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

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Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1
Revenue
Revenue 68,827.1 (187,333.3) 66,883.3 63,846.9 61,100.5 60,861.8 60,529.5 56,810.5 54,249.2 49,718.2 35,285.5 43,570.3 39,983.7 37,706.4 34,302.4 35,933.7 28,779.5 29,381.5 27,333.2 27,517.8 28,206.5
Cost of Revenue 17,907.6 (48,047.1) 17,108.8 15,995.9 16,397.7 16,534.4 15,949.1 15,160.1 14,724.4 12,290.5 0 9,696.7 8,269.5 6,644.1 4,486.0 3,652.2 3,419.7 3,598.9 3,827.8 3,706.4 3,900.9
Gross Profit 50,919.5 42,064.7 49,774.5 47,851.0 44,702.8 44,327.4 44,580.5 41,650.4 39,524.7 37,427.7 35,285.5 33,873.6 31,714.2 31,062.3 29,816.5 32,281.4 25,359.9 25,782.6 23,505.4 23,811.4 24,305.6
Operating Expenses
R&D Expenses 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
SG&A Expenses 13,536.8 231.5 0 0 0 18,905.6 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Expenses 9,712.5 (75,886.0) 27,250.5 26,700.0 23,298.3 7,277.3 22,884.8 21,760.7 19,511.5 21,466.1 17,232.2 17,327.4 16,064.3 19,561.5 16,741.8 15,763.2 15,085.5 17,127.1 16,142.7 15,178.4 15,419.8
Operating Expenses 23,249.3 (75,654.6) 27,250.5 26,700.0 23,298.3 26,182.9 22,884.8 21,760.7 19,511.5 21,466.1 17,232.2 17,327.4 16,064.3 19,561.5 16,741.8 15,763.2 15,085.5 17,127.1 16,142.7 15,178.4 15,419.8
Operating Income
Operating Income 21,685.2 20,342.5 22,524.0 21,151.0 21,404.5 18,144.5 21,695.6 19,889.6 20,013.2 15,961.6 18,053.3 16,546.2 15,649.9 11,500.7 13,074.7 16,518.2 10,274.4 8,655.5 7,362.6 8,633.1 8,885.8
Interest Expense 17,716.6 300.6 17,108.8 15,995.9 16,397.7 16,534.4 15,949.1 15,160.1 14,724.4 12,290.5 22.4 9,696.7 8,269.5 6,644.1 4,486.0 3,652.2 3,419.7 3,598.9 3,827.8 3,706.4 3,900.9
Interest Income 56,444.8 961.1 55,017.1 52,733.7 50,813.9 50,275.3 48,540.8 46,565.5 44,572.4 39,864.2 37,633.6 35,645.4 32,428.8 30,064.1 26,792.2 24,001.1 22,410.6 22,013.8 21,129.5 20,715.5 20,758.3
Profitability
EBITDA 23,101.9 22,130.5 23,987.0 22,572.0 22,650.5 19,512.5 22,952.6 21,273.6 21,261.2 17,985.6 0 17,942.2 17,460.9 13,311.7 14,342.7 17,690.2 11,468.4 10,382.5 8,839.6 10,139.1 10,424.8
EBIT 21,685.2 20,342.5 22,524.0 21,151.0 21,404.5 18,144.5 21,695.6 19,889.6 20,013.2 15,961.6 (1,747) 16,546.2 15,649.9 11,500.7 13,074.7 16,518.2 10,274.4 8,655.5 7,362.6 8,633.1 8,885.8
Income Before Tax 21,919.0 20,342.5 22,524.0 21,151.0 21,404.5 18,144.5 21,695.6 19,889.6 20,013.2 15,961.6 17,053.3 16,546.2 15,649.9 11,500.7 13,074.7 16,518.2 10,274.4 8,655.5 7,362.6 8,633.1 8,885.8
Income Tax Expense 4,850.2 4,215.1 4,965.3 4,710.9 4,683.7 4,112.2 4,196.1 4,528.6 4,666.1 2,815.9 3,540.4 3,497.2 3,445.5 2,366.7 2,935.3 4,012.1 2,217.8 2,188.9 1,642.6 1,732.8 3,862.8
Net Income 16,719.7 16,131.0 17,525.9 16,316.4 16,641.7 14,063.6 17,420.7 15,301.7 15,263.1 13,067.0 13,465.8 13,020.4 12,133.8 9,058.5 10,099.4 12,463.5 7,983.6 6,405.1 5,657.8 6,816.1 5,001.0
Per Share Data
