Bank of the Philippine Islands

BPHLFOTCFinancial Services● Active

$2.00

+$0.00(+0.00%)

Market Cap$10.6B

P/E Ratio—

52W High$2.55

52W Low$1.62

Avg Volume693.528

Open$2.00

Beta0.35

Free Cash Flow Financials Revenue

Bank of the Philippine Islands (BPHLF) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

BPHLF · free cash flow · updated Jun 8, 2026

Core FCF metrics

BPHLF · FCF · TTM · margin & CAGR

Free cash flow was $72.08B for FY2025 (fiscal year ending 2025-12-31), up 380.8% year-over-year Five-year CAGR stands at -55.7%.

FY2025 Free Cash Flow$72.08B▲ +380.8% YoY

Trailing 12M (TTM)$14.84Btrailing 4 quarters sum

FCF Margin> 999%$72.08B ÷ revenue

3-Year CAGRN/AN/A — contains negative FCF

5-Year CAGR-55.7%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 8, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

BPHLF · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$78.35B(6.28B)$72.08B▲ +380.8%—

FY2024−$22.25B(3.42B)−$25.67B▼ 100.7%-11.0%

FY2023$4.05T(265.12B)$3.78T▲ +252.6%—

FY2022−$2.39T(91.17B)−$2.48T▼ 124.2%—

FY2021$10.53T(285.21B)$10.24T▲ +141.8%—

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

BPHLF · P/FCF · FCF yield · FCF per share

Bank of the Philippine Islands (BPHLF) trades at a FCF yield of 2.27% and a price-to-free-cash-flow ratio of 0.7x. FCF per share stands at $2.81, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

2.27%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$2.81

TTM FCF ÷ Shares Outstanding

Price / FCF

x0.7

Share Price ÷ FCF per Share

EV / FCF (TTM)

x49.4

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

BPHLF · cash flow statement · operating / investing / financing

For FY2025, Bank of the Philippine Islands generated $78.35B in operating cash flow and spent 6.28B in capital expenditures, yielding $72.08B in free cash flow.

Operating Activities

+$78.35B

Cash from core business operations

2025-12-31

Investing Activities

−$424.66B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$257.84B

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($78.35B) − |CapEx| (6.28B) = FCF ($72.08B)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

BPHLF vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Bank of the Philippine IslandsYOU

BPHLF

$72.08B+380.8%1602.6%

71%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Bank of the Philippine Islands (BPHLF) reported free cash flow of $72.08B for FY2025 (fiscal year ending 2025-12-31), up 380.8% year-over-year.

Based on available data, Bank of the Philippine Islands has maintained positive free cash flow for at least 10 fiscal year(s). FCF peaked at $10.24T in FY2021. The 5-year CAGR stands at -55.7%.

Bank of the Philippine Islands's FCF yield is 2.27% and price-to-FCF ratio is 0.7x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

BPHLF free cash flow · 8 questions

Bank of the Philippine Islands free cash flow was $72.08B for FY2025, up 380.8% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $14.84B.

BPHLF free cash flowBPHLF FCFBPHLF FCF 2025BPHLF free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Bank of the Philippine Islands · Bank of the Philippine Islands SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 8, 2026