Bank of the Philippine Islands - BPHLF - Fundamentals

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Breakdown	2015 12/31	2016 12/31	2017 12/31	2018 12/31	2019 12/31	2020 12/31	2021 12/31	2022 12/31	2023 12/31	2024 12/31	2025 12/31	TTM
REVENUE	1,498	1,643	1,752	1,933	2,551	2,680	2,240	2,404	3,283	170,083	194,558	209,642	📊
Revenue Growth (1Y)	--	+9.68%	+6.66%	+10.29%	+32.02%	+5.05%	-16.44%	+7.32%	+36.58%	+5080.94%	+14.39%	+7.75%	📊
Revenue Growth (5Y)	--	--	--	--	+70.33%	+63.15%	+27.81%	+24.37%	+28.66%	+6245.44%	+8586.56%	+9260.02%	📊
Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	+11254.23%	+11742.01%	+12660.11%	📊
Cost of Revenue	0	0	0	0	0	0	0	0	0	0	0	30,342	📊
Cost of Revenue Growth (1Y)	--	-100.00%	--	--	--	-87.12%	-100.00%	--	--	--	--	--	📊
Cost of Revenue Growth (5Y)	--	--	--	--	+658.32%	--	--	--	-100.00%	-100.00%	--	--	📊
Cost of Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	-100.00%	--	--	📊
Gross Profit	1,498	1,643	1,752	1,933	2,551	2,680	2,240	2,404	3,283	170,083	0	107,668	📊
Gross Profit Growth (1Y)	--	+9.68%	+6.66%	+10.29%	+32.02%	+5.05%	-16.44%	+7.32%	+36.58%	+5080.94%	-100.00%	--	📊
Gross Profit Growth (5Y)	--	--	--	--	+70.33%	+63.15%	+27.81%	+24.37%	+28.66%	+6245.44%	-100.00%	+4707.12%	📊
Gross Profit Growth (10Y)	--	--	--	--	--	--	--	--	--	+11254.23%	-100.00%	+6453.34%	📊
Operating Expenses	118	188	218	263	357	354	346	375	138,301	83,131	0	85,144	📊
Operating Expenses Growth (1Y)	--	+58.94%	+15.62%	+20.85%	+35.89%	-1.05%	-2.13%	+8.40%	+36777.34%	-39.89%	-100.00%	--	📊
Operating Expenses Growth (5Y)	--	--	--	--	+201.80%	+87.90%	+59.05%	+42.66%	+38612.51%	+23415.59%	-100.00%	+24509.90%	📊
Operating Expenses Growth (10Y)	--	--	--	--	--	--	--	--	--	+70128.53%	-100.00%	+45155.14%	📊
Sell General Administrative	0	0	0	0	663	1,838	2,150	3,917	5,817	6,283	0	--	📊
Research and Development	0	0	0	0	0	0	0	0	0	0	0	--	📊
Other Income Expenses	55	-188	-218	-263	-357	-354	-346	-375	132,484	76,848	0	85,144	📊
EBITDA	529	71	77	86	999	759	872	999	1,294	0	85,019	31,510	📊
EBITDA Growth (1Y)	--	-86.49%	+7.46%	+12.53%	+1055.54%	-24.01%	+14.92%	+14.47%	+29.54%	-100.00%	--	-62.94%	📊
EBITDA Growth (5Y)	--	--	--	--	+88.74%	+961.79%	+1035.55%	+1055.12%	+29.49%	-100.00%	+9645.84%	+3512.01%	📊
EBITDA Growth (10Y)	--	--	--	--	--	--	--	--	--	-100.00%	+118823.15%	+43975.37%	📊
Depreciation and Amortization	78	76	83	91	141	125	122	98	119	5,257	0	1,463	📊
Operating Income	451	-5	-6	-5	858	634	750	901	-363	86,952	85,019	42,464	📊
Operating Income Growth (1Y)	--	-101.00%	-41.63%	+25.54%	+18078.41%	-26.16%	+18.41%	+20.09%	-140.28%	+24056.09%	-2.22%	-50.05%	📊
Operating Income Growth (5Y)	--	--	--	--	+90.07%	+14100.56%	+11805.04%	+18976.87%	-142.30%	+13621.99%	+11231.04%	+5559.42%	📊
Operating Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+19158.77%	+1878557.06%	+938316.76%	📊
Interest Expense	7	13	23	59	119	105	101	66	41,222	62,368	0	17,109	📊
Pre Tax Income	500	539	575	570	757	537	655	921	1,174	79,743	0	22,524	📊
Tax Provision	109	91	119	127	185	81	184	207	240	17,503	0	4,965	📊
NET INCOME	388	444	449	439	569	446	466	710	933	62,049	66,401	65,860	📊
Net Income Growth (1Y)	--	+14.46%	+1.24%	-2.26%	+29.59%	-21.61%	+4.62%	+52.18%	+31.50%	+6548.24%	+7.01%	-0.81%	📊
Net Income Growth (5Y)	--	--	--	--	+46.77%	+0.51%	+3.86%	+61.72%	+64.11%	+13818.49%	+14137.62%	+14021.73%	📊
Net Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+15912.48%	+14870.31%	+14748.46%	📊
Basic EPS	4.14	5	5.08	4.91	5.86	4.67	4.86	8.05	10.93	684.14	12.57	12.52	📊
Diluted EPS	4.14	5	5.08	4.91	5.86	4.67	4.86	8.05	10.93	0	0	9.48	📊
Basic Average Shares	94	89	88	89	97	95	96	88	85	5,266	0	3,962	📊
Diluted Average Shares	94	89	88	89	97	95	96	88	85	5,266	0	3,962	📊