EPS (Basic) 3.17 3.04 3.32 3.09 3.16 2.68 3.30 2.90 2.90 154.68
EPS (Diluted) 3.17 3.04 3.32 3.09 3.16 2.68 3.30 2.90 2.90 154.68
Shares Outstanding 5,283.7 5,206.6 5,283.8 5,283.8 5,272.1 5,247.7 5,272.1 5,272.1 5,259.2 0 4,945.2 0 0 0 0 0 0 0 0 0 0
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1
Current Assets
Cash & Cash Equivalents 192,358.2 158,837.8 237,120.8 212,524.7 184,798.1 287,298 303,466.5 610.6 316,254.1 271,582 262,093.2 275,057.5 301,887.7 268,497 267,056.0 256,758.5 259,383.6 339,304 341,234.7 283,468.1 253,751.1
Short-Term Investments 0 0 0 0 0 0 0 0 0 0 0 0 0 (272,483.9) 0 0 0 0 0 0 0
Net Receivables 0 27,009.9 0 0 0 33,246 0 0 0 32,597 0 0 0 0 0 0 0 24,365 0 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 (20,330.1) 0 0 0 0 0 0 0
Other Current Assets 0 0 0 0 0 0 0 0 0 0 0 0 0 5,382.3 0 0 0 0 0 0 0
Total Current Assets 192,358.2 185,847.7 237,120.8 212,524.7 184,798.1 323,470 303,466.5 296,353.4 316,254.1 306,170 262,093.2 275,057.5 301,887.7 5,382.3 267,056.0 256,758.5 259,383.6 365,095 341,234.7 283,468.1 253,751.1
Non-Current Assets
Property, Plant & Equipment 25,088.4 25,005.5 23,224.5 22,549.2 21,344.8 21,209 20,031.4 20,228.6 21,167.9 19,751 18,539.4 18,855.9 19,142.7 346.8 15,790.1 16,220.0 16,882.0 17,525 16,994.9 17,464.4 18,194.2
Goodwill 0 0 9,517.6 9,517.6 9,517.6 9,518 9,721.4 9,354.9 9,297.4 0 0 0 0 2,274.5 0 0 0 0 0 0 0
Intangible Assets 9,416.1 17,468.4 0 0 0 9,206 0 0 0 854 0 0 0 41.5 0 0 0 0 0 0 0
Long-Term Investments 3,356,982.5 3,339,589.3 2,439,137.2 2,374,144.3 2,344,980.5 2,255,005 2,128,055.8 158.0 2,004,367.7 1,891,336 1,778,098.8 1,753,703.6 1,704,592.3 129.5 1,614,158.1 1,601,292.8 1,503,579.0 1,497,395 1,436,806.5 1,405,077.9 1,408,260.0
Other Non-Current Assets 62,932.1 52,463.9 745,369.6 762,797.9 701,648.2 682,204 697,530.1 2,765,365.5 697,001.1 652,076 634,053.8 620,178.0 632,005.4 38,188.1 615,010.0 573,609.1 582,425.0 524,092 449,423.7 457,169.0 469,118.5
Total Non-Current Assets 3,472,962.5 3,454,330.7 3,235,701.1 3,186,890.2 3,095,040.6 2,995,343 2,873,907.3 2,813,630.5 2,751,750.7 2,582,202 2,447,845.6 2,409,612.8 2,372,313.7 41,294.7 2,261,167.0 2,207,588.5 2,118,859.1 2,056,820 1,919,152.0 1,895,172.1 1,910,698.4
Total Assets 3,665,320.7 3,640,178.4 3,472,821.8 3,399,414.9 3,279,838.7 3,318,813 3,177,373.8 3,109,983.9 3,068,004.8 2,888,372 2,709,938.8 2,684,670.3 2,674,201.4 46,677.0 2,528,223.0 2,464,346.9 2,378,242.7 2,421,915 2,260,386.7 2,178,640.2 2,164,449.5
Current Liabilities
Account Payables 0 0 0 0 0 8,180 0 0 0 7,603 0 0 0 4,011 0 0 0 5,396 0 0 0
Short-Term Debt 0 130,380.7 0 0 0 0 0 0 0 0 0 0 0 1,109.0 0 0 0 0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 59.9 0 0 0 0 0 0 0
Other Current Liabilities 0 0 2,677,385.6 2,611,637.6 2,576,348.3 2,614,802 2,485,609.6 2,451,611.8 2,423,203.5 2,295,106 2,171,171.0 2,144,064.4 2,148,686.7 (1,240.8) 2,033,933.9 1,992,937.2 1,891,096.2 1,955,147 1,796,966.3 1,684,404.1 1,672,115.6
