Bank of the Philippine Islands

BPHLYOTCFinancial Services● Active

$30.91

+$0.01(+0.05%)

Market Cap$409210015

P/E Ratio—

52W High$50.5

52W Low$27

Avg Volume3K

Open$31.20

Beta0.35

Overview

Bank of the Philippine Islands (BPHLY) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

BPHLY · cash on hand · updated Dec 31, 2025

Core cash position

as of Dec 31, 2025

Cash & Short-Term Investments (CCE + ST Investments)

$199.27B▼ -30.6% vs prior year

FY · as of Dec 31, 2025 · Reported in PHP

Cash & Cash Equiv. (CCE)

$159.28B

cashAndCashEquivalents

Short-Term Investments

$39.99B

shortTermInvestments

YoY Change vs Prior Year

-30.6%

vs prior fiscal year

Latest Quarter

$192.72B

Q1 2026

Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in PHP

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash vs Debt · Balance Sheet Health

Cash & ST Investments$199.27BCash on Hand

Total Debt$236.45BTotal Debt

Net Cash / Net Debt−$37.18BNet Debt Position

Cash vs Debt Ratio

Cash 46%Bank of the Philippine Islands cash as % of market cap: 48696.52%% · MCap $0BDebt 54%

Bank of the Philippine Islands carries a net debt position of $37.18B. Total debt ($236.45B) exceeds cash on hand ($199.27B). Bank of the Philippine Islands cash vs debt ratio: 46% cash / 54% debt.

Net Cash = Cash & ST Investments − Total Debt$199.27B − $236.45B = −$37.18B

Cash on hand history

annual cash on hand trend · Cash & Short-Term Investments

YoY Increase

YoY Decrease

Latest Year

BPHLY annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

BPHLY cash & short-term investments history

DatePeriodCash & ST InvestmentsYoY Change

Dec 31, 2025LatestFY$199.27B-30.6%

Dec 31, 2024FY$287.30B+5.8%

Dec 31, 2023FY$271.58B+1.1%

Dec 31, 2022FY$268.50B-20.9%

Dec 31, 2021FY$339.30B+12.3%

BPHLY cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

BPHLY vs peers · cash on hand

#CompanyCash & ST Inv.Market CapCash/MCapRelative

Berkshire Hathaway Inc.

BRK-B

$373.31B$1.1T35.5%

25%

Bank of the Philippine IslandsYOU

BPHLY

$199.27B$409M48696.5%

13%

Visa Inc.

$21.99B$613B3.6%

Mastercard Incorporated

$10.90B$429B2.5%

Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

Bank of the Philippine Islands (BPHLY) cash on hand as of December 31, 2025 is $199.27B, comprising $159.28B in cash and cash equivalents (CCE) plus $39.99B in short-term investments — reported as Bank of the Philippine Islands cash and short-term investments on the balance sheet (10-K filing). Also referred to as Bank of the Philippine Islands cash reserves or cash position.

Bank of the Philippine Islands annual cash on hand history shows decreased -30.6% in 2025: decreased -30.6% in 2025. Bank of the Philippine Islands cash reserves in 2025 reflect the company's capital allocation strategy.

Bank of the Philippine Islands carries total debt of $236.45B against cash of $199.27B, resulting in a net debt position of -$37.18B. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.

Financial statements Free cash flow Net income Revenue Market cap P/E ratio Earnings Price history

Frequently asked questions

BPHLY cash on hand · 5 questions

As of December 31, 2025, Bank of the Philippine Islands (BPHLY) has $199.27B in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $159.28B in cash and cash equivalents (CCE) plus $39.99B in short-term investments. Latest quarter (March 31, 2026): $192.72B. Data sourced from the annual 10-K filing via FMP.

BPHLY cash on handBPHLY cash reservesBPHLY cash 2025how much cash does BPHLY have

▸ Source: FMP /balance-sheet-statement · US GAAP · Bank of the Philippine Islands · Bank of the Philippine Islands SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025