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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Bank of the Philippine Islands's Debt-to-Equity or its related term are showing as below:
PHS:BPI'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.2 Med: 0.38 Max: 0.67
Current: 0.56
During the past 13 years, the highest Debt-to-Equity Ratio of Bank of the Philippine Islands was 0.67. The lowest was 0.20. And the median was 0.38.
PHS:BPI's Debt-to-Equity is ranked better than 50.42% of 1426
companies
in the Banks industry
Industry Median: 0.56
vs PHS:BPI: 0.56
Bank of the Philippine Islands (PHS:BPI) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Bank of the Philippine Islands Debt-to-Equity Related Terms
Bank of the Philippine Islands Debt-to-Equity 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.
Bank of the Philippine Islands Debt-to-Equity Chart
Bank of the Philippine Islands Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Bank of the Philippine Islands's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the Philippine Islands's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Bank of the Philippine Islands's Debt-to-Equity 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 Debt-to-Equity of 0.56 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank of the Philippine Islands and its competitors. This is 47% above median its historical median of 0.38. Over the past decade, Bank of the Philippine Islands' Debt-to-Equity has ranged from 0.20 to 0.67. According to the industry distribution chart, Bank of the Philippine Islands ranks #707 out of 1426 companies in the Banks industry, placing it in the top 49.6%.
Is Bank of the Philippine Islands' Debt-to-Equity too high?
Bank of the Philippine Islands' current Debt-to-Equity of 0.56 is 47% above median its 10-year median of 0.38. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 0.67. The Banks industry median Debt-to-Equity is 0.56. Bank of the Philippine Islands' value of 0.56 is 0% at this industry median. Based on the distribution chart, Bank of the Philippine Islands ranks #707 out of 1426 companies in the Banks industry, which is above the industry midpoint. Overall, Bank of the Philippine Islands has a GF Score™ of 84/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bank of the Philippine Islands' Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Bank of the Philippine Islands ranks #707 out of 1426 companies for Debt-to-Equity. This puts Bank of the Philippine Islands in the upper half of its industry. The industry median Debt-to-Equity is 0.56. Bank of the Philippine Islands' value of 0.56 is 0% at this benchmark. Historically, Bank of the Philippine Islands' own Debt-to-Equity has ranged from 0.20 to 0.67 over the past decade. While the company's 10-year median is 0.38 vs. the industry median of 0.56, Bank of the Philippine Islands has consistently been at 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,426 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of the Philippine Islands's current Debt-to-Equity of 0.56 is 0% at 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Bank of the Philippine Islands and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the Philippine Islands's current Debt-to-Equity is 0.56, which is 47% above median its own 10-year median of 0.38. 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 ₱158.28, compared to a current price of ₱102.00 — trading 35.6% below its estimated fair value. The current Debt-to-Equity is 0.56, which is 47% above median its 10-year median of 0.38 and 0% at the Banks industry median of 0.56. Bank of the Philippine Islands' overall GF Score™ is 84/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Bank of the Philippine Islands (PHS:BPI), the current Debt-to-Equity is 0.56 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 ₱102.00 is trading 35.6% below its estimated GF Value™ of ₱158.28.
GuruFocus considers Bank of the Philippine Islands to be Possible Value Trap.
Key valuation signals for PHS:BPI:
Debt-to-Equity: 0.56 (47% above median its 10-year median of 0.38)
GF Value™: ₱158.28 vs. price of ₱102.00 (35.6% below fair value)
Industry Position: 0% at the Banks median (#707 of 1426)
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.
84GF Score
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