Breakdown

2015

12/31

2016

12/31

2017

12/31

2018

12/31

2019

12/31

2020

12/31

2021

12/31

2022

12/31

2023

12/31

2024

12/31

2025

12/31

TTM

REVENUE

1,498

1,643

1,752

1,933

2,551

2,680

2,240

2,404

3,283

170,083

194,558

209,642

📊

Revenue Growth (1Y)

+9.68%

+6.66%

+10.29%

+32.02%

+5.05%

-16.44%

+7.32%

+36.58%

+5080.94%

+14.39%

+7.75%

📊

Revenue Growth (5Y)

+70.33%

+63.15%

+27.81%

+24.37%

+28.66%

+6245.44%

+8586.56%

+9260.02%

📊

Revenue Growth (10Y)

+11254.23%

+11742.01%

+12660.11%

📊

Cost of Revenue

30,342

📊

Cost of Revenue Growth (1Y)

-100.00%

-87.12%

-100.00%

📊

Cost of Revenue Growth (5Y)

+658.32%

-100.00%

📊

Cost of Revenue Growth (10Y)

-100.00%

📊

Gross Profit

1,498

1,643

1,752

1,933

2,551

2,680

2,240

2,404

3,283

170,083

107,668

📊

Gross Profit Growth (1Y)

+9.68%

+6.66%

+10.29%

+32.02%

+5.05%

-16.44%

+7.32%

+36.58%

+5080.94%

-100.00%

📊

Gross Profit Growth (5Y)

+70.33%

+63.15%

+27.81%

+24.37%

+28.66%

+6245.44%

-100.00%

+4707.12%

📊

Gross Profit Growth (10Y)

+11254.23%

-100.00%

+6453.34%

📊

Operating Expenses

118

188

218

263

357

354

346

375

138,301

83,131

85,144

📊

Operating Expenses Growth (1Y)

+58.94%

+15.62%

+20.85%

+35.89%

-1.05%

-2.13%

+8.40%

+36777.34%

-39.89%

-100.00%

📊

Operating Expenses Growth (5Y)

+201.80%

+87.90%

+59.05%

+42.66%

+38612.51%

+23415.59%

-100.00%

+24509.90%

📊

Operating Expenses Growth (10Y)

+70128.53%

-100.00%

+45155.14%

📊

Sell General Administrative

663

1,838

2,150

3,917

5,817

6,283

📊

Research and Development

📊

Other Income Expenses

-188

-218

-263

-357

-354

-346

-375

132,484

76,848

85,144

📊

EBITDA

529

999

759

872

999

1,294

85,019

31,510

📊

EBITDA Growth (1Y)

-86.49%

+7.46%

+12.53%

+1055.54%

-24.01%

+14.92%

+14.47%

+29.54%

-100.00%

-62.94%

📊

EBITDA Growth (5Y)

+88.74%

+961.79%

+1035.55%

+1055.12%

+29.49%

-100.00%

+9645.84%

+3512.01%

📊

EBITDA Growth (10Y)

-100.00%

+118823.15%

+43975.37%

📊

Depreciation and Amortization

141

125

122

119

5,257

1,463

📊

Operating Income

451

-5

-6

-5

858

634

750

901

-363

86,952

85,019

42,464

📊

Operating Income Growth (1Y)

