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STOCKS

Bank of the Philippine Islands (BPHLF)

OTHER OTC:BPHLF

BPHLF

Bank of the Philippine Islands

RESEARCH TOOLSreports

Bank of the Philippine Islands (BPHLF) Ratios

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25 Followers

Bank of the Philippine Islands Ratios

BPHLF's free cash flow for Q4 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 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	1.43	1.73	10.73	0.13	0.18
Quick Ratio	1.43	1.73	10.73	0.13	0.18
Cash Ratio	1.22	1.22	9.53	0.12	9.13
Solvency Ratio	0.95	0.02	1.35	0.02	1.10
Operating Cash Flow Ratio	-28.69	0.60	-0.74	0.03	-1.48
Short-Term Operating Cash Flow Coverage	-28.69	0.60	0.00	0.00	-39.15
Net Current Asset Value	₱ -50.63B	₱ -49.95B	₱ 273.79B	₱ -2.22T	₱ -35.56B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	3.29	0.05	0.05
Debt-to-Equity Ratio	0.50	0.50	25.37	0.44	0.37
Debt-to-Capital Ratio	0.33	0.33	0.96	0.31	0.27
Long-Term Debt-to-Capital Ratio	0.17	0.17	0.96	0.31	0.13
Financial Leverage Ratio	7.66	7.66	7.71	8.09	8.20
Debt Service Coverage Ratio	0.02	0.36	1.08	1.42	2.34
Interest Coverage Ratio	0.03	1.26	1.28	1.58	2.82
Debt to Market Cap	<0.01	0.43	15.86	17.58	0.32
Interest Debt Per Share	10.34	0.98	47.54	41.92	4.50
Net Debt to EBITDA	0.85	0.85	-1.17	-1.59	-4.69
Profitability Margins
Gross Profit Margin	67.64%	67.64%	73.17%	77.04%	86.69%
EBIT Margin	32.19%	32.19%	34.31%	36.32%	37.57%
EBITDA Margin	34.25%	34.25%	36.57%	40.01%	41.55%
Operating Profit Margin	32.19%	32.19%	34.31%	36.32%	37.57%
Pretax Profit Margin	32.19%	32.19%	34.31%	36.32%	37.57%
Net Profit Margin	1128.58%	25.11%	26.69%	28.79%	28.97%
Continuous Operations Profit Margin	1133.81%	25.19%	26.78%	28.92%	29.14%
Net Income Per EBT	3505.58%	77.99%	77.81%	79.26%	77.10%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	81.99%	1.82%	108.61%	1.79%	84.85%
Return on Equity (ROE)	14.66%	13.98%	837.33%	14.47%	695.61%
Return on Capital Employed (ROCE)	2.43%	2.43%	295.51%	11.13%	297.45%
Return on Invested Capital (ROIC)	1.83%	1.83%	17.76%	8.86%	216.75%
Return on Tangible Assets	82.39%	1.83%	161.55%	1.79%	89.28%
Earnings Yield	8.19%	12.57%	523.69%	576.83%	640.57%
Efficiency Ratios
Receivables Turnover	9.79	9.79	6.99	5.51	5.36
Payables Turnover	0.00	0.00	7.62	5.42	4.54
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	10.58	10.58	10.96	9.09	394.19
Asset Turnover	0.07	0.07	4.07	0.06	2.93
Working Capital Turnover Ratio	>-0.01	0.03	0.82	-0.18	-0.17
Cash Conversion Cycle	37.28	37.28	4.33	-1.05	-488.11
Days of Sales Outstanding	37.28	37.28	52.20	66.28	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	-407.67
Days of Payables Outstanding	0.00	0.00	47.87	67.32	80.43
Operating Cycle	37.28	37.28	52.20	66.28	-407.67
Cash Flow Ratios
Operating Cash Flow Per Share	-12.22	0.25	-4.23	15.39	-9.62
Free Cash Flow Per Share	-12.93	0.23	-4.87	14.38	-9.99
CapEx Per Share	0.71	0.02	0.65	1.01	0.37
Free Cash Flow to Operating Cash Flow	1.06	0.92	1.15	0.93	1.04
Dividend Paid and CapEx Coverage Ratio	-4.22	2.67	-0.91	3.49	-3.81
Capital Expenditure Coverage Ratio	-17.14	12.48	-6.51	15.27	-26.20
Operating Cash Flow Coverage Ratio	-15.86	0.33	-0.12	0.46	-20.67
Operating Cash Flow to Sales Ratio	-14.14	0.30	-0.10	0.41	-0.32
Free Cash Flow Yield	-10.70%	13.65%	-216.64%	760.96%	-729.04%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	12.21	7.95	0.19	0.17	0.16
Price-to-Sales (P/S) Ratio	139.90	2.00	0.05	0.05	0.05
Price-to-Book (P/B) Ratio	76.75	1.11	1.60	0.03	1.09
Price-to-Free Cash Flow (P/FCF) Ratio	-9.35	7.33	-0.46	0.13	-0.14
Price-to-Operating Cash Flow Ratio	-9.75	6.74	-0.53	0.12	-0.14
Price-to-Earnings Growth (PEG) Ratio	-0.57	-0.08	0.02	<0.01	<0.01
Price-to-Fair Value	76.75	1.11	1.60	0.03	1.09
Enterprise Value Multiple	409.35	6.68	-1.03	-1.46	-4.58
Enterprise Value	630.49B	10.29B	-87.48B	-105.09B	-260.21B
EV to EBITDA	409.35	6.68	-1.03	-1.46	-4.58
EV to Sales	140.19	2.29	-0.38	-0.59	-1.90
EV to Free Cash Flow	-9.36	8.40	3.41	-1.54	5.77
EV to Operating Cash Flow	-9.91	7.72	3.93	-1.44	5.99
Tangible Book Value Per Share	1.50	1.48	-2.14	75.62	0.76
Shareholders’ Equity Per Share	1.55	1.53	1.41	75.34	1.26
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.22	0.20	0.22
Revenue Per Share	0.86	0.85	44.14	37.87	30.30
Net Income Per Share	9.75	0.21	11.78	10.90	8.78
Tax Burden	35.06	0.78	0.78	0.79	0.77
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	0.05	0.20	<0.01	<0.01	0.01
Stock-Based Compensation to Revenue	>-0.01	0.00	>-0.01	>-0.01	>-0.01
Income Quality	-0.97	1.18	-0.28	1.12	-0.85

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