* 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 FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Bank of the Philippine Islands's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the Philippine Islands's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Bank of the Philippine Islands's FCF Margin % 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 (BPHLF) has a FCF Margin % of 105.25% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank of the Philippine Islands and its competitors. This is 4417% above median its historical median of 2.33. According to the industry distribution chart, Bank of the Philippine Islands ranks #1118 out of 1505 companies in the Banks industry, placing it in the top 74.3%.
Is Bank of the Philippine Islands' FCF Margin % too high?
Bank of the Philippine Islands' current FCF Margin % of 105.25% is 4417% above median its 10-year median of 2.33. The Banks industry median FCF Margin % is 26.42. Bank of the Philippine Islands' value of 105.25% is 298.4% above this industry median. Based on the distribution chart, Bank of the Philippine Islands ranks #1118 out of 1505 companies in the Banks industry, which is below the industry midpoint. Overall, Bank of the Philippine Islands has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Bank of the Philippine Islands' FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Bank of the Philippine Islands ranks #1118 out of 1505 companies for FCF Margin %. This places Bank of the Philippine Islands in the lower half of its industry. The industry median FCF Margin % is 26.42. Bank of the Philippine Islands' value of 105.25% is 298.4% above this benchmark. While the company's 10-year median is 2.33 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of the Philippine Islands's current FCF Margin % of 105.25% is 298.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Bank of the Philippine Islands and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the Philippine Islands's current FCF Margin % is 105.25%, which is 4417% above median its own 10-year median of 2.33. 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?
Bank of the Philippine Islands (BPHLF) has a current FCF Margin % of 105.25%. The stock's GF Value™ is $3.14, compared to a current price of $2.00 — trading 36.3% below its estimated fair value. The current FCF Margin % is 105.25%, which is 4417% above median its 10-year median of 2.33 and 298.4% above the Banks industry median of 26.42. Bank of the Philippine Islands' overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Bank of the Philippine Islands (BPHLF), the current FCF Margin % is 105.25% 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 (BPHLF) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of the Philippine Islands stock appears to be undervalued.
The current stock price of $2.00 is trading 36.3% below its estimated GF Value™ of $3.14.
Key valuation signals for BPHLF:
FCF Margin %: 105.25% (4417% above median its 10-year median of 2.33)
GF Value™: $3.14 vs. price of $2.00 (36.3% below fair value)
Industry Position: 298.4% above the Banks median (#1118 of 1505)
No single metric tells the full story. See the BPHLF 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.
78GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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