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Bank of the Philippine IslandsPHS:BPI -2.57%83 Price-to-Tangible-Book is 1.15 as of Jul. 31, 2026, which is 24% below its 10-year median of 1.52. GuruFocus rates PHS:BPI with a GF Score™ of 83/100 and a GF Value™ of ₱159.35 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,503 Banks companies, Bank of the Philippine Islands ranks better than 50.37% on this metric.
The historical rank and industry rank for Bank of the Philippine Islands's Price-to-Tangible-Book or its related term are showing as below:
PHS:BPI'
s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.02 Med: 1.52 Max: 2.5
Current: 1.15
During the past 13 years, Bank of the Philippine Islands's highest Price to Tangible Book Ratio was 2.50. The lowest was 1.02. And the median was 1.52.
PHS:BPI's Price-to-Tangible-Book is ranked better than 50.37% of 1503
companies
in the Banks industry
Industry Median: 1.18
vs PHS:BPI: 1.15
Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Bank of the Philippine Islands Price-to-Tangible-Book Related Terms
Bank of the Philippine Islands Price-to-Tangible-Book 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 Price-to-Tangible-Book Chart
Bank of the Philippine Islands Price-to-Tangible-Book Competitor Comparison
For the Banks - Regional subindustry, Bank of the Philippine Islands's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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 Price-to-Tangible-Book vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the Philippine Islands's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Bank of the Philippine Islands's Price-to-Tangible-Book 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Bank of the Philippine Islands (PHS:BPI) has a Price-to-Tangible-Book of 1.15 as of Jul. 31, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Bank of the Philippine Islands and its competitors. This is 24% below median its historical median of 1.52. Over the past decade, Bank of the Philippine Islands' Price-to-Tangible-Book has ranged from 1.02 to 2.50. According to the industry distribution chart, Bank of the Philippine Islands ranks #746 out of 1503 companies in the Banks industry, placing it in the top 49.6%.
Is Bank of the Philippine Islands' Price-to-Tangible-Book too high?
Bank of the Philippine Islands' current Price-to-Tangible-Book of 1.15 is 24% below median its 10-year median of 1.52. Over the past 10 years, this metric has ranged from a low of 1.02 to a high of 2.50. The Banks industry median Price-to-Tangible-Book is 1.18. Bank of the Philippine Islands' value of 1.15 is 2.5% below this industry median. Based on the distribution chart, Bank of the Philippine Islands ranks #746 out of 1503 companies in the Banks industry, which is above the industry midpoint. Overall, Bank of the Philippine Islands has a GF Score™ of 83/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bank of the Philippine Islands' Price-to-Tangible-Book compare to competitors?
According to the Banks industry distribution chart, Bank of the Philippine Islands ranks #746 out of 1503 companies for Price-to-Tangible-Book. This puts Bank of the Philippine Islands in the upper half of its industry. The industry median Price-to-Tangible-Book is 1.18. Bank of the Philippine Islands' value of 1.15 is 2.5% below this benchmark. Historically, Bank of the Philippine Islands' own Price-to-Tangible-Book has ranged from 1.02 to 2.50 over the past decade. While the company's 10-year median is 1.52 vs. the industry median of 1.18, Bank of the Philippine Islands has consistently been below 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 Price-to-Tangible-Book for a Banks company?
The median Price-to-Tangible-Book among Banks companies is 1.18, based on 1,503 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of the Philippine Islands's current Price-to-Tangible-Book of 1.15 is 2.5% below 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Bank of the Philippine Islands and its competitors. For the Banks industry, the median Price-to-Tangible-Book is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the Philippine Islands's current Price-to-Tangible-Book is 1.15, which is 24% below median its own 10-year median of 1.52. 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 ₱159.35, compared to a current price of ₱102.50 — trading 35.7% below its estimated fair value. The current Price-to-Tangible-Book is 1.15, which is 24% below median its 10-year median of 1.52 and 2.5% below the Banks industry median of 1.18. Bank of the Philippine Islands' overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Bank of the Philippine Islands (PHS:BPI), the current Price-to-Tangible-Book is 1.15 as of Jul. 31, 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 ₱102.50 is trading 35.7% below its estimated GF Value™ of ₱159.35.
GuruFocus considers Bank of the Philippine Islands to be Possible Value Trap.
Key valuation signals for PHS:BPI:
Price-to-Tangible-Book: 1.15 (24% below median its 10-year median of 1.52)
GF Value™: ₱159.35 vs. price of ₱102.50 (35.7% below fair value)
Industry Position: 2.5% below the Banks median (#746 of 1503)
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 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.
83GF Score
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Price-to-Tangible-Book is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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