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Facebook Ads CPC Benchmarks for Finance in Philippines

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CPC (Cost Per Click) for Finance in Philippines

January 2025 - January 2026

Insights

Detailed observation of presented data

Introduction

Finance advertisers in the Philippines saw an unusually dramatic CPC year—starting effectively near zero midyear, spiking hard into November, and easing by December—while the global benchmark moved within a tighter, more predictable band. Across the same period, worldwide CPCs crept higher into Q4 before peaking in November and dipping to a year low in December. The story in the Philippines is the same directionally, but with sharper swings and a far lower cost base for most of the year.

This analysis is based on $3B worth of advertising data from our dataset, which provides strong directional benchmarks. This analysis explores ad performance trends for Finance in the Philippines compared to the global benchmark.

The story in the data

  • Starting from June, Finance CPC in the Philippines registered 0.004, rose to 0.010 by October, surged to 0.388 in November, and cooled to 0.135 in December. The four-month average lands at 0.134, with a low of 0.004 (June) and a high of 0.388 (November). The total range across these months is 0.385.
  • Momentum was steep: June to October climbed 163%, October to November leapt roughly 3,870%, and November to December retraced by 65%. The average absolute month-to-month move across these observed points was about 0.213—evidence of pronounced volatility within the period.
  • By contrast, the global Facebook Ads benchmark for CPC averaged about 1.12 across 2025, with a low of 1.05 in December and a high of 1.30 in November. Global average monthly movement was roughly 0.06, much steadier than the Philippines series.
  • Looking only at matched months (June, October, November, December), the global average came in near 1.13 versus 0.13 in the Philippines—about 88% lower in the Philippines across those months.

Seasonal and monthly dynamics

  • The Philippines series shows a pronounced Q4 lift. CPC climbed modestly from June to October before a dramatic November surge, then settled lower in December—still well above midyear levels. This mirrors typical Q4 dynamics where competition pushes costs up, followed by a December pullback as auction pressures ease.
  • Globally, the rhythm was more measured: a gradual build through the year, a clear November crest, and a December dip to the annual low. The pattern is familiar, but the Philippine Finance segment experienced it with outsized relative swings from a much lower base.

Country vs. Global

  • Level comparison: Through the observed months, Philippine Finance CPCs were consistently below market. In June, the gap was widest—about 99% below the global benchmark (0.004 vs. 1.08). The gap narrowed most in November, when the Philippines reached 0.388 against the global 1.30—roughly 70% below.
  • Trend comparison: The global curve rose steadily into November (+16% from September to November), while the Philippines curve was choppier, posting a multi-thousand-percent jump from October to November before partially unwinding in December.
  • Volatility: Philippine CPC trends were markedly more volatile within the period (average monthly move ~0.21) than the global benchmark (~0.06), highlighting sharper swings in country-specific ad costs for Finance in Q4.

Closing

In summary, Facebook Ads benchmarks for Cost Per Click show Finance in the Philippines operating far below global CPC levels for most of the year, with a sharp Q4 inflection that peaked in November before easing in December. This CPC trend, while directionally aligned with global seasonality, displayed stronger amplitude and higher month-to-month variability. Understanding CPC trends and country-specific ad costs for the Finance industry in the Philippines helps contextualize performance against the global benchmark and frames CPC-focused analysis alongside broader CPM analysis and CTR performance patterns.

Understanding the Data

Insights & analysis of Facebook advertising costs

Cost Per Click (CPC) is the amount advertisers pay each time a user clicks on their Facebook ad. In the Finance industry, Facebook ad costs can be typically higher due to high competition and valuable conversions. For campaigns targeting Philippines, advertisers should consider local market factors and user behavior. Different campaign objectives lead to varying costs based on how Facebook optimizes for your specific goals. The data shown represents median values across multiple campaigns, and individual results may vary based on ad quality, audience targeting, and campaign optimization.

Why we use median instead of average

We use the median CTR because the underlying distribution of click-through rates is highly skewed, with a small share of campaigns achieving extremely high CTRs. These outliers can inflate a simple average, making it less representative of what most advertisers actually experience. By using the median—which sits at the midpoint of all campaigns—we provide a more rigorous and realistic benchmark that reflects the true underlying data model and helps you set attainable performance expectations.

