Bank of the Philippine Islands logo BPHLF - Bank of the Philippine Islands

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Annual Quarterly
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Revenue
Revenue 4,497.5 232,451 179,523 136,722 112,446 101,910 127,174 100,474 88,830 82,486 76,172
Cost of Revenue 1,455.3 62,368 41,222 18,202 15,034 0 34,912 23,854 17,810 15,935 15,386
Gross Profit 3,042.2 170,083 138,301 118,520 97,412 101,910 92,262 76,620 71,020 66,551 60,786
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 886.5 6,283 5,817 3,917 2,150 1,838 2,646 2,498 2,258 2,245 2,286
Other Expenses 707.8 84,057 67,273 63,235 61,725 45,886 51,260 44,306 40,070 37,496 34,987
Operating Expenses 1,594.2 90,340 73,090 67,152 63,875 47,724 53,906 46,804 42,328 39,741 37,273
Operating Income
Operating Income 1,447.9 79,743 65,211 51,368 33,537 54,186 38,356 29,816 28,692 26,810 23,513
Interest Expense 1,147.5 62,368 41,222 18,202 15,034 105.3 34,912 23,854 17,810 15,935 15,386
Interest Income 3,650.3 189,954 145,572 103,268 84,617 96,308 100,487 79,471 65,849 58,312 54,027
Profitability
EBITDA 1,540.2 85,000 71,826 56,813 39,786 0 45,488 34,613 32,947 30,688 27,174
EBIT 1,447.9 79,743 65,211 51,368 33,537 (6,023) 38,356 29,816 28,692 26,810 23,513
Income Before Tax 1,447.9 79,743 65,211 51,368 33,537 25,769 38,356 29,816 28,692 26,810 23,513
Income Tax Expense 314.8 17,503 13,299 11,532 9,427 3,906 9,355 6,613 5,956 4,535 5,138
Net Income 1,129.2 62,049 51,687 39,605 23,880 21,409 28,803 23,078 22,416 22,050 18,234
Per Share Data
EPS (Basic) 0.21 11.78 10.90 8.78 5.29 208.87 – – – – –
EPS (Diluted) 0.21 11.78 10.90 8.78 5.29 208.87 – – – – –
Shares Outstanding 5,283.8 5,266 4,741 4,513 4,513 4,917.5 0 0 0 0 0
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Current Assets
Cash & Cash Equivalents 158,837.8 287,298 271,582 268,497 339,304 302,082 278,191 282,591 306,049 298,753
Short-Term Investments 39,877.4 0 0 0 0 0 0 0 0 0
Net Receivables 27,009.9 33,246 32,597 25,506 24,365 21,875 18,831 19,085 13,902 12,360
Inventory 0 0 0 (20,330.1) 0 0 0 0 0 0
Other Current Assets 0 0 0 (269,898.6) (365,095) 0 0 0 0 0
Total Current Assets 225,725.1 323,470 306,170 5,382.3 0 324,941 297,966 303,019 321,481 312,865
Non-Current Assets
Property, Plant & Equipment 25,005.5 21,209 19,751 346.8 17,525 18,832 23,748 16,252 15,056 13,809
Goodwill 0 9,518 0 2,274.5 0 0 0 0 0 0
Intangible Assets 17,468.4 9,206 854 41.5 38.8 0 0 0 0 0
Long-Term Investments 3,299,711.9 2,255,005 1,891,336 129.5 1,497,395 1,424,501 1,480,763 1,364,966 1,217,761 1,045,771
Other Non-Current Assets 52,463.9 (2,256,006.7) (1,877,970.5) 38,188.1 (1,483,567.0) 445,114 390,050 389,385 339,062 343,372
Total Non-Current Assets 3,414,453.3 57,132.3 52,155.5 41,294.7 47,210.8 1,908,502 1,907,064 1,782,209 1,582,424 1,412,831
Total Assets 3,640,178.4 57,132.3 52,155.5 46,677.0 47,210.8 2,233,443 2,205,030 2,085,228 1,903,905 1,725,696
Current Liabilities
Account Payables 0 8,180 7,603 4,011 5,396 5,984 4,738 8,096 5,534 4,875
Short-Term Debt 130,380.7 0 0 1,109.0 0 0 0 0 0 0
Deferred Revenue 0 0 0 59.9 0 0 0 0 0 0
Other Current Liabilities 0 21,967.1 21,931.1 28,166.7 25,459.1 1,716,177 1,697,982 1,588,184 1,564,336 1,433,270
Total Current Liabilities 130,380.7 30,147.1 29,534.1 29,407.5 30,855.1 1,722,161 1,702,720 1,596,280 1,569,870 1,438,145
Non-Current Liabilities
Long-Term Debt 98,537.8 187,974 157,534 872.3 112,354 172,560 173,994 166,901 83,517 61,973
Deferred Tax Liabilities 700.7 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 2,923,359.9 75,167 68,759 40,207.8 53,862 56,765 55,282 70,509 66,967 57,894
Total Non-Current Liabilities 3,032,502.7 263,141 226,293 41,030.3 166,216 229,325 229,276 237,410 150,484 119,867
Total Liabilities 3,162,883.5 49,683.6 45,666.3 40,946.1 41,457.3 1,951,486 1,931,996 1,833,690 1,720,354 1,558,012
Stockholders' Equity
Common Stock 52,573.5 905.7 890.3 881.5 879.7 45,045 44,999 44,961 39,336 39,308
