 0.02 0.01 0.01
Operating Cash Flow Ratio
-0.02 0.03 0.03 0.02 0.03
Short-Term Operating Cash Flow Coverage
0.00 0.64 0.80 0.64 0.72
Net Current Asset Value
$ -2.76T$ -40.02B$ -35.56B$ -34.38B$ -33.73B
Leverage Ratios
Debt-to-Assets Ratio
0.06 0.05 0.05 0.05 0.07
Debt-to-Equity Ratio
0.45 0.44 0.37 0.38 0.58
Debt-to-Capital Ratio
0.31 0.31 0.27 0.27 0.37
Long-Term Debt-to-Capital Ratio
0.31 0.16 0.13 0.14 0.25
Financial Leverage Ratio
7.32 8.09 8.20 8.27 7.98
Debt Service Coverage Ratio
1.06 0.02 0.67 0.56 0.50
Interest Coverage Ratio
1.26 >-0.01 13.66 7.42 6.02
Debt to Market Cap
0.40 0.30 16.41 13.40 21.72
Interest Debt Per Share
52.64 9.29 24.59 23.47 36.31
Net Debt to EBITDA
-0.28 -207.76 -266.77 -386.48 -393.53
Profitability Margins
Gross Profit Margin
73.87%100.00%100.00%100.00%100.00%
EBIT Margin
32.93%35.78%38.30%29.24%20.02%
EBITDA Margin
35.11%39.40%41.55%38.95%28.32%
Operating Profit Margin
32.93%-11.06%37.49%33.50%23.64%
Pretax Profit Margin
32.93%35.78%38.30%29.24%20.02%
Net Profit Margin
25.54%28.43%29.53%20.82%16.63%
Continuous Operations Profit Margin
25.62%28.55%1657.33%21.02%16.98%
Net Income Per EBT
77.56%79.47%77.10%71.20%83.08%
EBT Per EBIT
100.00%-323.57%102.16%87.29%84.68%
Return on Assets (ROA)
1.86%1.79%1.52%0.99%0.96%
Return on Equity (ROE)
14.29%14.51%12.47%8.15%7.65%
Return on Capital Employed (ROCE)
10.46%-1.61%5.22%4.56%3.87%
Return on Invested Capital (ROIC)
8.14%-1.21%3.80%3.07%3.06%
Return on Tangible Assets
1.86%1.79%1.60%1.03%1.01%
Earnings Yield
12.26%10.42%587.87%303.51%299.63%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 <0.01
Inventory Turnover
0.00 0.00 0.00 0.00 >-0.01
Fixed Asset Turnover
10.88 9.20 6.93 6.54 6.84
Asset Turnover
0.07 0.06 0.05 0.05 0.06
Working Capital Turnover Ratio
-0.10 -0.14 -0.10 -0.10 -0.13
Cash Conversion Cycle
0.00 0.00 0.00 0.00 -80.22T
Days of Sales Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 -57.83T
Days of Payables Outstanding
0.00 0.00 0.00 0.00 22.39T
Operating Cycle
0.00 0.00 0.00 0.00 -57.83T
Cash Flow Ratios
Operating Cash Flow Per Share
-12.14 0.20 10.02 7.49 9.36
Free Cash Flow Per Share
-13.06 0.18 9.68 6.51 9.19
CapEx Per Share
0.92 0.02 0.34 0.98 0.17
Free Cash Flow to Operating Cash Flow
1.08 0.90 0.97 0.87 0.98
Dividend Paid and CapEx Coverage Ratio
-2.43 2.52 4.39 2.85 4.82
Capital Expenditure Coverage Ratio
-13.24 10.92 29.73 7.66 55.80
Operating Cash Flow Coverage Ratio
-0.30 0.33 0.42 0.33 0.27
Operating Cash Flow to Sales Ratio
-0.25 0.29 0.37 0.32 0.33
Free Cash Flow Yield
-13.11%9.47%706.72%406.80%589.01%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
8.16 9.60 0.17 0.33 0.33
Price-to-Sales (P/S) Ratio
2.08 2.73 0.05 0.07 0.06
Price-to-Book (P/B) Ratio
1.11 1.39 0.02 0.03 0.03
Price-to-Free Cash Flow (P/FCF) Ratio
-7.63 10.56 0.14 0.25 0.17
Price-to-Operating Cash Flow Ratio
-8.20 9.54 0.14 0.21 0.17
Price-to-Earnings Growth (PEG) Ratio
38.95 0.22 <0.01 0.08 -0.02
Price-to-Fair Value
1.11 1.39 0.02 0.03 0.03
Enterprise Value Multiple
5.65 -200.83 -266.65 -386.30 -393.34
Enterprise Value
501.33B -259.79B -266.28B -337.00B -298.58B
EV to EBITDA
5.65 -200.83 -266.65 -386.30 -393.34
EV to Sales
1.98 -79.14 -110.78 -150.46 -111.39
EV to Free Cash Flow
-7.26 -306.18 -312.09 -539.11 -340.70
EV to Operating Cash Flow
-7.81 -276.55 -301.59 -468.73 -334.59
Tangible Book Value Per Share
88.49 1.36 38.75 39.31 35.03
Shareholders’ Equity Per Share
89.85 1.36 64.61 59.59 61.10
Tax and Other Ratios
Effective Tax Rate
0.22 0.20 0.22 0.28 0.15
Revenue Per Share
47.82 0.69 27.28 23.32 28.10
Net Income Per Share
12.22 0.20 8.05 4.86 4.67
Tax Burden
0.78 0.79 0.77 0.71 0.83
Interest Burden
1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 0.52 0.63 0.53 0.39
Stock-Based Compensation to Revenue
>-0.01 >-0.01 >-0.01 -0.02 <0.01
Income Quality
-0.77 1.01 1.24 1.54 1.98
Currency in USD