-101.00%

-41.63%

+25.54%

+18078.41%

-26.16%

+18.41%

+20.09%

-140.28%

+24056.09%

-2.22%

-50.05%

📊

Operating Income Growth (5Y)

+90.07%

+14100.56%

+11805.04%

+18976.87%

-142.30%

+13621.99%

+11231.04%

+5559.42%

📊

Operating Income Growth (10Y)

+19158.77%

+1878557.06%

+938316.76%

📊

Interest Expense

119

105

101

41,222

62,368

17,109

📊

Pre Tax Income

500

539

575

570

757

537

655

921

1,174

79,743

22,524

📊

Tax Provision

109

119

127

185

184

207

240

17,503

4,965

📊

NET INCOME

388

444

449

439

569

446

466

710

933

62,049

66,401

65,860

📊

Net Income Growth (1Y)

+14.46%

+1.24%

-2.26%

+29.59%

-21.61%

+4.62%

+52.18%

+31.50%

+6548.24%

+7.01%

-0.81%

📊

Net Income Growth (5Y)

+46.77%

+0.51%

+3.86%

+61.72%

+64.11%

+13818.49%

+14137.62%

+14021.73%

📊

Net Income Growth (10Y)

+15912.48%

+14870.31%

+14748.46%

📊

Basic EPS

4.14

5.08

4.91

5.86

4.67

4.86

8.05

10.93

684.14

12.57

12.52

📊

Diluted EPS

4.14

5.08

4.91

5.86

4.67

4.86

8.05

10.93

9.48

📊

Basic Average Shares

5,266

3,962

📊

Diluted Average Shares

5,266

3,962

📊

Breakdown	2015 12/31	2016 12/31	2017 12/31	2018 12/31	2019 12/31	2020 12/31	2021 12/31	2022 12/31	2023 12/31	2024 12/31	2025 12/31	TTM
REVENUE	1,498	1,643	1,752	1,933	2,551	2,680	2,240	2,404	3,283	170,083	194,558	209,642	📊
Revenue Growth (1Y)	--	+9.68%	+6.66%	+10.29%	+32.02%	+5.05%	-16.44%	+7.32%	+36.58%	+5080.94%	+14.39%	+7.75%	📊
Revenue Growth (5Y)	--	--	--	--	+70.33%	+63.15%	+27.81%	+24.37%	+28.66%	+6245.44%	+8586.56%	+9260.02%	📊
Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	+11254.23%	+11742.01%	+12660.11%	📊
Cost of Revenue	0	0	0	0	0	0	0	0	0	0	0	30,342	📊
Cost of Revenue Growth (1Y)	--	-100.00%	--	--	--	-87.12%	-100.00%	--	--	--	--	--	📊
Cost of Revenue Growth (5Y)	--	--	--	--	+658.32%	--	--	--	-100.00%	-100.00%	--	--	📊
Cost of Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	-100.00%	--	--	📊
Gross Profit	1,498	1,643	1,752	1,933	2,551	2,680	2,240	2,404	3,283	170,083	0	107,668	📊
Gross Profit Growth (1Y)	--	+9.68%	+6.66%	+10.29%	+32.02%	+5.05%	-16.44%	+7.32%	+36.58%	+5080.94%	-100.00%	--	📊
Gross Profit Growth (5Y)	--	--	--	--	+70.33%	+63.15%	+27.81%	+24.37%	+28.66%	+6245.44%	-100.00%	+4707.12%	📊
Gross Profit Growth (10Y)	--	--	--	--	--	--	--	--	--	+11254.23%	-100.00%	+6453.34%	📊
Operating Expenses	118	188	218	263	357	354	346	375	138,301	83,131	0	85,144	📊
Operating Expenses Growth (1Y)	--	+58.94%	+15.62%	+20.85%	+35.89%	-1.05%	-2.13%	+8.40%	+36777.34%	-39.89%	-100.00%	--	📊
Operating Expenses Growth (5Y)	--	--	--	--	+201.80%	+87.90%	+59.05%	+42.66%	+38612.51%	+23415.59%	-100.00%	+24509.90%	📊
Operating Expenses Growth (10Y)	--	--	--	--	--	--	--	--	--	+70128.53%	-100.00%	+45155.14%	📊
Sell General Administrative	0	0	0	0	663	1,838	2,150	3,917	5,817	6,283	0	--	📊
