Union Bank of the Philippines (PSE:UBP)

PSE:UBP Ratios and Metrics

Market cap in millions PHP. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Aug 1, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	105,628	119,391	150,509	184,435	151,658	87,608
Market Cap Growth	-18.64%	-20.68%	-18.39%	21.61%	73.11%	24.70%
Last Close Price	31.85	35.00	47.01	59.87	60.41	33.30
PE Ratio	9.16	10.01	16.59	14.64	12.11	7.58
PS Ratio	1.76	1.99	2.65	3.83	3.86	2.60
PB Ratio	0.54	0.61	0.86	1.24	1.35	0.83
P/FCF Ratio	32.46	15.39	-	-	55.92	3.74
P/OCF Ratio	27.21	12.69	-	-	47.13	3.58
Debt / Equity Ratio	1.20	1.15	1.19	1.26	1.10	1.10
Debt / FCF Ratio	71.32	28.93	-	-	45.41	4.95
Return on Equity (ROE)	6.21%	6.47%	5.68%	9.79%	11.57%	11.38%
Return on Assets (ROA)	0.99%	1.05%	0.82%	1.32%	1.57%	1.50%
Earnings Yield	10.75%	9.99%	6.03%	6.83%	8.26%	13.19%
FCF Yield	3.08%	6.50%	-25.30%	-30.13%	1.79%	26.77%
Dividend Yield	3.13%	2.86%	1.70%	2.63%	3.65%	6.62%
Payout Ratio	29.20%	20.04%	51.89%	33.88%	34.07%	36.91%
Buyback Yield / