Bank of the Philippine Islands engages in the provision of commercial banking services. The firm's segments include consumer banking, corporate banking and investment banking/financial markets. Its consumer banking serves the individual and retail markets. Its services cover deposit taking and servicing, consumer lending such as home mortgages, auto loans and credit card finance as well as the remittance business. Its corporate banking caters to both high-end corporations and middle market clients. Its services include deposit taking and servicing, loan facilities, trade, cash management and Internet-based banking platforms for corporate and institutional customers. Its investment banking includes the various business groups operating in the investment markets and dealing in activities other than lending and deposit taking. These services cover corporate finance, securities distribution, asset management, trust and fiduciary services as well as proprietary trading and investment activities.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2024
12/31/2023
12/31/2022
12/31/2021
12/31/2020
Revenue
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Revenue Growth (YoY)
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Cost of Revenue
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Gross Profit
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Selling, General & Admin
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Research & Development
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Operating Expenses
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--
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Other Non Operating Income (Expenses)
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--
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Pretax Income
83,223
79,743
65,211
51,368
33,537
25,769
Income Tax Expense
18,472
17,503
13,299
11,532
9,427
3,906
Net Income
64,547
62,049
51,687
39,605
23,880
21,409
Net Income Growth
6%
20%
31%
66%
12%
-26%
Shares Outstanding (Diluted)
5,283.79
5,266
4,741
4,917.51
4,513
4,513
Shares Change (YoY)
0%
11%
-4%
9%
0%
0%
EPS (Diluted)
12.21
11.78
10.9
8.05
5.29
4.74
EPS Growth
5%
8%
35%
52%
12%
-26%
Free Cash Flow
-69,014
-25,669
68,185
-45,075
201,674
88,486
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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D&A For EBITDA
5,498
5,257
6,615
5,445
6,249
6,023
EBIT
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EBIT Margin
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Effective Tax Rate
22.19%
21.94%
20.39%
22.44%
28.1%
15.15%
Follow-Up Questions
What are Bank of the Philippine Islands's key financial statements?
According to the latest financial statement (Form-10K), Bank of the Philippine Islands has a total asset of $3,318,813, Net profit of $62,049
What are the key financial ratios for BPHLF?
Bank of the Philippine Islands's Current ratio is 1.14, has a Net margin is 0, sales per share of $0.
How is Bank of the Philippine Islands's revenue broken down by segment or geography?
Bank of the Philippine Islands largest revenue segment is Consumer Banking, at a revenue of 96,021,000,000 in the most earnings release.For geography, Philippines is the primary market for Bank of the Philippine Islands, at a revenue of 163,539,000,000.
Is Bank of the Philippine Islands profitable?
yes, according to the latest financial statements, Bank of the Philippine Islands has a net profit of $62,049
Does Bank of the Philippine Islands have any liabilities?
yes, Bank of the Philippine Islands has liability of 2,888,344
How many outstanding shares for Bank of the Philippine Islands?
Bank of the Philippine Islands has a total outstanding shares of 5,272.09