Need an investment idea? Check out S2O Stock Screener. It allows to generate a list of stocks of a particular interest in a matter of seconds!

Market Price

39.52 

0.00 0.0%

as of Jan 25 '23

52 Week Range:

28.97 40.58


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Bank of the Philippine Islands, together with its subsidiaries, provides various financial products and services to retail and corporate clients in the Philippines. It operates through Consumer Banking, Corporate Banking, and Investment Banking segments. The Consumer Banking segment offers deposit taking and servicing; and consumer lending, such as home mortgages, auto loans, and credit card finance, as well as remittance services to individual and retail markets. The Corporate Banking segment provides deposit taking and servicing, loan facilities, trade, and cash management to corporate and institutional customers, such as high-end corporations and middle market clients. The Investment Banking segment offers corporate finance, securities distribution, asset management, trust, and fiduciary services, as well as proprietary trading and investment activities. The company also provides financing, securities dealer, investment management, land holding, operations management, business systems, foreign exchange, real estate, pre-need, non-life insurance, leasing, and rental services. As of December 31, 2021, it operated 1,176 branches, and 2,457 automated teller machines and cash accept machines. The company also serves its customers through alternative electronic banking channels, such as telephone, mobile phone, and the internet. Bank of the Philippine Islands was founded in 1851 and is based in Makati City, the Philippines.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Equity (BVPS) 12.82
15.20
15.86
23.40
26.15
25.17
growth rate 18.6% 4.3% 10.2% 11.8% -3.8%
Earnings BIT 359.92
436.41
516.25
growth rate 21.3% 18.3%
Avg.PE 17.18
19.62
388.77
17.22
17.22
17.22
17.22
17.22
19.62
growth rate 14.2% 1,881.5% -95.6% 0.0% 0.0% 0.0% 0.0% 13.9%
ROA 1.49
1.78
1.73
1.36
1.23
1.36
1.24
1.16
1.34
0.96
1.03
growth rate 19.5% -2.8% -21.4% -9.6% 10.6% -8.8% -6.5% 15.5% -28.4% 7.3%
ROE 15.07
17.49
18.66
14.51
12.39
13.98
12.96
10.75
11.12
7.79
8.34
growth rate 16.1% 6.7% -22.2% -14.6% 12.8% -7.3% -17.1% 3.4% -30.0% 7.1%
ROIC 27.22
28.91
26.65
21.57
growth rate 6.2% -7.8% -19.1%
Leverage 9.45
10.15
11.44
10.07
10.09
10.45
10.54
8.39
8.18
7.98
8.26
growth rate 7.4% 12.7% -12.0% 0.2% 3.6% 0.9% -20.4% -2.5% -2.4% 3.5%
Balance Sheet Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Acct.Receivable 4,331.00
1,750.00
3,787.00
2,594.00
2,832.00
3,939.00
3,301.00
3,105.00
3,393.00
3,643.00
growth rate -59.6% 116.4% -31.5% 9.2% 39.1% -16.2% -5.9% 9.3% 7.4%
Acct.Payable 806,540.00
992,924.00
1,181,903.00
1,281,373.00
1,437,424.00
1,568,831.00
1,594,989.00
1,701,598.00
1,723,943.00
1,962,478.00
growth rate 23.1% 19.0% 8.4% 12.2% 9.1% 1.7% 6.7% 1.3% 13.8%
Cur.Assets 233,657.00
336,049.00
341,868.00
309,992.00
345,490.00
351,716.00
347,649.00
344,962.00
385,212.00
404,435.00
growth rate 43.8% 1.7% -9.3% 11.5% 1.8% -1.2% -0.8% 11.7% 5.0%
Total Assets 18,811.50
985,241.00
1,195,364.00
1,450,197.00
1,516,356.00
1,725,696.00
1,903,905.00
2,085,228.00
2,205,030.00
2,233,443.00
2,421,915.00
growth rate 5,137.4% 21.3% 21.3% 4.6% 13.8% 10.3% 9.5% 5.8% 1.3% 8.4%
