Bank of the Philippine IslandsPHS:BPI +3.39%77 5-Year Yield-on-Cost % is 15.69 as of Jun. 28, 2026, which is 132% above its 10-year median of 6.77. 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. Among 1,252 Banks companies, Bank of the Philippine Islands ranks better than 92.65% on this metric.
The historical rank and industry rank for Bank of the Philippine Islands's 5-Year Yield-on-Cost % or its related term are showing as below:
PHS:BPI'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.6 Med: 6.77 Max: 15.69
Current: 15.69
During the past 13 years, Bank of the Philippine Islands's highest Yield on Cost was 15.69. The lowest was 4.60. And the median was 6.77.
PHS:BPI's 5-Year Yield-on-Cost % is ranked better than 92.65% of 1252
companies
in the Banks industry
Industry Median: 3.95
vs PHS:BPI: 15.69
Bank of the Philippine Islands (PHS:BPI) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Bank of the Philippine Islands 5-Year Yield-on-Cost % Related Terms
Bank of the Philippine Islands 5-Year Yield-on-Cost % Competitor Comparison
For the Banks - Regional subindustry, Bank of the Philippine Islands's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of the Philippine Islands's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Bank of the Philippine Islands's 5-Year Yield-on-Cost % falls into.
Bank of the Philippine Islands 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Bank of the Philippine Islands (PHS:BPI) has a 5-Year Yield-on-Cost % of 15.69 as of Jun. 28, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Bank of the Philippine Islands and its competitors. This is 132% above median its historical median of 6.77. Over the past decade, Bank of the Philippine Islands' 5-Year Yield-on-Cost % has ranged from 4.60 to 15.69. According to the industry distribution chart, Bank of the Philippine Islands ranks #92 out of 1252 companies in the Banks industry, placing it in the top 7.3%.
Is Bank of the Philippine Islands' 5-Year Yield-on-Cost % too high?
Bank of the Philippine Islands' current 5-Year Yield-on-Cost % of 15.69 is 132% above median its 10-year median of 6.77. Over the past 10 years, this metric has ranged from a low of 4.60 to a high of 15.69. The Banks industry median 5-Year Yield-on-Cost % is 3.95. Bank of the Philippine Islands' value of 15.69 is 297.2% above this industry median. Based on the distribution chart, Bank of the Philippine Islands ranks #92 out of 1252 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 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' 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, Bank of the Philippine Islands ranks #92 out of 1252 companies for 5-Year Yield-on-Cost %. This places Bank of the Philippine Islands in the top 7% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.95. Bank of the Philippine Islands' value of 15.69 is 297.2% above this benchmark. Historically, Bank of the Philippine Islands' own 5-Year Yield-on-Cost % has ranged from 4.60 to 15.69 over the past decade. While the company's 10-year median is 6.77 vs. the industry median of 3.95, 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.95, based on 1,252 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank of the Philippine Islands's current 5-Year Yield-on-Cost % of 15.69 is 297.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Bank of the Philippine Islands and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of the Philippine Islands's current 5-Year Yield-on-Cost % is 15.69, which is 132% above median its own 10-year median of 6.77. 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 5-Year Yield-on-Cost % is 15.69, which is 132% above median its 10-year median of 6.77 and 297.2% above the Banks industry median of 3.95. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Bank of the Philippine Islands (PHS:BPI), the current 5-Year Yield-on-Cost % is 15.69 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:
5-Year Yield-on-Cost %: 15.69 (132% above median its 10-year median of 6.77)
GF Value™: ₱157.31 vs. price of ₱97.50 (38% below fair value)
Industry Position: 297.2% above the Banks median (#92 of 1252)
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.
77GF Score
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5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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