Union Bank of the Philippines (PSE:UBP)
Philippines · Delayed Price · Currency is PHP 23.70
-0.55 (-2.27%)
At close: Aug 28, 2026
PSE:UBP 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 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 67,598 | 62,072 | 59,951 | 56,737 | 48,132 | 39,304 |
Revenue Growth | 12.99% | 3.54% | 5.66% | 17.88% | 22.46% | 16.66% |
Net Income Net Income Growth | 13,611 | 9,941 | 11,930 | 9,072 | 12,601 | 12,525 |
Earnings Per Share EPS Growth | 4.10 | 3.00 | 3.75 | 3.06 | 4.95 | 5.80 |
EPS Growth | 31.97% | -20.10% | 22.75% | -38.23% | -14.70% | -2.89% |
| 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 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Headquarters Headquarters Growth | -3,641 | -3,163 | -5,793 | 4,295 | 2,111 | 2,094 |
Institutional Banking Institutional Banking Growth | 22,779 | 22,645 | 23,342 | 15,542 | 9,292 | 9,522 |
Treasury Banking Treasury Banking Growth | 7,513 | 5,275 | 4,749 | 2,958 | 5,251 | 13,254 |
Trust/Insurance and Brokerage Trust/Insurance and Brokerage Growth | 1,440 | 1,275 | 1,330 | 919 | 411 | 337 |
Consumer Banking Consumer Banking Growth | 44,190 | 43,526 | 40,079 | 31,112 | 24,171 | 11,053 |
Mass Market / Digital Banking Mass Market / Digital Banking Growth | 14,332 | 13,671 | 14,152 | 14,828 | 10,964 | 8,856 |
Unallocated Provision for Impairment Unallocated Provision for Impairment Growth | -19,015 | -21,156 | -17,908 | -12,917 | -4,068 | -5,811 |
Total Total Growth | 67,598 | 62,073 | 59,951 | 56,737 | 48,132 | 39,305 |
| 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 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 92,343 | 120,625 | 105,176 | 94,025 | 120,204 | 166,404 |
Total Debt Total Debt Growth | 189,528 | 175,882 | 224,536 | 208,259 | 187,462 | 123,155 |
Net Cash (Debt) Net Cash Growth | -97,185 | -55,257 | -119,360 | -114,234 | -67,258 | 43,249 |
Net Cash Growth | - | - | - | - | - | -21.40% |
Net Cash Per Share Net Cash Per Share Growth | -29.30 | -16.66 | -37.53 | -38.48 | -26.41 | 20.03 |
| 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 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | -28,814 | -17,545 | 12,585 | -30,009 | -55,026 | 3,218 |
Capital Expenditures CapEx Growth | -1,539 | -1,463 | -1,647 | -2,283 | -551.59 | -505.61 |
Free Cash Flow Free Cash Flow Growth | -30,353 | -19,008 | 10,938 | -32,293 | -55,577 | 2,712 |
Free Cash Flow Growth | - | - | - | - | - | -88.44% |
| 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 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Profit Margin | 20.14% | 16.01% | 19.90% | 15.99% | 26.18% | 31.87% |
FCF Margin | -44.90% | -30.62% | 18.25% | -56.92% | -115.47% | 6.90% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 28, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 1.000 | 1.000 | 1.000 | 0.800 | 1.575 | 2.205 |
Dividend Per Share Growth | 0% | 0% | 25.00% | -49.20% | -28.57% | 0% |
Dividend Yield | 4.00% | 3.91% | 2.97% | 1.77% | 2.73% | 3.79% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Aug '26 Aug 28, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 5.77 | 8.87 | 10.01 | 16.59 | 14.64 | 12.11 |
Forward PE | 5.48 | 6.34 | 6.75 | 8.85 | 11.25 | 14.42 |
P/FCF Ratio | - | - | 10.92 | - | - | 55.92 |
PS Ratio | 1.16 | 1.42 | 1.99 | 2.65 | 3.83 | 3.86 |