Should I Buy Bank of the Philippine Islands Stock in 2025?

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At HelloSafe, our expert has been tracking the performance of Bank of the Philippine Islands for over three years. Every month, hundreds of thousands of users in the Philippines trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by Bank of the Philippine Islands.

What is Bank of the Philippine Islands?

The Bank of the Philippine Islands Stock Price

The price of Bank of the Philippine Islands stock is easing this week. BPI is currently trading at ₱123.00, reflecting a 1.20% decrease over the past 24 hours and a 3.7% decline for the week. With a market capitalization of ₱657.8 billion and a robust 3-month average daily volume of 2.47 million shares, BPI remains one of the most actively traded stocks on the Philippine Stock Exchange. It boasts a price/earnings ratio of 10.2x and an attractive dividend yield of 3.26%, along with a relatively low beta of 0.51, pointing to limited volatility against broader market swings. Such a risk-return profile may appeal to investors looking for stability paired with consistent income in the Philippine banking sector.

Our full analysis of the Bank of the Philippine Islands stock

After an in-depth review of Bank of the Philippine Islands' most recent financial results, alongside a comprehensive analysis of the stock’s multi-year performance, we have synthesized multiple sources—including financial indicators, technical signals, market data, and competitive benchmarking—utilizing our proprietary algorithms. This blended approach allows us to reveal underlying trends and identify robust signals for investors. So, why might Bank of the Philippine Islands stock once again become a strategic entry point into the Philippine financial sector in 2025?

Recent performance and market context

Bank of the Philippine Islands (BPI) has demonstrated remarkable resilience in 2025, even as share price momentum has moderated. Trading at ₱123.00 as of July, the stock reflects a modest annual gain of 1.23% but a 3.7% dip over the past week, amid rotation in the Philippine equity markets. While recent technical pressure points to temporary volatility, BPI stands apart due to a ₱44.7 billion quarterly revenue and a nine percent jump in net income versus the previous year—surpassing analyst expectations. Notably, the company’s recent cash dividend approval of ₱2.08 per share, strategic board strengthening, and international awards have reinforced market confidence. Continued macroeconomic recovery in the Philippines, supported by digital transformation initiatives and robust domestic demand, sets a constructive backdrop for the banking sector and BPI’s prospects.

Technical analysis

BPI’s current technical setup offers potential for attractive entry. The Relative Strength Index (RSI) at 29.27 signals the stock is entering oversold territory, providing a value-focused support zone near the key ₱122.40 mark, which closely aligns with the year’s low. While the MACD remains negative at -1.49 and all major moving averages (20, 50, 100, and 200 days) are above the current price—indicating a short-term “selling” environment—these signals may represent a classic technical low, creating opportunity for accumulation ahead of mean reversion. Consensus technician views suggest that recoveries from such oversold zones in high-quality financial names tend to be swift once the initial capitulation phase ends. A measured approach—watching for base-building and a MACD reversal—could enable investors to benefit from the next bullish phase.

Fundamental analysis

BPI’s underlying fundamentals remain outstanding, positioning it as both a sector leader and a value play. The bank achieved a 13.1% increase in quarterly revenue and sustained a net income margin that is among the highest in the Philippine financial landscape. Its price/earnings (P/E) ratio stands out at 10.2x, offering a pronounced discount to regional and historical averages for such a dominant franchise. Net interest income climbed 15.3% year-on-year, supporting consistent earnings expansion and providing a substantial buffer even amid market headwinds. The bank’s dividend yield of 3.26% reflects sustained profitability and a 10-year trend of dividend growth, recently underscored by a five-year increase of 19.11%.

Strategically, BPI is accelerating its digital banking transformation under the leadership of CEO TG Limcaoco. The development of omnichannel services, rapid deployment of fintech products, and sustained investment in IT and cybersecurity are strengthening BPI’s already formidable franchise. With a 174-year heritage, market-leading positions in loans and deposits, and a strong nationwide presence, BPI continues to command a brand trust and market reach unmatched in the local sector.

Volume and liquidity

Liquidity remains a strength for BPI. A robust average daily trading volume of 2.47 million shares confirms that the stock maintains excellent liquidity, allowing investors to take and adjust positions efficiently with minimal price impact. Its substantial free float of nearly 49% supports dynamic valuation and inclusion in prominent indices, further enhancing visibility and institutional participation.

This high level of liquidity also ensures resilience during market volatility and permits investors to enter or exit positions with confidence, regardless of market conditions. Such liquidity, coupled with deep institutional ownership, typically acts as a stabilizing force, contributing to reduced pricing anomalies and smoother price discovery.

Catalysts and positive outlook

• Ongoing digitalization: BPI leads the field in digital banking, with wide-ranging fintech solutions and digital account onboarding, addressing the Philippines’ high digital adoption rates.
• Expansion in high-yield lending portfolios: An increased focus on non-institutional and SME lending supports higher margins and diversified growth.
• Strategic governance enhancements: New board appointments and committee changes in 2025 ensure agile responses to market trends and regulatory shifts.
• Consistent dividend growth: Reliable payouts and a forward-looking dividend policy appeal to income-seeking investors and reinforce the stock’s low-risk proposition.
• Recognition and awards: Multiple 2025 international business awards have strengthened BPI’s reputation for quality, innovation, and customer trust.
• Favorable macro context: Low inflationary pressures, higher remittances, and resilient local consumption provide tailwinds for retail and corporate banking.
• Industry consolidation and digital disruption: BPI stands poised to gain market share as traditional competitors struggle to match its speed of innovation and digital capabilities.

