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) Free Cash Flow & Analysis

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

BPHLY · free cash flow · updated Jun 9, 2026

Core FCF metrics

BPHLY · FCF · TTM · margin & CAGR

Free cash flow was $73.94B for FY2025 (fiscal year ending 2025-12-31), up 388.1% year-over-year The FCF margin was 27.3%. Five-year CAGR stands at -3.5%.

FY2025 Free Cash Flow$73.94B▲ +388.1% YoY

Trailing 12M (TTM)−$19.10BTrailing 4Q sum · TTM negative vs latest FY positive

FCF Margin27.3%$73.94B ÷ revenue

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

5-Year CAGR-3.5%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 9, 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

BPHLY · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$80.38B(6.44B)$73.94B▲ +388.1%27.3%

FY2024−$22.25B(3.42B)−$25.67B▼ 137.6%-15.1%

FY2023$72.96B(4.78B)$68.19B▲ +251.3%38.0%

FY2022−$43.42B(1.66B)−$45.08B▼ 122.4%-33.0%

FY2021$206.48B(5.59B)$200.88B▲ +127.0%178.7%

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

FCF valuation metrics

BPHLY · P/FCF · FCF yield · FCF per share

Bank of the Philippine Islands (BPHLY) valuation ratios are currently unavailable — market cap, share count, or TTM data could not be retrieved from our data provider.

FCF Yield (TTM)

N/A

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

N/A

TTM FCF ÷ Shares Outstanding

Price / FCF

N/A

Share Price ÷ FCF per Share

EV / FCF (TTM)

N/A

Enterprise Value basis

Valuation ratios are unavailable — market cap, share count, or TTM data could not be retrieved. Individual metrics are shown where available.

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

Cash flow statement summary

BPHLY · cash flow statement · operating / investing / financing

For FY2025, Bank of the Philippine Islands generated $80.38B in operating cash flow and spent 6.44B in capital expenditures, yielding $73.94B in free cash flow.

Operating Activities

+$80.38B

Cash from core business operations

2025-12-31

Investing Activities

−$435.65B

CapEx, acquisitions & investments

2025-12-31

Financing Activities

+$264.52B

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($80.38B) − |CapEx| (6.44B) = FCF ($73.94B)

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

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

BPHLY vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Bank of the Philippine IslandsYOU

BPHLY

$73.94B+388.1%27.3%

73%

Berkshire Hathaway Inc.

BRK-B

$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 (BPHLY) reported free cash flow of $73.94B for FY2025 (fiscal year ending 2025-12-31), up 388.1% year-over-year. The FCF margin was 27.3%.

Based on available data, Bank of the Philippine Islands has maintained positive free cash flow for at least 11 fiscal year(s). FCF peaked at $200.88B in FY2021. The 5-year CAGR stands at -3.5%.

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

BPHLY free cash flow · 8 questions

Bank of the Philippine Islands free cash flow was $73.94B for FY2025, up 388.1% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at −$19.10B.

BPHLY free cash flowBPHLY FCFBPHLY FCF 2025BPHLY 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 9, 2026