BPHLY (Bank of the Philippine Islands) LT-Debt-to-Total-Asset: 0.07 (As of Mar. 2026)

What is Bank of the Philippine Islands LT-Debt-to-Total-Asset?

Bank of the Philippine Islands BPHLY -2.58% 72 LT-Debt-to-Total-Asset is 0.07 as of Mar. 2026. GuruFocus rates BPHLY with a GF Score™ of 72/100 and a GF Value™ of $51.23 (Possible Value Trap). The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Bank of the Philippine Islands's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.07.

Bank of the Philippine Islands's long-term debt to total assets ratio increased from Mar. 2025 (0.05) to Mar. 2026 (0.07). It may suggest that Bank of the Philippine Islands is progressively becoming more dependent on debt to grow their business.

Bank of the Philippine Islands (OTCPK:BPHLY) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Bank of the Philippine Islands LT-Debt-to-Total-Asset Related Terms

Bank of the Philippine Islands LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Bank of the Philippine Islands's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Bank of the Philippine Islands Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.05

0.06

0.07

Bank of the Philippine Islands Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.05	0.07	0.06	0.07	0.07

72GF Score

Bank of the Philippine Islands BPHLY

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Bank of the Philippine Islands LT-Debt-to-Total-Asset Calculation

Bank of the Philippine Islands's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	3924.463	/	59442.38
	=	0.07

Bank of the Philippine Islands's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	4402.084	/	60310.932
	=	0.07

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.07 mean?

Bank of the Philippine Islands (BPHLY) has a LT-Debt-to-Total-Asset of 0.07 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bank of the Philippine Islands and its competitors.

Is Bank of the Philippine Islands' LT-Debt-to-Total-Asset too high?

Bank of the Philippine Islands' current LT-Debt-to-Total-Asset is 0.07. Overall, Bank of the Philippine Islands has a GF Score™ of 72/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.

How does Bank of the Philippine Islands' LT-Debt-to-Total-Asset compare to competitors?

Bank of the Philippine Islands' LT-Debt-to-Total-Asset of 0.07 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 LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bank of the Philippine Islands and its competitors. Bank of the Philippine Islands's current LT-Debt-to-Total-Asset is 0.07. 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 $51.23, compared to a current price of $32.81 — trading 36% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.07. Bank of the Philippine Islands' overall GF Score™ is 72/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Bank of the Philippine Islands (BPHLY), the current LT-Debt-to-Total-Asset is 0.07 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 (BPHLY) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of the Philippine Islands stock appears to be undervalued. The current stock price of $32.81 is trading 36% below its estimated GF Value™ of $51.23. GuruFocus considers Bank of the Philippine Islands to be Possible Value Trap.

Key valuation signals for BPHLY:

LT-Debt-to-Total-Asset: 0.07
GF Value™: $51.23 vs. price of $32.81 (36% below fair value)
GF Score™: 72/100 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

Industry Financial Services Banks

Comparable Companies PHS:BDO PHS:MBT PHS:CBC PHS:PTC PHS:PNB PHS:UBP PHS:AUB PHS:RCB PHS:SECB PHS:EW SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

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

Website https://www.bpi.com.ph

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.

72GF Score

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$32.81

Price

$51.23

GF Value

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