` Comparison: BPI, CPI - Alpha Spread

B
BPI
vs
C
CPI

Over the past 12 months, BPI has underperformed CPI, delivering a return of -11% compared to the CPI's +21% growth.

Valuation Growth Profitability Solvency Stocks Performance
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BPI
CPI
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Stocks Compared:
BPI CPI
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Valuation Comparison

B
BPI Intrinsic Value
173.06 PHP
Undervaluation 33%
Intrinsic Value
Price
C
CPI Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
B
Bank of the Philippine Islands
XPHS:BPI
116 PHP
C
Capitec Bank Holdings Ltd
JSE:CPI
402 500 Zac
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
BPI, CPI

BPI
CPI
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
B
Bank of the Philippine Islands
Revenue
C
Capitec Bank Holdings Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
BPI, CPI

BPI
CPI
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
B
Bank of the Philippine Islands
XPHS:BPI
FCF is not applicable for financial companies
C
Capitec Bank Holdings Ltd
JSE:CPI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

BPI
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bank of the Philippine Islands
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Operating Margin

BPI
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bank of the Philippine Islands
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Net Margin

BPI
34.6%
CPI
24.6%

FCF Margin

BPI
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bank of the Philippine Islands
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROE

BPI
14.2%
CPI
30.7%

ROA

BPI
1.9%
CPI
6.5%

ROIC

BPI
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bank of the Philippine Islands
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROCE

BPI
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Bank of the Philippine Islands
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
BPI, CPI

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CPI
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Performance Gap
BPI, CPI

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BPI
CPI
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
BPI, CPI

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CPI
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