The historical rank and industry rank for Bank of the Philippine Islands's Pretax Margin % or its related term are showing as below:
PHS:BPI'
s Pretax Margin % Range Over the Past 10 Years
Min: 25.29 Med: 40.99 Max: 49.5
Current: 45.09
PHS:BPI's Pretax Margin % is ranked better than 74.46% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs PHS:BPI: 45.09
Bank of the Philippine Islands (PHS:BPI) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Bank of the Philippine Islands Pretax Margin % Related Terms
Bank of the Philippine Islands Pretax Margin % 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 Pretax Margin % Chart
Bank of the Philippine Islands Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Bank of the Philippine Islands's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the Philippine Islands's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Bank of the Philippine Islands's Pretax 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 (PHS:BPI) has a Pretax Margin % of 43.05% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bank of the Philippine Islands and its competitors. This is near median its historical median of 40.99. Over the past decade, Bank of the Philippine Islands' Pretax Margin % has ranged from 25.29 to 49.50. According to the industry distribution chart, Bank of the Philippine Islands ranks #390 out of 1527 companies in the Banks industry, placing it in the top 25.5%.
Is Bank of the Philippine Islands' Pretax Margin % too high?
Bank of the Philippine Islands' current Pretax Margin % of 43.05% is near median its 10-year median of 40.99. Over the past 10 years, this metric has ranged from a low of 25.29 to a high of 49.50. The Banks industry median Pretax Margin % is 34.88. Bank of the Philippine Islands' value of 43.05% is 23.4% above this industry median. Based on the distribution chart, Bank of the Philippine Islands ranks #390 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Bank of the Philippine Islands has a GF Score™ of 73/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bank of the Philippine Islands' Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Bank of the Philippine Islands ranks #390 out of 1527 companies for Pretax Margin %. This puts Bank of the Philippine Islands in the upper half of its industry. The industry median Pretax Margin % is 34.88. Bank of the Philippine Islands' value of 43.05% is 23.4% above this benchmark. Historically, Bank of the Philippine Islands' own Pretax Margin % has ranged from 25.29 to 49.50 over the past decade. While the company's 10-year median is 40.99 vs. the industry median of 34.88, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax 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 Pretax Margin % of 43.05% is 23.4% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bank of the Philippine Islands and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the Philippine Islands's current Pretax Margin % is 43.05%, which is near median its own 10-year median of 40.99. 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 ₱157.31, compared to a current price of ₱97.50 — trading 38% below its estimated fair value. The current Pretax Margin % is 43.05%, which is near median its 10-year median of 40.99 and 23.4% above the Banks industry median of 34.88. Bank of the Philippine Islands' overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Bank of the Philippine Islands (PHS:BPI), the current Pretax Margin % is 43.05% 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 ₱97.50 is trading 38% below its estimated GF Value™ of ₱157.31.
GuruFocus considers Bank of the Philippine Islands to be Possible Value Trap.
Key valuation signals for PHS:BPI:
Pretax Margin %: 43.05% (near median its 10-year median of 40.99)
GF Value™: ₱157.31 vs. price of ₱97.50 (38% below fair value)
Industry Position: 23.4% above the Banks median (#390 of 1527)
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.
73GF Score
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