Research and Development	0	0	0	0	0	0	0	0	0	0	0	--	📊
Other Income Expenses	55	-188	-218	-263	-357	-354	-346	-375	132,484	76,848	0	85,144	📊
EBITDA	529	71	77	86	999	759	872	999	1,294	0	85,019	31,510	📊
EBITDA Growth (1Y)	--	-86.49%	+7.46%	+12.53%	+1055.54%	-24.01%	+14.92%	+14.47%	+29.54%	-100.00%	--	-62.94%	📊
EBITDA Growth (5Y)	--	--	--	--	+88.74%	+961.79%	+1035.55%	+1055.12%	+29.49%	-100.00%	+9645.84%	+3512.01%	📊
EBITDA Growth (10Y)	--	--	--	--	--	--	--	--	--	-100.00%	+118823.15%	+43975.37%	📊
Depreciation and Amortization	78	76	83	91	141	125	122	98	119	5,257	0	1,463	📊
Operating Income	451	-5	-6	-5	858	634	750	901	-363	86,952	85,019	42,464	📊
Operating Income Growth (1Y)	--	-101.00%	-41.63%	+25.54%	+18078.41%	-26.16%	+18.41%	+20.09%	-140.28%	+24056.09%	-2.22%	-50.05%	📊
Operating Income Growth (5Y)	--	--	--	--	+90.07%	+14100.56%	+11805.04%	+18976.87%	-142.30%	+13621.99%	+11231.04%	+5559.42%	📊
Operating Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+19158.77%	+1878557.06%	+938316.76%	📊
Interest Expense	7	13	23	59	119	105	101	66	41,222	62,368	0	17,109	📊
Pre Tax Income	500	539	575	570	757	537	655	921	1,174	79,743	0	22,524	📊
Tax Provision	109	91	119	127	185	81	184	207	240	17,503	0	4,965	📊
NET INCOME	388	444	449	439	569	446	466	710	933	62,049	66,401	65,860	📊
Net Income Growth (1Y)	--	+14.46%	+1.24%	-2.26%	+29.59%	-21.61%	+4.62%	+52.18%	+31.50%	+6548.24%	+7.01%	-0.81%	📊
Net Income Growth (5Y)	--	--	--	--	+46.77%	+0.51%	+3.86%	+61.72%	+64.11%	+13818.49%	+14137.62%	+14021.73%	📊
Net Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+15912.48%	+14870.31%	+14748.46%	📊
Basic EPS	4.14	5	5.08	4.91	5.86	4.67	4.86	8.05	10.93	684.14	12.57	12.52	📊
Diluted EPS	4.14	5	5.08	4.91	5.86	4.67	4.86	8.05	10.93	0	0	9.48	📊
Basic Average Shares	94	89	88	89	97	95	96	88	85	5,266	0	3,962	📊
Diluted Average Shares	94	89	88	89	97	95	96	88	85	5,266	0	3,962	📊

Breakdown

2015

12/31

2016

12/31

2017

12/31

2018

12/31

2019

12/31

2020

12/31

2021

12/31

2022

12/31

2023

12/31

2024

12/31

2025

12/31

TTM

REVENUE

1,498

1,643

1,752

1,933

2,551

2,680

2,240

2,404

3,283

170,083

194,558

209,642

📊

Revenue Growth (1Y)

+9.68%

+6.66%

+10.29%

+32.02%

+5.05%

-16.44%

+7.32%

+36.58%

+5080.94%

+14.39%

+7.75%

📊

Revenue Growth (5Y)

+70.33%

+63.15%

+27.81%

+24.37%

+28.66%

+6245.44%

+8586.56%

+9260.02%

📊

Revenue Growth (10Y)

+11254.23%

+11742.01%

+12660.11%

📊

Cost of Revenue

30,342

📊

Cost of Revenue Growth (1Y)

-100.00%

-87.12%

-100.00%

📊

Cost of Revenue Growth (5Y)

+658.32%

-100.00%

📊

Cost of Revenue Growth (10Y)

-100.00%

📊

Gross Profit

1,498

1,643

1,752

1,933

2,551

2,680

2,240

2,404

3,283

170,083

107,668

📊

Gross Profit Growth (1Y)

+9.68%

+6.66%

+10.29%

+32.02%

+5.05%

-16.44%

+7.32%

+36.58%

+5080.94%

-100.00%

📊

Gross Profit Growth (5Y)