Cash 88,829.00
171,496.00
95,687.00
98,109.00
100,411.00
88,620.00
99,074.00
120,477.00
175,890.00
190,194.00
growth rate 93.1% -44.2% 2.5% 2.4% -11.7% 11.8% 21.6% 46.0% 8.1%
Inventory 6,887.00
5,852.00
5,018.00
4,385.00
3,667.00
3,578.00
3,363.00
3,155.00
2,971.00
3,282.00
growth rate -15.0% -14.3% -12.6% -16.4% -2.4% -6.0% -6.2% -5.8% 10.5%
Cur.Liabilities 863,340.00
1,065,915.00
1,275,208.00
1,335,162.00
1,506,775.00
1,672,289.00
1,738,230.00
1,795,579.00
1,821,168.00
2,046,617.00
growth rate 23.5% 19.6% 4.7% 12.9% 11.0% 3.9% 3.3% 1.4% 12.4%
Liabilities 16,872.76
887,119.00
1,089,557.00
1,303,518.00
1,363,626.00
1,558,012.00
1,720,354.00
1,833,690.00
1,931,996.00
1,951,486.00
2,126,759.00
growth rate 5,157.7% 22.8% 19.6% 4.6% 14.3% 10.4% 6.6% 5.4% 1.0% 9.0%
LT Debt 38.29
6,390.00
866.00
4,517.00
4,827.00
27,705.00
19,846.00
67,520.00
102,546.00
93,992.00
46,778.00
growth rate 16,588.8% -86.5% 421.6% 6.9% 474.0% -28.4% 240.2% 51.9% -8.3% -50.2%
Equity 1,969.45
2,188.12
2,359.50
144,063.00
150,284.00
165,134.00
180,688.00
248,521.00
269,577.00
279,835.00
293,060.00
growth rate 11.1% 7.8% 6,005.7% 4.3% 9.9% 9.4% 37.5% 8.5% 3.8% 4.7%
Common Shares 186.00
186.00
186.00
201.00
202.00
197.00
197.00
44,961.00
44,999.00
45,045.00
45,131.00
growth rate 0.0% 0.0% 8.1% 0.5% -2.5% 0.0% 22,722.8% 0.1% 0.1% 0.2%
Cash Flow Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Capital Expenditures 72.41
2,748.00
2,557.00
3,434.00
1,503.00
4,109.00
4,191.00
5,048.00
13,400.00
768.00
4,806.00
growth rate 3,695.2% -7.0% 34.3% -56.2% 173.4% 2.0% 20.5% 165.5% -94.3% 525.8%
Cash Dividends 71.38
253.77
71.38
6,739.00
7,078.00
7,082.00
7,089.00
7,598.00
12,167.00
8,124.00
8,124.00
growth rate 255.5% -71.9% 9,340.7% 5.0% 0.1% 0.1% 7.2% 60.1% -33.2% 0.0%
Cash From OA 1,453.05
2,794.97
-159,849.00
-42,459.00
-151,096.00
-123,830.00
-128,096.00
-76,246.00
68,427.00
-32,496.00
growth rate 92.4% -100.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0% -100.0%
FCF per Share 19.67
0.91
7.66
1.34
5.77
8.72
growth rate -95.4% 741.8% -35.3% 330.6% 51.1%
FCF -46,968.00
61,434.00
122,778.00
24,344.00
55,525.00
396.00
2,879.00
-109,598.00
18,481.00
88,486.00
201,674.00
growth rate 100.0% 99.9% -80.2% 128.1% -99.3% 627.0% -100.0% 100.0% 378.8% 127.9%
Income Statement Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21
Sales 883.24
47,177.00
52,847.00
56,011.00
58,538.00
65,226.00
67,225.00
71,901.00
86,700.00
73,923.00
84,270.00
growth rate 5,241.4% 12.0% 6.0% 4.5% 11.4% 3.1% 7.0% 20.6% -14.7% 14.0%
Op.Income 362.40
16,502.00
18,994.00
23,437.00
23,910.00
27,322.00
29,290.00
30,311.00
38,905.00
26,199.00
33,910.00
growth rate 4,453.6% 15.1% 23.4% 2.0% 14.3% 7.2% 3.5% 28.4% -32.7% 29.4%
IBT 23,020.00
23,513.00
26,810.00
28,692.00
29,816.00
38,356.00
25,769.00
33,537.00
growth rate 2.1% 14.0% 7.0% 3.9% 28.6% -32.8% 30.1%
Net Income 287.65
16,502.00
18,994.00
18,039.00
18,234.00
22,050.00
22,416.00
23,078.00
28,803.00
21,409.00
23,880.00
growth rate 5,636.9% 15.1% -5.0% 1.1% 20.9% 1.7% 3.0% 24.8% -25.7% 11.5%
EPS 69.28
87.78
100.94
89.86
90.25
112.00
113.80
106.80
127.80
94.80
105.80
growth rate 26.7% 15.0% -11.0% 0.4% 24.1% 1.6% -6.2% 19.7% -25.8% 11.6%
Gross Profit 47,177.00
52,847.00
56,011.00
58,538.00
65,226.00
67,225.00
71,901.00
86,700.00
73,923.00
84,270.00
growth rate 12.0% 6.0% 4.5% 11.4% 3.1% 7.0% 20.6% -14.7% 14.0%

