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Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Bank of the Philippine Islands's cash to debt ratio for the quarter that ended in Mar. 2026 was 0.86.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Bank of the Philippine Islandscouldn't pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Bank of the Philippine Islands's Cash-to-Debt or its related term are showing as below:
PHS:BPI'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.82 Med: 2.23 Max: 9.3
Current: 0.86
During the past 13 years, Bank of the Philippine Islands's highest Cash to Debt Ratio was 9.30. The lowest was 0.82. And the median was 2.23.
PHS:BPI's Cash-to-Debt is ranked worse than 63.91% of 1499
companies
in the Banks industry
Industry Median: 1.48
vs PHS:BPI: 0.86
Bank of the Philippine Islands (PHS:BPI) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Bank of the Philippine Islands Cash-to-Debt Related Terms
Bank of the Philippine Islands Cash-to-Debt Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Bank of the Philippine Islands Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Bank of the Philippine Islands's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank of the Philippine Islands Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the Philippine Islands's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Bank of the Philippine Islands's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank of the Philippine Islands (PHS:BPI) has a Cash-to-Debt of 0.86 as of Mar. 2026. This is 61% below median its historical median of 2.23. Over the past decade, Bank of the Philippine Islands' Cash-to-Debt has ranged from 0.82 to 9.30. According to the industry distribution chart, Bank of the Philippine Islands ranks #958 out of 1499 companies in the Banks industry, placing it in the top 63.9%.
Is Bank of the Philippine Islands' Cash-to-Debt too high?
Bank of the Philippine Islands' current Cash-to-Debt of 0.86 is 61% below median its 10-year median of 2.23. Over the past 10 years, this metric has ranged from a low of 0.82 to a high of 9.30. The Banks industry median Cash-to-Debt is 1.48. Bank of the Philippine Islands' value of 0.86 is 41.9% below this industry median. Based on the distribution chart, Bank of the Philippine Islands ranks #958 out of 1499 companies in the Banks industry, which is below the industry midpoint. Overall, Bank of the Philippine Islands has a GF Score™ of 83/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bank of the Philippine Islands' Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Bank of the Philippine Islands ranks #958 out of 1499 companies for Cash-to-Debt. This places Bank of the Philippine Islands in the lower half of its industry. The industry median Cash-to-Debt is 1.48. Bank of the Philippine Islands' value of 0.86 is 41.9% below this benchmark. Historically, Bank of the Philippine Islands' own Cash-to-Debt has ranged from 0.82 to 9.30 over the past decade. While the company's 10-year median is 2.23 vs. the industry median of 1.48, Bank of the Philippine Islands has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.48, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of the Philippine Islands's current Cash-to-Debt of 0.86 is 41.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.48 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the Philippine Islands's current Cash-to-Debt is 0.86, which is 61% below median its own 10-year median of 2.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of the Philippine Islands stock overvalued right now?
Based on GuruFocus' analysis, Bank of the Philippine Islands (PHS:BPI) is currently considered Possible Value Trap. The stock's GF Value™ is ₱158.55, compared to a current price of ₱104.00 — trading 34.4% below its estimated fair value. The current Cash-to-Debt is 0.86, which is 61% below median its 10-year median of 2.23 and 41.9% below the Banks industry median of 1.48. Bank of the Philippine Islands' overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Bank of the Philippine Islands (PHS:BPI), the current Cash-to-Debt is 0.86 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank of the Philippine Islands (PHS:BPI) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of the Philippine Islands stock appears to be undervalued.
The current stock price of ₱104.00 is trading 34.4% below its estimated GF Value™ of ₱158.55.
GuruFocus considers Bank of the Philippine Islands to be Possible Value Trap.
Key valuation signals for PHS:BPI:
Cash-to-Debt: 0.86 (61% below median its 10-year median of 2.23)
GF Value™: ₱158.55 vs. price of ₱104.00 (34.4% below fair value)
Industry Position: 41.9% below the Banks median (#958 of 1499)
No single metric tells the full story. See the PHS:BPI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of the Philippine Islands Business Description
Bank of the Philippine Islands is a universal bank offering a range of financial products and solutions for both retail and corporate customers. The services of the company include consumer banking and lending, asset management, insurance, securities brokerage and distribution, foreign exchange, leasing, and corporate and investment banking. It has three business segments: Consumer banking, Corporate banking, and Investment banking. It derives maximum revenue from the Consumer Banking Segment.
83GF Score
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