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Bank of the Philippine IslandsPHS:BPI +0.68%83 3-Year EPS without NRI Growth Rate is 15.70% as of Mar. 2026, which is 89% above its 10-year median of 8.30. GuruFocus rates PHS:BPI with a GF Score™ of 83/100 and a GF Value™ of ₱158.44 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,416 Banks companies, Bank of the Philippine Islands ranks better than 69.56% on this metric.
During the past 12 months, Bank of the Philippine Islands's average EPS without NRI Growth Rate was 5.20% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 15.70% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 26.10% per year.
During the past 10 years, the average EPS without NRI 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 average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Bank of the Philippine Islands was 34.50% per year. The lowest was -7.70% per year. And the median was 8.30% per year.
Bank of the Philippine Islands (PHS:BPI) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Bank of the Philippine Islands 3-Year EPS without NRI Growth Rate Related Terms
Bank of the Philippine Islands 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Bank of the Philippine Islands's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the Philippine Islands's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Bank of the Philippine Islands's 3-Year EPS without NRI Growth Rate falls into.
Bank of the Philippine Islands 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
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 average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 15.70% mean?
Bank of the Philippine Islands (PHS:BPI) has a 3-Year EPS without NRI Growth Rate of 15.70% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Bank of the Philippine Islands and its competitors. This is 89% above median its historical median of 8.30. According to the industry distribution chart, Bank of the Philippine Islands ranks #431 out of 1416 companies in the Banks industry, placing it in the top 30.4%.
Is Bank of the Philippine Islands' 3-Year EPS without NRI Growth Rate too high?
Bank of the Philippine Islands' current 3-Year EPS without NRI Growth Rate of 15.70% is 89% above median its 10-year median of 8.30. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.25. Bank of the Philippine Islands' value of 15.70% is 116.6% above this industry median. Based on the distribution chart, Bank of the Philippine Islands ranks #431 out of 1416 companies in the Banks industry, which is above 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' 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Bank of the Philippine Islands ranks #431 out of 1416 companies for 3-Year EPS without NRI Growth Rate. This puts Bank of the Philippine Islands in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.25. Bank of the Philippine Islands' value of 15.70% is 116.6% above this benchmark. While the company's 10-year median is 8.30 vs. the industry median of 7.25, Bank of the Philippine Islands has consistently been above 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.25, based on 1,416 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of the Philippine Islands's current 3-Year EPS without NRI Growth Rate of 15.70% is 116.6% above 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Bank of the Philippine Islands and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the Philippine Islands's current 3-Year EPS without NRI Growth Rate is 15.70%, which is 89% above median its own 10-year median of 8.30. 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 ₱158.44, compared to a current price of ₱104.20 — trading 34.2% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 15.70%, which is 89% above median its 10-year median of 8.30 and 116.6% above the Banks industry median of 7.25. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Bank of the Philippine Islands (PHS:BPI), the current 3-Year EPS without NRI Growth Rate is 15.70% 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 ₱104.20 is trading 34.2% below its estimated GF Value™ of ₱158.44.
GuruFocus considers Bank of the Philippine Islands to be Possible Value Trap.
Key valuation signals for PHS:BPI:
3-Year EPS without NRI Growth Rate: 15.70% (89% above median its 10-year median of 8.30)
GF Value™: ₱158.44 vs. price of ₱104.20 (34.2% below fair value)
Industry Position: 116.6% above the Banks median (#431 of 1416)
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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3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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