Bank of the Philippine Islands (PHS:BPI) GF Value Rank: 8 (As of Jun. 28, 2026) — 33% Above Median


PHS:BPI Bank of the Philippine Islands PHS:BPI
77 GF Score
Price ₱97.50
GF Value ₱157.31
Valuation Possible Value Trap
! 3 Warning Signs
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What is Bank of the Philippine Islands GF Value Rank?

Bank of the Philippine Islands PHS:BPI +3.39% 77 GF Value Rank is 8 as of Jun. 28, 2026, which is 33% above its 10-year median of 6.00. GuruFocus rates PHS:BPI with a GF Score™ of 77/100 and a GF Value™ of ₱157.31 (Possible Value Trap). The stock has 3 warning signs investors should review.

Bank of the Philippine Islands has the GF Value Rank of 8.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Bank of the Philippine Islands GF Value Rank Related Terms

Bank of the Philippine Islands GF Value Rank Competitor Comparison

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

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

* The bar in red indicates where Bank of the Philippine Islands's GF Value Rank falls into.


PHS:BPI
77GF Score
Bank of the Philippine Islands PHS:BPI
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 8 mean?
Bank of the Philippine Islands (PHS:BPI) has a GF Value Rank of 8 as of Jun. 28, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Bank of the Philippine Islands and its competitors. This is 33% above median its historical median of 6.00. Over the past decade, Bank of the Philippine Islands' GF Value Rank has ranged from 1.00 to 10.00.
Is Bank of the Philippine Islands' GF Value Rank too high?
Bank of the Philippine Islands' current GF Value Rank of 8 is 33% above median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 10.00. Overall, Bank of the Philippine Islands has a GF Score™ of 77/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bank of the Philippine Islands' GF Value Rank compare to competitors?
Bank of the Philippine Islands' GF Value Rank of 8 can be compared against companies in the Banks industry. Historically, Bank of the Philippine Islands' own GF Value Rank has ranged from 1.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for a Banks company?
A good GF Value Rank depends on the Banks industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on Bank of the Philippine Islands and its competitors. Bank of the Philippine Islands's current GF Value Rank is 8, which is 33% above median its own 10-year median of 6.00. 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 GF Value Rank is 8, which is 33% above median its 10-year median of 6.00. Bank of the Philippine Islands' overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For Bank of the Philippine Islands (PHS:BPI), the current GF Value Rank is 8 as of Jun. 28, 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:

  • GF Value Rank: 8 (33% above median its 10-year median of 6.00)
  • GF Value™: ₱157.31 vs. price of ₱97.50 (38% below fair value)
  • GF Score™: 77/100 with 3 warning signs

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

Other Exchanges BPHLY:USA
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.
77GF Score

Get the complete analysis for PHS:BPI

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

₱97.50
Price
₱157.31
GF Value