Bank of the Philippine Islands (PHS:BPI) Scaled Net Operating Assets: 0.14 (As of Mar. 2026)


PHS:BPI Bank of the Philippine Islands PHS:BPI
73 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 Scaled Net Operating Assets?

Bank of the Philippine Islands PHS:BPI +3.39% 73 Scaled Net Operating Assets is 0.14 as of Mar. 2026. GuruFocus rates PHS:BPI with a GF Score™ of 73/100 and a GF Value™ of ₱157.31 (Possible Value Trap). The stock has 3 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bank of the Philippine Islands's operating assets for the quarter that ended in Mar. 2026 was ₱3,471,751 Mil. Bank of the Philippine Islands's operating liabilities for the quarter that ended in Mar. 2026 was ₱2,952,623 Mil. Bank of the Philippine Islands's Total Assets for the quarter that ended in Dec. 2025 was ₱3,651,488 Mil. Therefore, Bank of the Philippine Islands's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.14.

PHS:BPI
73GF Score
Bank of the Philippine Islands PHS:BPI
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank of the Philippine Islands Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Bank of the Philippine Islands's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(3452970-2931542)/3318813
=0.16

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3651488 - 198518
=3452970

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3172618 - 241076 - 0
=2931542

Bank of the Philippine Islands's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3471750.777-2952622.574)/3651488
=0.14

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=3704842.271 - 233091.494
=3471750.777

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3223038.33 - 270415.756 - 0
=2952622.574

* 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.

What does a Scaled Net Operating Assets of 0.14 mean?
Bank of the Philippine Islands (PHS:BPI) has a Scaled Net Operating Assets of 0.14 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Bank of the Philippine Islands and its competitors.
Is Bank of the Philippine Islands' Scaled Net Operating Assets too high?
Bank of the Philippine Islands' current Scaled Net Operating Assets is 0.14. 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' Scaled Net Operating Assets compare to competitors?
Bank of the Philippine Islands' Scaled Net Operating Assets of 0.14 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Bank of the Philippine Islands and its competitors. Bank of the Philippine Islands's current Scaled Net Operating Assets is 0.14. 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 Scaled Net Operating Assets is 0.14. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Bank of the Philippine Islands (PHS:BPI), the current Scaled Net Operating Assets is 0.14 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:

  • Scaled Net Operating Assets: 0.14
  • GF Value™: ₱157.31 vs. price of ₱97.50 (38% below fair value)
  • GF Score™: 73/100 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.
73GF Score

Get the complete analysis for PHS:BPI

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

₱97.50
Price
₱157.31
GF Value