Bank of the Philippine Islands

PSE:BPI Stock Report

Market Cap: ₱643.2b

Bank of the Philippine Islands Past Earnings Performance

Past criteria checks 5/6

Bank of the Philippine Islands has been growing earnings at an average annual rate of 20.8%, while the Banks industry saw earnings growing at 17.4% annually. Revenues have been growing at an average rate of 15% per year. Bank of the Philippine Islands's return on equity is 14.1%, and it has net margins of 38.7%.

Key information

20.8%

Earnings growth rate

20.7%

EPS growth rate

Banks Industry Growth13.5%
Revenue growth rate15.0%
Return on equity14.1%
Net Margin38.7%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Bank of the Philippine Islands makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

PSE:BPI Revenue, expenses and earnings (PHP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24157,58161,05256,4570
30 Jun 24149,08657,09853,9920
31 Mar 24141,81054,81650,6730
31 Dec 23134,49951,68749,3570
30 Sep 23127,27347,67945,7810
30 Jun 23120,30344,31243,9350
31 Mar 23117,21143,75542,4440
31 Dec 22109,35739,60540,6820
30 Sep 22102,85736,95237,1640
30 Jun 2295,29632,51036,3970
31 Mar 2286,42426,86336,0250
31 Dec 2184,27023,88035,5080
30 Sep 2179,55921,92334,6860
30 Jun 2178,61921,76034,1530
31 Mar 2174,07320,23633,5170
31 Dec 2073,92321,62033,4150
30 Sep 2076,00923,86232,7190
30 Jun 2081,20026,66132,9510
31 Mar 2086,27428,38333,1270
31 Dec 1986,70028,76133,5970
30 Sep 1985,98628,09933,2410
30 Jun 1980,71325,78932,0990
31 Mar 1976,91823,55331,6300
31 Dec 1871,90122,95228,3480
30 Sep 1869,15322,37829,3900
30 Jun 1867,89721,75128,5200
31 Mar 1867,24322,41127,0730
31 Dec 1767,22522,41626,4560
30 Sep 1768,33321,72125,7430
30 Jun 1766,00121,07224,8770
31 Mar 1768,02823,32525,3420
31 Dec 1661,75122,05024,7630
30 Sep 1664,32521,77124,5100
30 Jun 1663,79921,55724,3360
31 Mar 1659,08618,29723,1360
31 Dec 1558,53818,23422,9600
30 Sep 1559,25719,07722,8950
30 Jun 1558,98919,35622,6910
31 Mar 1558,16519,35122,5300
31 Dec 1456,01118,03922,2020
30 Sep 1452,41615,85021,6530
30 Jun 1449,92314,81721,0170
31 Mar 1448,07814,04620,0420
31 Dec 1352,84718,81120,0270

Quality Earnings: BPI has high quality earnings.

Growing Profit Margin: BPI's current net profit margins (38.7%) are higher than last year (37.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BPI's earnings have grown significantly by 20.8% per year over the past 5 years.

Accelerating Growth: BPI's earnings growth over the past year (28.1%) exceeds its 5-year average (20.8% per year).

Earnings vs Industry: BPI earnings growth over the past year (28.1%) exceeded the Banks industry 17.4%.

Return on Equity

High ROE: BPI's Return on Equity (14.1%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/20 08:57
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Bank of the Philippine Islands is covered by 26 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Joahnna SorianoBofA Global Research
Edser TrinidadCGS International
James McCaffertyCGS International