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Bank of the Philippine Islands (BPI) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Bank of the Philippine Islands

BPIMarket cap $7.85BPrice $1.5

Country🇵🇭Philippines

SectorFinancials

IndustryBanks

Runs one of the Philippines' oldest and largest banks, offering everything from savings accounts to corporate loans. Founded in 1851, it's Southeast Asia's first bank, older than the Philippine nation it now helps finance.

In Bastion Portfolios?

52W Return-19%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+15%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+13%–

Rev CAGR (5y)+9%7

Earnings Forecast

EPS Growth Y+1-10%3

EPS Growth Y+2+14%7

EPS Growth Y+3+13%7

Quality

Margins

EBIT Margin0%6

Net Income Margin36%9

Free Cash Flow Margin-126%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE14%6

ROA2%4

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)710

P/E Ratio (Forward 3y)610

P/BV1.09

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yieldna–

Momentum

Short term

1 month return-12%2

3 month return-11%3

YTD return-18%2

Mid term

Price vs 52wHigh76%4

1 year return-14%3

Long term

3 year return-5%3

5 year return+44%5

Risk Shield

Price Risk

Beta0.48

Volatility34%6

Free Cash Flow

Free Cash Flow Margin-126%1

Free Cash Flow Yield0.0%10

Quality

ROCE11%4

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

BPIBank of the Philippine Islands

Revenue FY25$3.0B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+13%–

Revenue, next 5Y, CAGR+9%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-10%3

EPS growth, FY27E+14%7

EPS growth, FY28E+13%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 13%/yr over the next 3 years, ahead of most of the market.7/10

The runway holds up: revenue is set to grow 9%/yr over five years.7/10

WATCH

Revenue grew 15%/yr over the last 3 years and is set to keep growing around 13%/yr.

Earnings are set to grow in step with sales (EPS about 13%/yr vs revenue 13%/yr). One year dips: EPS falls 10% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

BPIBank of the Philippine Islands

Total return Current14.5%

Price return Current−9.8%

MOMENTUM RATING↗

WEAK17 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-12%2

3-month return-11%3

YTD return-18%2

MID & LONG-TERM▾SCORE

% of 52-week high76%4

1-year return-14%3

3-year return-5%3

5-year return+44%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (-4.7% over three years and +44% over five), roughly average for the market.

WEAKNESSES

It's down 14% over the past year, now 24% below its 52-week high. That is a touch behind the market.

The stock is underperforming over the past month (-12%), over three months (-11%) and so far this year (-18%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the one-year trend is weak.

04Value

Are you paying a fair price for it?

Stop guessing on Bank of the Philippine Islands. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

BPIBank of the Philippine Islands

Revenue FY25$3.0B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+13%–

Revenue, next 5Y, CAGR+9%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-10%3

EPS growth, FY27E+14%7

EPS growth, FY28E+13%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 13%/yr over the next 3 years, ahead of most of the market.7/10

The runway holds up: revenue is set to grow 9%/yr over five years.7/10

WATCH

Revenue grew 15%/yr over the last 3 years and is set to keep growing around 13%/yr.

Earnings are set to grow in step with sales (EPS about 13%/yr vs revenue 13%/yr). One year dips: EPS falls 10% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

BPIBank of the Philippine Islands

Total return Current14.5%

Price return Current−9.8%

MOMENTUM RATING↗

WEAK17 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-12%2

3-month return-11%3

YTD return-18%2

MID & LONG-TERM▾SCORE

% of 52-week high76%4

1-year return-14%3

3-year return-5%3

5-year return+44%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (-4.7% over three years and +44% over five), roughly average for the market.

WEAKNESSES

It's down 14% over the past year, now 24% below its 52-week high. That is a touch behind the market.

The stock is underperforming over the past month (-12%), over three months (-11%) and so far this year (-18%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Bank of the Philippine Islands. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community