Key Factors Affecting Facebook Ad Costs

  • Competition within your selected industry and audience demographics
  • Ad quality and relevance score – higher quality ads can lower costs
  • Campaign objective and bid strategy
  • Timing and seasonality – costs often increase during holiday periods
  • Ad placement (News Feed, Instagram, Audience Network, etc.)

Note: This data represents industry median values and benchmarks. Your actual costs may vary based on specific targeting, ad creative quality, and campaign optimization.

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The data behind the benchmarks

All data is sourced from over $3B in Facebook ad spend, collected across thousands of ad accounts that use Superads daily to analyze and improve their campaigns. Every data point is fully anonymized and aggregated—no individual advertiser is ever exposed.

This dataset updates frequently as new ad data flows in. It will only get bigger and better.

Philippines Advertising Landscape

National Holidays

Jan 1New Year's Day
Jan 29Chinese New Year
Apr 9Day of Valor
Apr 17Maundy Thursday
Apr 18Good Friday
Apr 19Black Saturday
May 1Labour Day
Jun 6Eid'l Adha
Jun 12Independence Day
Aug 21Ninoy Aquino Day
Aug 25National Heroes Day
Nov 1All Saints' Day
Nov 30Bonifacio Day
Dec 8Immaculate Conception
Dec 24Christmas Eve
Dec 25Christmas Day
Dec 30Rizal Day
Dec 31New Year's Eve

Key Shopping Season

Late November (Black Friday/Cyber Monday), December (Christmas and Rizal Day), June–August (Independence Day and National Heroes Day), Chinese New Year (January) and Eid observances

Potential Advertising Impact

CPM and CPC might rise around Chinese New Year, Eid, and Independence Day for food, gifts, and travel categories. Late November–December retail campaigns see strong competition and elevated CPMs. Long weekend holidays could reduce weekday ad inventory while weekend awareness campaigns benefit from higher media consumption.

What exactly is CPC in Facebook Ads?

CPC (Cost Per Click) is what you pay each time someone clicks on your ad, on any Facebook Ads placement. It's calculated by dividing your total spend by the number of clicks received. Facebook Ads lists Clicks, Link Clicks and Outbound Clicks separately. The former is the sum of all types of clicks (including, for example, clicks to your profile page, to a link or to a comment).

What's considered a good CPC for Facebook ads in 2025?

The truth is that varies, so play with our tool to get some benchmarks that are relevant to you. CPC values are highly dependent on the region, industry and campaign objective. The US is one of the most expensive markets.

What influences cost per click on Facebook?

Several factors affect CPC: your audience targeting, competition in your industry, ad relevance score, and creative performance. If your ad isn't getting engagement or relevance is low, CPC tends to spike.

Why is my Facebook ad CPC suddenly increasing?

CPC spikes usually happen because of increased competition in your target audience, seasonal trends (like holidays), poor ad relevance scores, or algorithm changes. Check if your audience targeting has become too narrow or if your creative is showing fatigue.

Do desktop and mobile Facebook ads have different CPCs?

Yes, there's a noticeable difference between platforms. Mobile CPCs often run lower than desktop. How many times do check Instagram on your phone and how often do you open it in your computer? There's simply much more mobile inventory. Tip: segment your performance data by placement to understand where your clicks are coming from. Spoiler: it's likely all mobile.

Should I optimize my campaigns for CPC or conversions?

For most businesses, optimizing for conversions will deliver much better ROI than focusing purely on CPC. A low CPC is meaningless if those clicks don't convert. However, if you're running awareness campaigns or some kind content promotion, CPC optimization might potentially make sense, although most experts have switched to conversion optimization by now.

Why do my CPC benchmarks differ from published industry averages?

Your specific audience targeting, creative quality, bidding strategy, and account history all influence your CPC. Industry averages provide a reference point, but your historical performance is a more reliable benchmark for setting expectations and measuring improvement.

Are CPCs cheaper on Instagram or Facebook?

Instagram CPCs are generally slightly higher due to stronger purchase intent and higher competition among advertisers. But it depends on the audience and creative.