BPHLY (Bank of the Philippine Islands) Moat Score: 6/10 (As of Jul. 02, 2026)


BPHLY Bank of the Philippine Islands BPHLY
72 GF Score
Price $33.68
GF Value $53.88
Valuation Possible Value Trap
! 3 Warning Signs
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What is Bank of the Philippine Islands Moat Score?

Bank of the Philippine Islands BPHLY +6.75% 72 Moat Score is 6 as of Jul. 02, 2026. GuruFocus rates BPHLY with a GF Score™ of 72/100 and a GF Value™ of $53.88 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,612 Banks companies, Bank of the Philippine Islands ranks better than 97.83% on this metric.

Bank of the Philippine Islands has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Bank of the Philippine Islands has Narrow Moat: Bank of the Philippine Islands has a strong narrow moat with a leading market position in the Philippines, significant customer loyalty, and robust brand strength. It benefits from economies of scale and regulatory barriers, but lacks the global reach and network effects for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bank of the Philippine Islands might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Bank of the Philippine Islands  (OTCPK:BPHLY) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bank of the Philippine Islands Moat Score Related Terms

Bank of the Philippine Islands Moat Score Competitor Comparison

For the Banks - Regional subindustry, Bank of the Philippine Islands's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Bank of the Philippine Islands's Moat Score distribution charts can be found below:

* The bar in red indicates where Bank of the Philippine Islands's Moat Score falls into.


BPHLY
72GF Score
Bank of the Philippine Islands BPHLY
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Bank of the Philippine Islands (BPHLY) has a Moat Score of 6 as of Jul. 02, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Bank of the Philippine Islands ranks #35 out of 1612 companies in the Banks industry, placing it in the top 2.2%.
Is Bank of the Philippine Islands' Moat Score too high?
Bank of the Philippine Islands' current Moat Score is 6. Based on the distribution chart, Bank of the Philippine Islands ranks #35 out of 1612 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 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' Moat Score compare to competitors?
According to the Banks industry distribution chart, Bank of the Philippine Islands ranks #35 out of 1612 companies for Moat Score. This places Bank of the Philippine Islands in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Bank of the Philippine Islands's current Moat Score is 6. 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 $53.88, compared to a current price of $33.68 — trading 37.5% below its estimated fair value. The current Moat Score is 6. 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 Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Bank of the Philippine Islands (BPHLY), the current Moat Score is 6 as of Jul. 02, 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 $33.68 is trading 37.5% below its estimated GF Value™ of $53.88. GuruFocus considers Bank of the Philippine Islands to be Possible Value Trap.

Key valuation signals for BPHLY:

  • Moat Score: 6
  • GF Value™: $53.88 vs. price of $33.68 (37.5% 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

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
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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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.68
Price
$53.88
GF Value