Retained Earnings 273,169.5 4,077.1 3,710.3 3,782.2 3,538.5 165,509 147,460 127,459 116,415 98,602
Accumulated Other Comprehensive Income 5,905.5 (38.9) (198.5) (243.9) (166.3) 0 0 0 0 0
Total Stockholders' Equity 474,985.5 7,410.4 6,450.1 5,693.6 5,712.7 279,835 269,577 248,521 180,688 165,134
Total Liabilities & Equity 3,640,178.4 57,132.3 52,155.5 46,677.0 47,210.8 2,233,443 2,205,030 2,085,228 1,903,905 1,725,696
Debt Metrics
Total Debt 235,794.9 187,974 157,534 2,100.9 112,354 172,560 173,994 166,901 83,517 61,973
Net Debt 76,957.0 (99,324) (114,048) (266,396.1) (226,950) (129,522) (104,197) (115,690) (222,532) (236,780)
Metric 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016
Operating Activities
Net Income 66,395.9 79,743 65,211 51,368 33,537 25,523 38,435 29,999 28,692 26,810
Depreciation & Amortization 0 5,257 6,615 5,445 6,249 6,023 7,132 4,797 4,255 3,878
Stock-Based Compensation 0 (32) (84) (8) (41) 47 30 (25) 31 45
Change in Working Capital (5,436.1) (86,990) 14,485 (86,627) 161,387 40,908 (6,303) (134,785) (21,436) (23,882)
Other Non-Cash Items 17,394.6 (20,231) (13,263) (13,596) 5,348 16,753 (5,942) (4,536) (4,472) (2,346)
Operating Cash Flow 78,354.4 (22,253) 72,964 (43,418) 206,480 89,254 33,352 (104,550) 7,070 4,505
Investing Activities
Capital Expenditure (6,276.3) (3,416) (4,778) (1,657) (5,595) (1,041) (13,400) (5,048) (4,191) (4,109)
Acquisitions 517.3 22,124 769 694 1,432 (1,926) 933 305 745 28
Purchases of Investments (354,941.7) (201,348) (248,565) (95,218) (278,718) (375,082) 0 0 (8,731) (23,874)
Sales/Maturities of Investments 298,379.3 227,374 171,331 49,008 176,833 328,569 0 0 1,702 0
Other Investing Activities (361,698.4) 524 1,974 6,455 1,611 (145) (5,691) (25,387) 126 18,320
Investing Cash Flow (424,659.6) 45,258 (79,269) (40,718) (104,437) (49,625) (18,158) (30,130) (10,349) (9,635)
Financing Activities
Net Debt Issuance 3,512,597.2 11,127 39,601 2,464 (56,908) 1,110 (16,064) 83,384 21,544 41,032
Stock Repurchased 0 0 0 0 0 0 0 0 0 0
Dividends Paid (23,118.7) (21,034) (16,125) (9,745) (8,124) (8,124) (12,167) (7,598) (7,089) (7,082)
Other Financing Activities (3,232,304.2) (2,066) (2,265) (1,624) (1,900) (1,458) (1,471) 0 0 0
Financing Cash Flow 257,841.1 (11,400) 21,667 (8,697) (66,676) (8,111) (29,396) 125,821 14,662 34,125
Cash Position
Net Change in Cash (5,188,600.3) 11,605 15,362 (92,833) 35,367 31,518 (14,202) (8,859) 11,383 28,995
Cash at Beginning 17,646,015.9 288,482 273,120 365,953 330,586 299,068 313,270 322,129 310,746 281,751
Cash at End 12,457,415.6 300,087 288,482 273,120 365,953 330,586 299,068 313,270 322,129 310,746
Free Cash Flow 72,078.1 (25,669) 68,186 (45,075) 200,885 88,213 19,952 (109,598) 2,879 396
Key Metrics 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Income Statement
Revenue 4,497.5 232,451 179,523 136,722 112,446 101,910 127,174 100,474 88,830 82,486 76,172
Gross Profit 3,042.2 170,083 138,301 118,520 97,412 101,910 92,262 76,620 71,020 66,551 60,786
Operating Income 1,447.9 79,743 65,211 51,368 33,537 54,186 38,356 29,816 28,692 26,810 23,513
Net Income 1,129.2 62,049 51,687 39,605 23,880 21,409 28,803 23,078 22,416 22,050 18,234
EPS (Diluted) 0.21 11.78 10.90 8.78 5.29 208.87 – – – – –
Balance Sheet
Cash & Equivalents 158,837.8 287,298 271,582 268,497 339,304 302,082 278,191 282,591 306,049 298,753
Total Assets 3,640,178.4 57,132.3 52,155.5 46,677.0 47,210.8 2,233,443 2,205,030 2,085,228 1,903,905 1,725,696
Total Debt 235,794.9 187,974 157,534 2,100.9 112,354 172,560 173,994 166,901 83,517 61,973
Stockholders' Equity 474,985.5 7,410.4 6,450.1 5,693.6 5,712.7 279,835 269,577 248,521 180,688 165,134
Cash Flow
Operating Cash Flow 78,354.4 (22,253) 72,964 (43,418) 206,480 89,254 33,352 (104,550) 7,070 4,505
Capital Expenditure (6,276.3) (3,416) (4,778) (1,657) (5,595) (1,041) (13,400) (5,048) (4,191) (4,109)
Free Cash Flow 72,078.1 (25,669) 68,186 (45,075) 200,885 88,213 19,952 (109,598) 2,879 396