The historical rank and industry rank for Bank of the Philippine Islands's Equity-to-Asset or its related term are showing as below:
PHS:BPI'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.12 Max: 0.14
Current: 0.13
During the past 13 years, the highest Equity to Asset Ratio of Bank of the Philippine Islands was 0.14. The lowest was 0.10. And the median was 0.12.
PHS:BPI's Equity-to-Asset is ranked better than 79.2% of 1529
companies
in the Banks industry
Industry Median: 0.1
vs PHS:BPI: 0.13
Bank of the Philippine Islands (PHS:BPI) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Bank of the Philippine Islands Equity-to-Asset Related Terms
Bank of the Philippine Islands Equity-to-Asset 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 Equity-to-Asset Chart
Bank of the Philippine Islands Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Bank of the Philippine Islands's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the Philippine Islands's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Bank of the Philippine Islands's Equity-to-Asset falls into.
Bank of the Philippine Islands Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
* 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 Equity-to-Asset of 0.13 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bank of the Philippine Islands and its competitors. This is near median its historical median of 0.12. Over the past decade, Bank of the Philippine Islands' Equity-to-Asset has ranged from 0.10 to 0.14. According to the industry distribution chart, Bank of the Philippine Islands ranks #318 out of 1529 companies in the Banks industry, placing it in the top 20.8%.
Is Bank of the Philippine Islands' Equity-to-Asset too high?
Bank of the Philippine Islands' current Equity-to-Asset of 0.13 is near median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. Bank of the Philippine Islands' value of 0.13 is 30% above this industry median. Based on the distribution chart, Bank of the Philippine Islands ranks #318 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Bank of the Philippine Islands ranks #318 out of 1529 companies for Equity-to-Asset. This places Bank of the Philippine Islands in the top 21% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Bank of the Philippine Islands' value of 0.13 is 30% above this benchmark. Historically, Bank of the Philippine Islands' own Equity-to-Asset has ranged from 0.10 to 0.14 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of the Philippine Islands's current Equity-to-Asset of 0.13 is 30% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Bank of the Philippine Islands and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the Philippine Islands's current Equity-to-Asset is 0.13, which is near median its own 10-year median of 0.12. 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 Equity-to-Asset is 0.13, which is near median its 10-year median of 0.12 and 30% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Bank of the Philippine Islands (PHS:BPI), the current Equity-to-Asset is 0.13 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:
Equity-to-Asset: 0.13 (near median its 10-year median of 0.12)
GF Value™: ₱158.22 vs. price of ₱103.00 (34.9% below fair value)
Industry Position: 30% above the Banks median (#318 of 1529)
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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