BPHLY (Bank of the Philippine Islands) vs S&P 500 Comparison

BPHLY

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Performance Gap Between BPHLY and GSPC

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BPHLY

S&P 500

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Bank of the Philippine Islands
Glance View

Market Cap

10.3B USD

Industry

Banking

In the archipelago where waves meet opportunity, the Bank of the Philippine Islands (BPI) stands as the venerable stalwart of financial services, with roots tracing back to 1851. As the first bank in the Philippines and Southeast Asia, BPI has navigated through historical tides with a keen acumen for transforming challenges into prosperity. Today, it capitalizes on its extensive network of over 900 branches and thousands of ATMs spread across the nation, making banking accessible to millions. This robust infrastructure is complemented by a strategic emphasis on technology, enabling digital platforms that cater to the evolving needs of a tech-savvy, mobile-first consumer base. While traditional savings and loans form the backbone of its operations, BPI's prowess extends into a diversified menu of services. It generates significant revenue through banking activities encompassing corporate and consumer lending, asset management, and treasury services. The bank deftly manages a diversified portfolio of products from personal loans to comprehensive investment solutions tailored to both retail and institutional clients. In doing so, BPI profits not only from interest income on loans but also from transactional fees and advisory services, establishing a resilient stream of income in fluctuating economic climates. With a steadfast commitment to innovation and customer-centric strategies, BPI continues to script its legacy in the vibrant tapestry of Philippine economic growth.

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BPHLY Intrinsic Value

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What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

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BPHLY

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S&P 500

Stocks Performance
BPHLY vs S&P 500

Performance Gap
BPHLY vs S&P 500

Performance By Year
BPHLY vs S&P 500

Competitors Performance
Bank of the Philippine Islands vs Peers

Bank of the Philippine Islands
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B BPHLY vs S&P 500

Stocks Performance BPHLY vs S&P 500

Performance Gap BPHLY vs S&P 500

Performance By Year BPHLY vs S&P 500

Competitors Performance Bank of the Philippine Islands vs Peers

Bank of the Philippine Islands Glance View

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B
BPHLY

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S&P 500

Stocks Performance
BPHLY vs S&P 500

Performance Gap
BPHLY vs S&P 500

Performance By Year
BPHLY vs S&P 500

Competitors Performance
Bank of the Philippine Islands vs Peers

Bank of the Philippine Islands
Glance View