BPHLY (Bank of the Philippine Islands) E10: $2.88 (As of Jun. 2026)

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BPHLY Bank of the Philippine Islands BPHLY
74 GF Score
Price $31.37
GF Value $48.02
Valuation Possible Value Trap
! 3 Warning Signs
View Full Analysis

What is Bank of the Philippine Islands E10?

Bank of the Philippine Islands BPHLY 74 E10 is $2.88 as of Jun. 2026. GuruFocus rates BPHLY with a GF Score™ of 74/100 and a GF Value™ of $48.02 (Possible Value Trap). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Bank of the Philippine Islands's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.982. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.88 for the trailing ten years ended in Jun. 2026.

During the past 12 months, Bank of the Philippine Islands's average E10 Growth Rate was -100.00% per year. During the past 3 years, the average E10 Growth Rate was 12.00% per year. During the past 5 years, the average E10 Growth Rate was 11.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Bank of the Philippine Islands was 12.00% per year. The lowest was 6.30% per year. And the median was 10.60% per year.

As of today (2026-08-11), Bank of the Philippine Islands's current stock price is $31.366. Bank of the Philippine Islands's E10 for the quarter that ended in Jun. 2026 was $2.88. Bank of the Philippine Islands's Shiller PE Ratio of today is 10.89.

During the past 13 years, the highest Shiller PE Ratio of Bank of the Philippine Islands was 22.70. The lowest was 10.23. And the median was 16.44.


Bank of the Philippine Islands  (OTCPK:BPHLY) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Bank of the Philippine Islands's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=31.366/2.88
=10.89

* 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.

During the past 13 years, the highest Shiller P/E Ratio of Bank of the Philippine Islands was 22.70. The lowest was 10.23. And the median was 16.44.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Bank of the Philippine Islands E10 Related Terms


Bank of the Philippine Islands E10 Historical Data

* Premium members only.

The historical data trend for Bank of the Philippine Islands's E10 can be seen below:

* 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 E10 Chart

Bank of the Philippine Islands Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.23 2.01 2.31 2.65 2.83

Bank of the Philippine Islands Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.73 2.78 2.83 2.86 2.88

Bank of the Philippine Islands E10 Competitor Comparison

For the Banks - Regional subindustry, Bank of the Philippine Islands's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bank of the Philippine Islands's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Bank of the Philippine Islands's Shiller PE Ratio falls into.


BPHLY
74GF Score
Bank of the Philippine Islands BPHLY
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank of the Philippine Islands E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Bank of the Philippine Islands's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.982/333.9520*333.9520
=0.982

Current CPI (Jun. 2026) = 333.9520.

Bank of the Philippine Islands Quarterly Data

per share eps CPI Adj_EPS
201609 0.349 241.428 0.483
201612 0.346 241.432 0.479
201703 0.464 243.801 0.636
201706 0.403 244.955 0.549
201709 0.397 246.819 0.537
201712 0.397 246.524 0.538
201803 0.474 249.554 0.634
201806 0.318 251.989 0.421
201809 0.399 252.439 0.528
201812 0.404 251.233 0.537
201903 0.447 254.202 0.587
201906 0.467 256.143 0.609
201909 0.552 256.759 0.718
201912 0.450 256.974 0.585
202003 0.423 258.115 0.547
202006 0.352 257.797 0.456
202009 0.365 260.280 0.468
202012 0.282 260.474 0.362
202103 0.333 264.877 0.420
202106 0.453 271.696 0.557
202109 0.376 274.310 0.458
202112 0.426 278.802 0.510
202203 0.578 287.504 0.671
202206 0.828 296.311 0.933
202209 0.671 296.808 0.755
202212 0.421 296.797 0.474
202303 0.876 301.836 0.969
202306 0.860 305.109 0.941
202309 0.890 307.789 0.966
202312 0.864 306.746 0.941
202403 0.948 312.332 1.014
202406 0.949 314.175 1.009
202409 1.080 315.301 1.144
202412 0.872 315.605 0.923
202503 1.033 319.799 1.079
202506 1.009 322.561 1.045
202509 1.084 324.800 1.115
202512 0.998 324.054 1.028
202603 1.046 330.213 1.058
202606 0.982 333.952 0.982

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $2.88 mean?
Bank of the Philippine Islands (BPHLY) has a E10 of $2.88 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bank of the Philippine Islands and its competitors.
Is Bank of the Philippine Islands' E10 too high?
Bank of the Philippine Islands' current E10 is $2.88. Overall, Bank of the Philippine Islands has a GF Score™ of 74/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bank of the Philippine Islands' E10 compare to competitors?
Bank of the Philippine Islands' E10 of $2.88 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Bank of the Philippine Islands and its competitors. Bank of the Philippine Islands's current E10 is $2.88. 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 (BPHLY) is currently considered Possible Value Trap. The stock's GF Value™ is $48.02, compared to a current price of $31.37 — trading 34.7% below its estimated fair value. The current E10 is $2.88. Bank of the Philippine Islands' overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Bank of the Philippine Islands (BPHLY), the current E10 is $2.88 as of Jun. 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 (BPHLY) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of the Philippine Islands stock appears to be undervalued. The current stock price of $31.37 is trading 34.7% below its estimated GF Value™ of $48.02. GuruFocus considers Bank of the Philippine Islands to be Possible Value Trap.

Key valuation signals for BPHLY:

  • E10: $2.88
  • GF Value™: $48.02 vs. price of $31.37 (34.7% below fair value)
  • GF Score™: 74/100 with 3 warning signs

No single metric tells the full story. See the BPHLY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank of the Philippine Islands Business Description

Other Exchanges BPI:Philippines
Address Paseo de Roxas Corner Makati Avenue, 22nd Floor - 28th Floor, Tower 2, Ayala Triangle Gardens, Bel-Air, Makati City, PHL, 1226
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.
74GF Score

Get the complete analysis for BPHLY

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$31.37
Price
$48.02
GF Value