Total Current Liabilities 0 130,380.7 2,677,385.6 2,611,637.6 2,576,348.3 2,622,982 2,485,609.6 2,451,779.7 2,423,203.5 2,302,709 2,171,171.0 2,144,064.4 2,148,686.7 29,407.5 2,033,933.9 1,992,937.2 1,891,096.2 1,960,543 1,796,966.3 1,684,404.1 1,672,115.6
Non-Current Liabilities
Long-Term Debt 271,895.5 98,537.8 212,096.6 226,701.4 146,472.0 187,974 158,257.6 150,901.0 142,051.6 157,534 101,603.0 106,513.3 99,657.6 872.3 84,154.7 80,178.0 108,296.4 112,354 93,739.8 131,376.9 131,240.8
Deferred Tax Liabilities 0 700.7 0 0 0 0 0 0 0 0 0 0 0 14.0 0 0 0 0 0 0 0
Other Non-Current Liabilities 2,916,760.9 2,923,359.9 106,274.4 105,348.2 106,086.0 75,167 97,885.9 98,622.3 97,424.1 68,759 85,493.6 96,026.3 92,017.9 (946.1) 94,745.9 84,985.9 76,720.6 53,862 75,806.4 74,807.8 78,220.8
Total Non-Current Liabilities 3,188,656.4 3,032,502.7 318,371.0 332,049.6 252,558.0 263,141 256,143.5 249,523.2 239,475.7 226,293 187,096.6 202,539.6 191,675.5 11,538.6 178,900.6 165,163.8 185,017 166,216 169,546.1 206,184.7 209,461.6
Total Liabilities 3,188,656.4 3,162,883.5 2,995,756.6 2,943,687.1 2,828,906.3 2,886,123 2,741,753.1 2,701,303.0 2,662,679.1 2,529,002 2,358,267.6 2,346,604.0 2,340,362.3 40,946.1 2,212,834.5 2,158,101.1 2,076,113.2 2,126,759 1,966,512.5 1,890,588.8 1,881,577.2
Stockholders' Equity
Common Stock 52,197.1 52,573.5 52,735.0 52,734.8 52,635.8 52,610 52,582.2 52,555.3 52,449.4 49,307 49,302.6 49,302.6 49,268.1 881.5 49,193.1 49,193.1 49,193.1 45,131 45,131.3 45,131.3 45,053.6
Retained Earnings 287,892.1 273,169.5 269,873.6 253,691.3 251,735.7 236,781.9 238,178.6 223,589.4 220,534.9 0 0 0 0 3,782.2 0 0 0 0 178,837.7 173,180.6 170,417.2
Accumulated Other Comprehensive Income (8,079.5) 5,905.5 6,649.9 2,956.0 993.7 (2,257.5) (736.7) (12,426.9) (12,543.5) 0 0 0 0 (243.9) 0 0 0 0 0 0 0
Total Stockholders' Equity 474,342.0 474,985.5 474,752.4 453,456.1 448,631.6 430,469 433,341.2 406,531.3 403,074.3 357,204 349,613.3 336,053.3 331,649.7 5,693.6 313,373.3 304,075.0 299,976.3 293,060 291,806.7 285,847.9 280,767.6
Total Liabilities & Equity 3,665,320.7 3,640,178.4 3,472,821.8 3,399,414.9 3,279,838.7 3,318,813 3,177,373.8 3,109,983.9 3,068,004.8 2,888,372 2,709,938.8 2,684,670.3 2,674,201.4 46,677.0 2,528,223.0 2,464,346.9 2,378,242.7 2,421,915 2,260,386.7 2,178,640.2 2,164,449.5
Debt Metrics
Total Debt 271,895.5 235,794.9 212,096.6 226,701.4 146,472.0 187,974 158,257.6 150,901.0 142,051.6 157,534 101,603.0 106,513.3 99,657.6 2,100.9 84,154.7 80,178.0 108,296.4 112,354 93,739.8 131,376.9 131,240.8
Net Debt 79,537.3 76,957.0 (25,024.2) 14,176.7 (38,326.1) (99,324) (145,208.9) 1,972.0 (174,202.5) (114,048) (160,490.2) (168,544.2) (202,230.1) (266,396.1) (182,901.3) (176,580.5) (151,087.1) (226,950) (247,495.0) (152,091.2) (122,510.4)
Metric 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1
Operating Activities