Forward-looking projections see revenues expanding by over 8% annually, with a steady climb in both loan book quality and non-interest income. This growth, combined with further improvements in cost management, positions BPI favorably to outperform peers and the broader index in the next investment cycle.

Investment strategies

• Short-term: With the stock currently trading near technical support and the RSI at oversold levels, tactical investors may find an appealing window for accumulation. A rebound from ₱122.40–₱125.00 could be the catalyst for a short-term reversal, particularly as ex-dividend dates or results announcements approach.
• Medium-term: Those targeting dividend sustainability, digital transformation milestones, and new product launches may prefer to gradually build positions, aligning entries with technical basing and broader market stability.
• Long-term: For those seeking durable growth from a dominant franchise, BPI presents a compelling case. Strong earnings, reliable dividends, a technological edge, and a reputation for weathering economic cycles make it an essential core holding in any Philippine-focused portfolio. Long-term shareholders have historically been rewarded as BPI adapts and thrives, whatever the market climate.

Dollar-cost averaging during periods of volatility or technical softness may further increase risk-adjusted returns, while participation during major news cycles (such as digital product launches or sector upgrades) can maximize upside.

Is it the right time to buy Bank of the Philippine Islands?

Summing up, Bank of the Philippine Islands represents a unique blend of stability, growth, and innovation within the Philippine financial sector. Its disciplined approach to digitalization, robust capital strength, consistent earnings growth, and attractive valuation strongly justify renewed interest at current levels. With technical indicators positioning the stock at a potential inflection point, the present environment seems to represent an excellent opportunity for investors to seriously consider adding BPI to their portfolios.

Strong liquidity, relentless focus on digital transformation, sustained dividend increases, and a proven ability to navigate shifting market landscapes distinguish BPI as a market leader. The fundamentals and near-term technical setup suggest the stock may be entering a new bullish phase—one that makes Bank of the Philippine Islands a highly compelling prospect for investors seeking both value and growth in 2025 and beyond.

How to buy Bank of the Philippine Islands stock in the Philippines?

Buying Bank of the Philippine Islands stock online is straightforward and secure when you use a regulated broker. Whether you prefer classic spot buying, where you directly own your shares, or CFD trading, which lets you speculate on price movements with leverage, you have flexible investment choices. Each method fits different investment goals, so it’s important to learn the differences—see our detailed broker comparison further down the page for guidance.

Spot buying

A cash purchase of Bank of the Philippine Islands stock means you directly acquire ownership of the shares, making you a company shareholder. Most Philippine brokers apply a fixed commission per trade, typically around ₱300–₱350 (about $5–$6) per order in local currency.

Share Trading Gain Scenario Example

For example, if the Bank of the Philippine Islands share price is ₱123.00, you can buy around 440 shares with a $1,000 (approx. ₱56,500) stake, including a brokerage fee of around $5.

✔️ Gain scenario: If the share price rises by 10%, your shares are now worth $1,100. Result: +$100 gross gain, i.e. +10% on your investment.

Trading via CFD

CFD trading on Bank of the Philippine Islands shares allows you to trade the price movement—up or down—without owning the shares. A spread fee applies (difference between buy and sell price), and a small overnight financing cost if you keep your position for more than a day.

CFD Position Example

Example: You open a CFD position on Bank of the Philippine Islands shares, using 5x leverage with a $1,000 (approx. ₱56,500) stake.

You have a market exposure of $5,000.

✔️ Gain scenario: If the stock rises by 8%, your position gains 8% × 5 = 40%.

Result: +$400 gain, on a bet of $1,000 (excluding fees).

Final advice

Before investing, always compare brokers’ fees, commissions, and the variety of services they offer to find what suits you best. Your ideal method should match your objectives—spot buying for long-term growth or CFDs for flexible, leveraged trading. A full broker comparison is available further down the page to help with your decision.

Our 7 tips for buying Bank of the Philippine Islands stock

The latest news about Bank of the Philippine Islands

Bank of the Philippine Islands posted strong Q1 2025 results, sustaining robust profit growth and outperforming analyst expectations. Quarterly revenue reached ₱44.7 billion, up 13.1% year-on-year, while net profit rose 9% to ₱16.6 billion, fueled by a 15.3% increase in net interest income and demonstrating the bank’s ability to navigate domestic market conditions effectively.

BPI reinforced its reputation through international recognition, winning two major awards at the International Business Magazine Awards 2025 in July. These accolades highlight BPI's commitment to excellence in digital transformation and service delivery, further enhancing its competitive position in the Philippine banking sector.

The recently completed ₱2.08 per share cash dividend payout signals consistent value creation for local shareholders. With an attractive annualized yield of 3.26% and a decade-long record of growing dividends, BPI continues to reward investor trust and foster long-term market confidence.

Strategic investments in digital banking and expansion of fintech capabilities continue to drive future revenue potential. Ongoing enhancement of digital platforms and branch expansion projects align with BPI’s stated goal to capture high-value loan segments and consolidate leadership in Philippine financial services.

Despite recent market volatility and short-term technical weakness, BPI’s medium-term fundamentals, stable capital base, and bullish analyst consensus (“Strong Buy”) point to renewed optimism for Philippine investors. As of the latest analysis, the consensus price target stands at ₱159.73—implying a significant upside from current levels—supported by expectations of an 8.68% average annual revenue growth rate and continued expansion in core business lines.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.