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

Bank of the Philippine Islands (BPHLF) Ratios

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Bank of the Philippine Islands Ratios

BPHLF's free cash flow for Q1 2026 was ₱0.74. For the 2026 fiscal year, BPHLF's free cash flow was decreased by ₱ and operating cash flow was ₱0.32. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 1.73 0.12 0.13 0.18
Quick Ratio
 0.00 1.73 0.12 0.13 0.18
Cash Ratio
 0.00 1.22 0.11 0.12 9.13
Solvency Ratio
 0.02 <0.01 0.02 0.02 1.10
Operating Cash Flow Ratio
 0.00 0.60 >-0.01 0.03 -1.48
Short-Term Operating Cash Flow Coverage
 0.00 0.60 0.00 0.00 -39.15
Net Current Asset Value
₱ -3.00T₱ -2.94T₱ 273.79B₱ -2.22T₱ -35.56B
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.06 0.06 0.05 0.05
Debt-to-Equity Ratio
 0.57 0.50 25.37 0.44 0.37
Debt-to-Capital Ratio
 0.36 0.33 0.96 0.31 0.27
Long-Term Debt-to-Capital Ratio
 0.36 0.17 0.96 0.31 0.13
Financial Leverage Ratio
 7.73 7.66 447.86 8.09 8.20
Debt Service Coverage Ratio
 1.43 <0.01 1.08 1.42 2.34
Interest Coverage Ratio
 1.68 1.26 1.28 1.58 2.82
Debt to Market Cap
 0.42 0.43 0.27 17.58 0.32
Interest Debt Per Share
 61.13 44.84 47.54 41.92 4.50
Net Debt to EBITDA
 0.87 49.96 -1.17 -1.59 -4.69
Profitability Margins
Gross Profit Margin
1559.30%67.64%73.17%77.04%86.69%
EBIT Margin
701.10%32.19%34.31%36.32%37.57%
EBITDA Margin
750.91%34.25%36.57%40.01%41.55%
Operating Profit Margin
701.10%32.19%34.31%36.32%37.57%
Pretax Profit Margin
703.01%32.19%34.31%36.32%37.57%
Net Profit Margin
545.59%25.11%26.69%28.79%28.97%
Continuous Operations Profit Margin
547.78%25.19%26.78%28.92%29.14%
Net Income Per EBT
77.61%77.99%77.81%79.26%77.10%
EBT Per EBIT
100.27%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.82%0.03%108.61%1.79%84.85%
Return on Equity (ROE)
14.21%0.24%837.33%14.47%695.61%
Return on Capital Employed (ROCE)
2.34%0.04%295.51%11.13%297.45%
Return on Invested Capital (ROIC)
1.83%0.03%17.76%8.86%216.75%
Return on Tangible Assets
1.82%0.03%161.55%1.79%89.28%
Earnings Yield
10.26%0.21%8.99%576.83%640.57%
Efficiency Ratios
Receivables Turnover
 0.00 0.17 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
 0.49 0.18 10.96 9.09 394.19
Asset Turnover
 <0.01 <0.01 0.07 0.06 2.93
Working Capital Turnover Ratio
 0.10 >-0.01 -0.11 -0.18 -0.17
Cash Conversion Cycle
 0.00 2.19K 4.33 -1.05 -488.11
Days of Sales Outstanding
 0.00 2.19K 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
 0.00 2.19K 52.20 66.28 -407.67
Cash Flow Ratios
Operating Cash Flow Per Share
 4.05 14.83 -4.23 15.39 -9.62
Free Cash Flow Per Share
 2.81 13.64 -4.87 14.38 -9.99
CapEx Per Share
 1.25 1.19 0.65 1.01 0.37
Free Cash Flow to Operating Cash Flow
 0.69 0.92 1.15 0.93 1.04
Dividend Paid and CapEx Coverage Ratio
 0.72 2.67 -0.91 3.49 -3.81
Capital Expenditure Coverage Ratio
 3.25 12.48 -6.51 15.27 -26.20
Operating Cash Flow Coverage Ratio
 0.08 0.33 -0.12 0.46 -20.67
Operating Cash Flow to Sales Ratio
 1.75 17.42 -0.10 0.41 -0.32
Free Cash Flow Yield
2.28%13.65%-3.72%760.96%-729.04%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.77 467.76 11.12 0.17 0.16
Price-to-Sales (P/S) Ratio
 53.41 117.44 2.97 0.05 0.05
Price-to-Book (P/B) Ratio
 1.37 1.11 93.15 0.03 1.09
Price-to-Free Cash Flow (P/FCF) Ratio
 44.00 7.33 -26.89 0.13 -0.14
Price-to-Operating Cash Flow Ratio
 30.40 6.74 -31.02 0.12 -0.14
Price-to-Earnings Growth (PEG) Ratio
 2.03 -4.76 1.38 <0.01 <0.01
Price-to-Fair Value
 1.37 1.11 93.15 0.03 1.09
Enterprise Value Multiple
 7.98 392.90 6.95 -1.46 -4.58
Enterprise Value
 731.24B 605.15B 590.97B -105.09B -260.21B
EV to EBITDA
 7.97 392.90 6.95 -1.46 -4.58
EV to Sales
 59.82 134.55 2.54 -0.59 -1.90
EV to Free Cash Flow
 49.28 8.40 -23.02 -1.54 5.77
EV to Operating Cash Flow
 34.13 7.72 -26.56 -1.44 5.99
Tangible Book Value Per Share
 88.43 87.03 78.61 75.62 0.76
Shareholders’ Equity Per Share
 89.77 89.90 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
 2.31 0.85 44.14 37.87 30.30
Net Income Per Share
 12.62 0.21 11.78 10.90 8.78
Tax Burden
 0.78 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
 1.13 0.20 0.03 <0.01 0.01
Stock-Based Compensation to Revenue
 <0.01 0.00 >-0.01 >-0.01 >-0.01
Income Quality
 0.28 1.18 -0.28 1.12 -0.85
Currency in PHP