Net Income 16,743.4 16,077.9 22,523 21,152 21,404 18,145 21,696 19,890 20,013 15,962 17,053 16,546 11,502 11,501 13,075 16,518 10,274 8,656 7,363 8,633 8,886
Depreciation & Amortization 0 0 1,463 1,421 1,246 1,368 1,257 1,384 1,248 2,024 1,747 1,396 1,811 1,811 1,268 1,172 1,194 1,727 1,477 1,506 1,539
Stock-Based Compensation 0 0 4 4 (9) (8) 35 (5) (54) (7) (59) 0 (19) (18) 6 4 1 (75) 12 10 12
Change in Working Capital (6,736.4) 531.2 10,861 (69,421) (72,870) (12,551) (9,840) (36,314) (27,931) 5,095 9,012 (75,211) (25,667) (27,715) (18,037) 13,536 (56,466) 93,754 85,117 2,339 (19,823)
Other Non-Cash Items 44,911.0 (50,576.2) 321 (5,312) 3,308 (7,218) (2,959) (7,200) (2,855) (5,005) (5,431) (3,655) (3,210) (8,864) (3,189) (1,475) (89) 2,665 605 (326) 2,403
Operating Cash Flow 21,437.8 16,971.0 35,172 (52,156) (46,921) (264) 10,189 (22,245) (9,579) 18,069 22,322 (60,924) (15,583) (23,285) (6,877) 29,755 (45,086) 106,727 94,574 12,162 (6,983)
Investing Activities
Capital Expenditure (1,312.8) (2,622.3) (1,086) (1,565) (1,015) (1,179) (812) (1,136) (643) (1,295) (1,171) (1,458) (565) (33) (553) (273) (266) (2,242) (989) (760) (815)
Acquisitions 58.4 88.7 504 154 0 3 (80) 1,631 20,571 (70) 847 41 0 0 (692) 2,220 (834) (90) 599 (434) 1,357
Purchases of Investments (122,787.0) (133,980.9) (63,558) (95,371) (7,452) (66,402) (56,948) (7,860) (70,139) (77,412) (66,005) (1,178) (103,970) 0 (33,058) 0 (71,642) 0 0 0 0
Sales/Maturities of Investments 96,718.1 111,626.6 94,157 64,646 27,908 44,350 69,731 10,162 103,131 36,483 39,561 26,787 12,444 0 15,216 3,498 27,085 0 0 0 0
Other Investing Activities (3,042.6) (17,759.2) 610 27 180 510 39 152 (176) 476 772 601 104,353 18,823 265 534 (107) (116,315) 5,683 24,381 (14,812)
Investing Cash Flow (30,366) (43,287) 30,627 (32,109) 19,621 (22,718) 11,930 2,949 52,744 (41,818) (25,996) 24,793 12,262 18,790 (18,822) 5,979 (45,764) (118,647) 5,293 23,187 (14,270)
Financing Activities
Net Debt Issuance 46,983 636,307.3 (14,605) 80,228 (16,709) 4,925 6,876.9 8,378.2 (10,005) 35,501 (4,910) 6,856 13,348 13,348 3,977 (28,118) 13,257 1,299 (37,637) 136 (20,706)
Stock Repurchased 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dividends Paid 0 (12,006.4) (159) (10,990) 0 (10,438) (157) (10,439) 0 (7,936) (191) (7,998) (4,961) (4,961) 0 (4,784) 0 (4,062) 0 (4,062) 0
Other Financing Activities (574.3) (626,163.1) (688) (583) (517) (657.4) (38.9) (7.2) (411) (839) (379) (578) (442) (440) (410) (406) (368) (672) (374) (394) (460)
Financing Cash Flow 46,478 (1,628) (15,431) 68,988 (17,146) (5,900) 6,748 (1,879) (10,370) 26,973 (5,449) (1,650) 7,994 7,996 3,620 (33,255) 12,942 (3,371) (37,949) (4,255) (21,102)
Cash Position
Net Change in Cash 71,030 (4,638,380.6) 50,368 (15,277) (44,446) (28,881) 28,867 (21,175) 32,795 3,225 (9,123) (37,780) 4,673 3,501 (22,078) 2,479 (77,908) (15,292) 61,918 31,094 (42,355)
Cash at Beginning 211,850 17,095,796.2 240,362 255,639 300,085 328,968 300,101 321,276 288,481 285,257 294,380 332,160 268,446 269,619 290,524 288,045 365,953 381,245 319,327 288,233 330,588
