* 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 Effective Interest Rate on Debt % Chart
Bank of the Philippine Islands Effective Interest Rate on Debt % Competitor Comparison
For the Banks - Regional subindustry, Bank of the Philippine Islands's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on 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 Effective Interest Rate on Debt % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the Philippine Islands's Effective Interest Rate on Debt % distribution charts can be found below:
* The bar in red indicates where Bank of the Philippine Islands's Effective Interest Rate on 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.
In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data,
the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data.
Effective Interest Rate on Debt % is displayed in the 30-year financial page.
What does a Effective Interest Rate on Debt % of 28.01% mean?
Bank of the Philippine Islands (PHS:BPI) has a Effective Interest Rate on Debt % of 28.01% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bank of the Philippine Islands and its competitors.
Is Bank of the Philippine Islands' Effective Interest Rate on Debt % too high?
Bank of the Philippine Islands' current Effective Interest Rate on Debt % is 28.01%. 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' Effective Interest Rate on Debt % compare to competitors?
Bank of the Philippine Islands' Effective Interest Rate on Debt % of 28.01% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Bank of the Philippine Islands and its competitors. Bank of the Philippine Islands's current Effective Interest Rate on Debt % is 28.01%. 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 ₱158.22, compared to a current price of ₱103.00 — trading 34.9% below its estimated fair value. The current Effective Interest Rate on Debt % is 28.01%. 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 Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Bank of the Philippine Islands (PHS:BPI), the current Effective Interest Rate on Debt % is 28.01% 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 ₱103.00 is trading 34.9% below its estimated GF Value™ of ₱158.22.
GuruFocus considers Bank of the Philippine Islands to be Possible Value Trap.
Key valuation signals for PHS:BPI:
Effective Interest Rate on Debt %: 28.01%
GF Value™: ₱158.22 vs. price of ₱103.00 (34.9% below fair value)
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
Get the complete analysis for PHS:BPI
Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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