Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Bank of the Philippine Islands's 3-Year RORE % for the quarter that ended in Mar. 2026 was 7.35%.
BPHLY's 3-Year RORE % is ranked worse than 56.7% of 1471
companies
in the Banks industry
Industry Median: 9.89
vs BPHLY: 7.35
Bank of the Philippine Islands (OTCPK:BPHLY) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Bank of the Philippine Islands 3-Year RORE % Related Terms
Bank of the Philippine Islands 3-Year RORE % 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 3-Year RORE % Chart
Bank of the Philippine Islands 3-Year RORE % Competitor Comparison
For the Banks - Regional subindustry, Bank of the Philippine Islands's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the Philippine Islands's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Bank of the Philippine Islands's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Bank of the Philippine Islands (BPHLY) has a 3-Year RORE % of 7.35 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Bank of the Philippine Islands and its competitors. According to the industry distribution chart, Bank of the Philippine Islands ranks #834 out of 1471 companies in the Banks industry, placing it in the top 56.7%.
Is Bank of the Philippine Islands' 3-Year RORE % too high?
Bank of the Philippine Islands' current 3-Year RORE % is 7.35. The Banks industry median 3-Year RORE % is 9.89. Bank of the Philippine Islands' value of 7.35 is 25.7% below this industry median. Based on the distribution chart, Bank of the Philippine Islands ranks #834 out of 1471 companies in the Banks industry, which is below the industry midpoint. 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' 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, Bank of the Philippine Islands ranks #834 out of 1471 companies for 3-Year RORE %. This places Bank of the Philippine Islands in the lower half of its industry. The industry median 3-Year RORE % is 9.89. Bank of the Philippine Islands' value of 7.35 is 25.7% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.89, based on 1,471 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of the Philippine Islands's current 3-Year RORE % of 7.35 is 25.7% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Bank of the Philippine Islands and its competitors. For the Banks industry, the median 3-Year RORE % is 9.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the Philippine Islands's current 3-Year RORE % is 7.35. 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 (BPHLY) is currently considered Possible Value Trap. The stock's GF Value™ is $52.47, compared to a current price of $33.42 — trading 36.3% below its estimated fair value. The current 3-Year RORE % is 7.35 and 25.7% below the Banks industry median of 9.89. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Bank of the Philippine Islands (BPHLY), the current 3-Year RORE % is 7.35 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 (BPHLY) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of the Philippine Islands stock appears to be undervalued.
The current stock price of $33.42 is trading 36.3% below its estimated GF Value™ of $52.47.
GuruFocus considers Bank of the Philippine Islands to be Possible Value Trap.
Key valuation signals for BPHLY:
3-Year RORE %: 7.35
GF Value™: $52.47 vs. price of $33.42 (36.3% below fair value)
Industry Position: 25.7% below the Banks median (#834 of 1471)
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
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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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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