Union Bank Of The Philippines Inc is a company which provides commercial banking products and services. It offers loans and deposits, cash management, retail banking, foreign exchange, capital markets, corporate and consumer finance, investment management and trust banking. The group's main operating business segments are Consumer Banking, Corporate and Commercial Banking, Treasury and Headquarters. The majority share of groups revenue is generated from Consumer Banking business segment which principally handles individual customers' deposits and provides consumer type loans, such as automobiles and mortgage financing, credit card facilities and funds transfer facilities.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.84
Equity-to-Asset	0.17
Debt-to-Equity	0.3
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	2/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.04	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	15.9
	3-Year EPS without NRI Growth Rate	-19.7
	3-Year Book Growth Rate	7.8
	Future 3-5Y EPS without NRI Growth Rate	30.73
	Future 3-5Y Total Revenue Growth Rate	11.36

Momentum Rank

5/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	27.73
	9-Day RSI	33.86
	14-Day RSI	38.02
	6-1 Month Momentum %	15.63
	12-1 Month Momentum %	-9.65

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.16
	Dividend Payout Ratio	0.27
	3-Year Dividend Growth Rate	-6.3
	Forward Dividend Yield %	2.16
	5-Year Yield-on-Cost %	3.84
	3-Year Average Share Buyback Ratio	-10.2
	Shareholder Yield %	-6.57

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	13.13
	FCF Margin %	-109.9
	ROE %	5.29
	ROA %	0.83
	Years of Profitability over Past 10-Year	10

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	12.41
	Forward PE Ratio	7.08
	PE Ratio without NRI	12.41
	Shiller PE Ratio	7.35
	PEG Ratio	1.55
	PS Ratio	1.58
	PB Ratio	0.61
	Price-to-Tangible-Book	0.87
	EV-to-Revenue	1
	EV-to-Forward-Revenue	2.47
	EV-to-FCF	-0.95
	Price-to-Projected-FCF	0.66
	Price-to-DCF (Earnings Based)	1.08
	Price-to-Median-PS-Value	0.51
	Price-to-Peter-Lynch-Fair-Value	1.68
	Price-to-Graham-Number	0.69
	FCF Yield %	-66.81
	Forward Rate of Return (Yacktman) %	25.83

Financials

Annual Quarterly TTM

PHS:UBP's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Union Bank Of The Philippines Inc Executives

Details

GF Value: ₱70.25

PHS:UBP

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 2 Severe warning signs with UBP. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil ₱)	72,582.551
	EPS (TTM) (₱)	2.901
	Beta	0.25
	Volatility %	32.59
	14-Day RSI	38.02
	14-Day ATR (₱)	0.961416
	20-Day SMA (₱)	37.17
	12-1 Month Momentum %	-9.65
	52-Week Range (₱)	32.45 - 54.767528
	Shares Outstanding (Mil)	3,316.41

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	2
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Union Bank Of The Philippines Inc Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Union Bank Of The Philippines Inc Stock Events

Financials Calendars

	Event	Date	Price(₱)
No Event Data

Union Bank Of The Philippines Inc Frequently Asked Questions

What is Union Bank Of The Philippines Inc(PHS:UBP)'s stock price today?

The current price of PHS:UBP is ₱36.20. The 52 week high of PHS:UBP is ₱54.77 and 52 week low is ₱32.45.

When is next earnings date of Union Bank Of The Philippines Inc(PHS:UBP)?

The next earnings date of Union Bank Of The Philippines Inc(PHS:UBP) is .

Does Union Bank Of The Philippines Inc(PHS:UBP) pay dividends? If so, how much?

The Dividend Yield % of Union Bank Of The Philippines Inc(PHS:UBP) is 2.16% (As of Today), Highest Dividend Payout Ratio of Union Bank Of The Philippines Inc(PHS:UBP) was 0.58. The lowest was 0.16. And the median was 0.33. The Forward Dividend Yield % of Union Bank Of The Philippines Inc(PHS:UBP) is 2.16%. For more information regarding to dividend, please check our Dividend Page.

Press Release

	Subject	Date
No Press Release

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