BDO Unibank, Inc. (PSE:BDO)
Philippines · Delayed Price · Currency is PHP 122.00
-1.20 (-0.97%)
At close: Aug 7, 2026
BDO Unibank Financials Overview
Financials in millions PHP. Fiscal year is January - December.
Millions PHP. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Jan '23 Jan 1, 2023 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 280,008 | 273,125 | 250,072 | 227,499 | 179,594 | 175,758 |
Revenue Growth | 7.08% | 9.22% | 9.92% | 26.67% | 2.18% | 10.37% |
Net Income Net Income Growth | 86,874 | 86,766 | 81,612 | 73,004 | 56,715 | 42,451 |
Earnings Per Share EPS Growth | 16.23 | 16.22 | 15.30 | 13.69 | 10.62 | 7.98 |
EPS Growth | 4.68% | 6.05% | 11.71% | 28.91% | 33.11% | 51.96% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Jan '23 Jan 1, 2023 | Dec '21 Dec 31, 2021 |
Investment Banking Investment Banking Growth | 2,413 | 1,858 | 2,827 | 2,096 | 3,111 | 2,508 |
Insurance Insurance Growth | 33,772 | 30,793 | 26,944 | 24,278 | 23,768 | 22,471 |
Others Others Growth | 595 | 566 | 742 | 718 | 605 | 480 |
Leasing and Finance Leasing and Finance Growth | 1,243 | 1,013 | 2,489 | 876 | 1,043 | 1,184 |
Commercial Banking Commercial Banking Growth | 297,426 | 268,018 | 243,130 | 216,244 | 175,222 | 170,659 |
Private Banking Private Banking Growth | 3,371 | 3,088 | 2,891 | 2,771 | 2,722 | 2,485 |
Unallocated Expenses of Insurance Operations Presented as Part of Income Attributable to Insurance Operations - Net Unallocated Expenses of Insurance Operations Presented as Part of Income Attributable to Insurance Operations - Net Growth | -22,862 | -20,777 | -18,049 | -16,337 | -16,849 | - |
Elimination of Intersegment Revenues Elimination of Intersegment Revenues Growth | -13,517 | -11,829 | -10,666 | -2,968 | -9,833 | -7,087 |
Total Total Growth | 305,162 | 272,730 | 250,308 | 227,678 | 179,789 | 192,700 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Jan '23 Jan 1, 2023 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 285,625 | 379,528 | 357,519 | 331,762 | 529,178 | 323,859 |
Total Debt Total Debt Growth | 449,743 | 372,841 | 281,832 | 207,755 | 198,891 | 222,260 |
Net Cash (Debt) Net Cash Growth | -164,118 | 6,687 | 75,687 | 124,007 | 330,287 | 101,599 |
Net Cash Growth | - | -91.16% | -38.97% | -62.46% | 225.09% | 14.99% |
Net Cash Per Share Net Cash Per Share Growth | -30.52 | 1.24 | 14.12 | 23.13 | 61.49 | 18.95 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Jan '23 Jan 1, 2023 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | -454,702 | -372,367 | -279,244 | -168,646 | -145,497 | -82,653 |
Capital Expenditures CapEx Growth | -12,864 | -12,630 | -9,634 | -6,843 | -3,888 | -3,853 |
Free Cash Flow Free Cash Flow Growth | -467,566 | -384,997 | -288,878 | -175,489 | -149,385 | -86,506 |
Free Cash Flow Growth | - | - | - | - | - | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Jan '23 Jan 1, 2023 | Dec '21 Dec 31, 2021 |
Profit Margin | 31.03% | 31.77% | 32.63% | 32.09% | 31.58% | 24.15% |
FCF Margin | -166.98% | -140.96% | -115.52% | -77.14% | -83.18% | -49.22% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 8, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Jan '23 Jan 1, 2023 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 4.400 | 4.300 | 3.716 | 2.973 | 1.189 | 0.991 |
Dividend Per Share Growth | 8.04% | 15.72% | 25.00% | 149.99% | 20.00% | 0% |
Dividend Yield | 3.61% | 3.25% | 2.73% | 2.47% | 1.25% | 1.11% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 8, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Jan '23 Jan 1, 2023 | Dec '21 Dec 31, 2021 |
PE Ratio | 7.52 | 8.28 | 9.30 | 9.42 | 9.81 | 12.47 |
Forward PE | 6.97 | 8.04 | 8.84 | 8.90 | 8.52 | 11.71 |
PS Ratio | 2.32 | 2.63 | 3.04 | 3.02 | 3.10 | 3.01 |