Bank of the Philippine IslandsPHS:BPI 89 Return-on-Tangible-Asset is 1.85% as of Mar. 2026, which is 37% above its 10-year median of 1.35. GuruFocus rates PHS:BPI with a GF Score™ of 89/100 and a GF Value™ of ₱157.76 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, Bank of the Philippine Islands ranks better than 86.99% on this metric.
The historical rank and industry rank for Bank of the Philippine Islands's Return-on-Tangible-Asset or its related term are showing as below:
PHS:BPI'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.97 Med: 1.35 Max: 2.01
Current: 1.92
During the past 13 years, Bank of the Philippine Islands's highest Return-on-Tangible-Asset was 2.01%. The lowest was 0.97%. And the median was 1.35%.
PHS:BPI's Return-on-Tangible-Asset is ranked better than 86.99% of 1530
companies
in the Banks industry
Industry Median: 0.99
vs PHS:BPI: 1.92
Bank of the Philippine Islands (PHS:BPI) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Bank of the Philippine Islands Return-on-Tangible-Asset Related Terms
Bank of the Philippine Islands Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
Bank of the Philippine Islands Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Bank of the Philippine Islands's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the Philippine Islands's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Bank of the Philippine Islands's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.85% mean?
Bank of the Philippine Islands (PHS:BPI) has a Return-on-Tangible-Asset of 1.85% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bank of the Philippine Islands and its competitors. This is 37% above median its historical median of 1.35. Over the past decade, Bank of the Philippine Islands' Return-on-Tangible-Asset has ranged from 0.97 to 2.01. According to the industry distribution chart, Bank of the Philippine Islands ranks #199 out of 1530 companies in the Banks industry, placing it in the top 13%.
Is Bank of the Philippine Islands' Return-on-Tangible-Asset too high?
Bank of the Philippine Islands' current Return-on-Tangible-Asset of 1.85% is 37% above median its 10-year median of 1.35. Over the past 10 years, this metric has ranged from a low of 0.97 to a high of 2.01. The Banks industry median Return-on-Tangible-Asset is 0.99. Bank of the Philippine Islands' value of 1.85% is 86.9% above this industry median. Based on the distribution chart, Bank of the Philippine Islands ranks #199 out of 1530 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 89/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bank of the Philippine Islands' Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Bank of the Philippine Islands ranks #199 out of 1530 companies for Return-on-Tangible-Asset. This places Bank of the Philippine Islands in the top 13% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. Bank of the Philippine Islands' value of 1.85% is 86.9% above this benchmark. Historically, Bank of the Philippine Islands' own Return-on-Tangible-Asset has ranged from 0.97 to 2.01 over the past decade. While the company's 10-year median is 1.35 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of the Philippine Islands's current Return-on-Tangible-Asset of 1.85% is 86.9% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Bank of the Philippine Islands and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the Philippine Islands's current Return-on-Tangible-Asset is 1.85%, which is 37% above median its own 10-year median of 1.35. 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 ₱157.76, compared to a current price of ₱101.00 — trading 36% below its estimated fair value. The current Return-on-Tangible-Asset is 1.85%, which is 37% above median its 10-year median of 1.35 and 86.9% above the Banks industry median of 0.99. Bank of the Philippine Islands' overall GF Score™ is 89/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Bank of the Philippine Islands (PHS:BPI), the current Return-on-Tangible-Asset is 1.85% 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 ₱101.00 is trading 36% below its estimated GF Value™ of ₱157.76.
GuruFocus considers Bank of the Philippine Islands to be Possible Value Trap.
Key valuation signals for PHS:BPI:
Return-on-Tangible-Asset: 1.85% (37% above median its 10-year median of 1.35)
GF Value™: ₱157.76 vs. price of ₱101.00 (36% below fair value)
Industry Position: 86.9% above the Banks median (#199 of 1530)
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.
89GF Score
Get the complete analysis for PHS:BPI
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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