Cash at End 282,880 12,457,415.6 290,730 240,362 255,639 300,087 328,968 300,101 321,276 288,482 285,257 294,380 273,119 273,120 268,446 290,524 288,045 365,953 381,245 319,327 288,233
Free Cash Flow 20,125.0 14,348.6 34,086 (53,721) (47,936) (1,443) 9,377 (23,381) (10,222) 16,774 21,151 (62,382) (16,148) (23,318) (7,430) 29,482 (45,352) 104,485 93,585 11,402 (7,798)
Key Metrics 2026 Q1 2025 Q4 2025 Q3 2025 Q2 2025 Q1 2024 Q4 2024 Q3 2024 Q2 2024 Q1 2023 Q4 2023 Q3 2023 Q2 2023 Q1 2022 Q4 2022 Q3 2022 Q2 2022 Q1 2021 Q4 2021 Q3 2021 Q2 2021 Q1
Income Statement
Revenue 68,827.1 (187,333.3) 66,883.3 63,846.9 61,100.5 60,861.8 60,529.5 56,810.5 54,249.2 49,718.2 35,285.5 43,570.3 39,983.7 37,706.4 34,302.4 35,933.7 28,779.5 29,381.5 27,333.2 27,517.8 28,206.5
Gross Profit 50,919.5 42,064.7 49,774.5 47,851.0 44,702.8 44,327.4 44,580.5 41,650.4 39,524.7 37,427.7 35,285.5 33,873.6 31,714.2 31,062.3 29,816.5 32,281.4 25,359.9 25,782.6 23,505.4 23,811.4 24,305.6
Operating Income 21,685.2 20,342.5 22,524.0 21,151.0 21,404.5 18,144.5 21,695.6 19,889.6 20,013.2 15,961.6 18,053.3 16,546.2 15,649.9 11,500.7 13,074.7 16,518.2 10,274.4 8,655.5 7,362.6 8,633.1 8,885.8
Net Income 16,719.7 16,131.0 17,525.9 16,316.4 16,641.7 14,063.6 17,420.7 15,301.7 15,263.1 13,067.0 13,465.8 13,020.4 12,133.8 9,058.5 10,099.4 12,463.5 7,983.6 6,405.1 5,657.8 6,816.1 5,001.0
EPS (Diluted) 3.17 3.04 3.32 3.09 3.16 2.68 3.30 2.90 2.90 154.68
Balance Sheet
Cash & Equivalents 192,358.2 158,837.8 237,120.8 212,524.7 184,798.1 287,298 303,466.5 610.6 316,254.1 271,582 262,093.2 275,057.5 301,887.7 268,497 267,056.0 256,758.5 259,383.6 339,304 341,234.7 283,468.1 253,751.1
Total Assets 3,665,320.7 3,640,178.4 3,472,821.8 3,399,414.9 3,279,838.7 3,318,813 3,177,373.8 3,109,983.9 3,068,004.8 2,888,372 2,709,938.8 2,684,670.3 2,674,201.4 46,677.0 2,528,223.0 2,464,346.9 2,378,242.7 2,421,915 2,260,386.7 2,178,640.2 2,164,449.5
Total Debt 271,895.5 235,794.9 212,096.6 226,701.4 146,472.0 187,974 158,257.6 150,901.0 142,051.6 157,534 101,603.0 106,513.3 99,657.6 2,100.9 84,154.7 80,178.0 108,296.4 112,354 93,739.8 131,376.9 131,240.8
Stockholders' Equity 474,342.0 474,985.5 474,752.4 453,456.1 448,631.6 430,469 433,341.2 406,531.3 403,074.3 357,204 349,613.3 336,053.3 331,649.7 5,693.6 313,373.3 304,075.0 299,976.3 293,060 291,806.7 285,847.9 280,767.6
Cash Flow
Operating Cash Flow 21,437.8 16,971.0 35,172 (52,156) (46,921) (264) 10,189 (22,245) (9,579) 18,069 22,322 (60,924) (15,583) (23,285) (6,877) 29,755 (45,086) 106,727 94,574 12,162 (6,983)
Capital Expenditure (1,312.8) (2,622.3) (1,086) (1,565) (1,015) (1,179) (812) (1,136) (643) (1,295) (1,171) (1,458) (565) (33) (553) (273) (266) (2,242) (989) (760) (815)
Free Cash Flow 20,125.0 14,348.6 34,086 (53,721) (47,936) (1,443) 9,377 (23,381) (10,222) 16,774 21,151 (62,382) (16,148) (23,318) (7,430) 29,482 (45,352) 104,485 93,585 11,402 (7,798)