Quarterly Statements

Item Name Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Balance Sheet
Acct.Receivable 253,656.37
312,685.69
3,643.00
230,233.96
229,728.89
growth rate 23.3% -98.8% 6,219.9% -0.2%
Acct.Payable 1,684,404.08
1,796,966.34
1,962,478.00
1,891,096.17
1,992,937.23
growth rate 6.7% 9.2% -3.6% 5.4%
Cur.Assets 347,331.93
395,686.31
404,435.00
294,640.30
292,357.87
growth rate 13.9% 2.2% -27.2% -0.8%
Total Assets 2,178,640.24
2,260,386.71
2,421,915.00
2,378,242.66
2,464,346.92
growth rate 3.8% 7.2% -1.8% 3.6%
Cash 29,811.72
28,549.04
190,194.00
29,149.63
27,029.57
growth rate -4.2% 566.2% -84.7% -7.3%
Inventory 3,096.05
3,153.99
3,282.00
3,416.45
3,572.37
growth rate 1.9% 4.1% 4.1% 4.6%
Cur.Liabilities 1,704,437.70
1,817,511.66
2,046,617.00
1,913,264.78
2,021,041.98
growth rate 6.6% 12.6% -6.5% 5.6%
Liabilities 1,890,588.76
1,966,512.47
2,126,759.00
2,076,113.17
2,158,101.07
growth rate 4.0% 8.2% -2.4% 4.0%
LT Debt 131,376.88
93,739.76
46,778.00
108,296.44
80,177.97
growth rate -28.7% -50.1% 131.5% -26.0%
Equity 285,847.93
291,806.75
293,060.00
299,976.26
304,075.02
growth rate 2.1% 0.4% 2.4% 1.4%
Common Shares 45,131.28
45,131.28
45,131.00
49,193.08
49,193.08
growth rate 0.0% 0.0% 9.0% 0.0%
Cash Flow Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Capital Expenditures 760.00
989.00
2,242.00
578.00
445.00
growth rate 30.1% 126.7% -74.2% -23.0%
Cash Dividends 4,062.00
4,062.00
4,062.00
4,784.00
4,784.00
growth rate 0.0% 0.0% 17.8% 0.0%
Cash From OA -125.00
-17,985.00
-51,460.00
19,323.00
-71,837.00
growth rate 0.0% 0.0% 100.0% -100.0%
FCF -885.00
-18,974.00
-53,702.00
18,745.00
-72,282.00
growth rate 0.0% 0.0% 100.0% -100.0%
Income Statement Jun '21 Sep '21 Dec '21 Mar '22 Jun '22
Sales 20,909.98
19,755.38
22,899.07
22,859.86
29,781.43
growth rate -5.5% 15.9% -0.2% 30.3%
Op.Income 8,633.07
7,362.65
9,028.51
10,274.38
16,518.19
growth rate -14.7% 22.6% 13.8% 60.8%
IBT 8,633.07
7,362.65
8,655.51
10,274.38
16,518.19
growth rate -14.7% 17.6% 18.7% 60.8%
Net Income 6,816.13
5,657.79
6,405.13
7,983.58
12,463.47
growth rate -17.0% 13.2% 24.6% 56.1%
EPS
growth rate
Gross Profit 20,909.98
19,755.38
22,899.07
22,859.86
29,781.43
growth rate -5.5% 15.9% -0.2% 30.3%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

C (51.34)

YOY Growth Grade:

C (50.71)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 19.14 21.25
EPS / Growth 1.86

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 28.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 28.2% 28.2% 28.2%
Future PE 0.01 12.76 25.18
Future EPS 22.30 22.30 22.30
Value Price
MOS %
0.06
-99.9%
70.37
78.1%
138.84
251.3%
MOS Price 0.03 35.18 69.42
IRT 6.99 6.99 6.99

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.