+70.33%

+63.15%

+27.81%

+24.37%

+28.66%

+6245.44%

-100.00%

+4707.12%

📊

Gross Profit Growth (10Y)

+11254.23%

-100.00%

+6453.34%

📊

Operating Expenses

118

188

218

263

357

354

346

375

138,301

83,131

85,144

📊

Operating Expenses Growth (1Y)

+58.94%

+15.62%

+20.85%

+35.89%

-1.05%

-2.13%

+8.40%

+36777.34%

-39.89%

-100.00%

📊

Operating Expenses Growth (5Y)

+201.80%

+87.90%

+59.05%

+42.66%

+38612.51%

+23415.59%

-100.00%

+24509.90%

📊

Operating Expenses Growth (10Y)

+70128.53%

-100.00%

+45155.14%

📊

Sell General Administrative

663

1,838

2,150

3,917

5,817

6,283

📊

Research and Development

📊

Other Income Expenses

-188

-218

-263

-357

-354

-346

-375

132,484

76,848

85,144

📊

EBITDA

529

999

759

872

999

1,294

85,019

31,510

📊

EBITDA Growth (1Y)

-86.49%

+7.46%

+12.53%

+1055.54%

-24.01%

+14.92%

+14.47%

+29.54%

-100.00%

-62.94%

📊

EBITDA Growth (5Y)

+88.74%

+961.79%

+1035.55%

+1055.12%

+29.49%

-100.00%

+9645.84%

+3512.01%

📊

EBITDA Growth (10Y)

-100.00%

+118823.15%

+43975.37%

📊

Depreciation and Amortization

141

125

122

119

5,257

1,463

📊

Operating Income

451

-5

-6

-5

858

634

750

901

-363

86,952

85,019

42,464

📊

Operating Income Growth (1Y)

-101.00%

-41.63%

+25.54%

+18078.41%

-26.16%

+18.41%

+20.09%

-140.28%

+24056.09%

-2.22%

-50.05%

📊

Operating Income Growth (5Y)

+90.07%

+14100.56%

+11805.04%

+18976.87%

-142.30%

+13621.99%

+11231.04%

+5559.42%

📊

Operating Income Growth (10Y)

+19158.77%

+1878557.06%

+938316.76%

📊

Interest Expense

119

105

101

41,222

62,368

17,109

📊

Pre Tax Income

500

539

575

570

757

537

655

921

1,174

79,743

22,524

📊

Tax Provision

109

119

127

185

184

207

240

17,503

4,965

📊

NET INCOME

388

444

449

439

569

446

466

710

933

62,049

66,401

65,860

📊

Net Income Growth (1Y)

+14.46%

+1.24%

-2.26%

+29.59%

-21.61%

+4.62%

+52.18%

+31.50%

+6548.24%

+7.01%

-0.81%

📊

Net Income Growth (5Y)

+46.77%

+0.51%

+3.86%

+61.72%

+64.11%

+13818.49%

+14137.62%

+14021.73%

📊

Net Income Growth (10Y)

+15912.48%

+14870.31%

+14748.46%

📊

Basic EPS

4.14

5.08

4.91

5.86

4.67

4.86

8.05

10.93

684.14

12.57

12.52

📊

Diluted EPS

4.14

5.08

4.91

5.86

4.67

4.86

8.05

10.93

9.48

📊

Basic Average Shares

5,266

3,962

📊

Diluted Average Shares

5,266

3,962

📊

Ex-Dividend date
Payment date
Annual Dividend	0.08 ($)
Dividend Yield	4.00%
Shareholders Yield	--
Next Earnings
Market cap	10.56B (USD)
EPS (TTM)	12.52 ($)
P/E (TTM)	0.16 ($)
Last Close	2.00

Next Earnings
Market cap	10.56B (USD)
EPS (TTM)	12.52 ($)
P/E (TTM)	0.16 ($)
Last Close	2.00 ($)

Ex-Dividend date
Payment date
Annual Dividend	0.08 ($)
Dividend Yield	4.00%
Shareholders Yield	--
Next Earnings
Market cap	10.56B (USD)
EPS (TTM)	12.52 ($)
P/E (TTM)	0.16 ($)
Last Close	2.00

Next Earnings
Market cap	10.56B (USD)
EPS (TTM)	12.52 ($)
P/E (TTM)	0.16 ($)
Last Close	2.00 ($)