Bank of the Philippine Islands (FRA:XK5) Margin of Safety % (DCF Dividends Based): N/A (As of Sep. 08, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:XK5 Bank of the Philippine Islands FRA:XK5
80 GF Score
Price €29.64
GF Value €43.31
! 3 Warning Signs
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What is Bank of the Philippine Islands Margin of Safety % (DCF Dividends Based)?

Margin of Safety % (DCF Dividends Based) = (Intrinsic Value: DCF (Dividends Based) - Current Price) / Intrinsic Value: DCF (Dividends Based).

Note: Discounted Dividend model is only suitable for companies who have a consistant distribution history with more than 5 years. If the company's dividends does not remain steady over a long period, results may not be accurate due to the low consistency. The model is also only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, the data will not be stored into our database.

As of today (2026-09-08), Bank of the Philippine Islands's Predictability Rank is 4.5-Stars. Bank of the Philippine Islands's intrinsic value calculated from the Discounted Dividend model is €0.00 and current share price is €29.64. Consequently,

Bank of the Philippine Islands's Margin of Safety % (DCF Dividends Based) using Discounted Dividend model is N/A.

FRA:XK5 vs : Margin of Safety % (DCF Dividends Based) Comparison

For the Banks - Regional subindustry, Bank of the Philippine Islands's Margin of Safety % (DCF Dividends Based), along with its competitors' market caps and Margin of Safety % (DCF Dividends Based) 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 Margin of Safety % (DCF Dividends Based) vs Banks Industry

For the Banks industry and Financial Services sector, Bank of the Philippine Islands's Margin of Safety % (DCF Dividends Based) distribution charts can be found below:

* The bar in red indicates where Bank of the Philippine Islands's Margin of Safety % (DCF Dividends Based) falls into.


FRA:XK5
80GF Score
Bank of the Philippine Islands FRA:XK5
Margin of Safety % (DCF Dividends Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of the Philippine Islands Margin of Safety % (DCF Dividends Based) Calculation

Bank of the Philippine Islands's Margin of Safety % (DCF Dividends Based) for today is calculated as

Margin of Safety % (DCF Dividends Based)=(Intrinsic Value: DCF (Dividends Based)-Current Price)/Intrinsic Value: DCF (Dividends Based)
=(0.00-29.64)/0.00
=N/A

* 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.

The intrinsic value is calculated from the Discounted Dividend model with default parameters.

Is Bank of the Philippine Islands (FRA:XK5) Overvalued in 2026?

Based on GuruFocus' analysis, Bank of the Philippine Islands stock appears to be undervalued. The current stock price of €29.64 is trading 31.6% below its estimated GF Value™ of €43.31.

Key valuation signals for FRA:XK5:

  • Margin of Safety % (DCF Dividends Based): N/A
  • GF Value™: €43.31 vs. price of €29.64 (31.6% below fair value)
  • GF Score™: 80/100 with 3 warning signs

No single metric tells the full story. See the FRA:XK5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bank of the Philippine Islands Business Description

Comparable Companies
Other Exchanges BPHLY:USABPI:Philippines
Address Paseo de Roxas Corner Makati Avenue, 22nd Floor - 28th Floor, Tower 2, Ayala Triangle Gardens, Bel-Air, Makati City, PHL, 1226
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.
80GF Score

Get the complete analysis for FRA:XK5

Margin of Safety % (DCF Dividends Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€29.64
Price
€43.31
GF Value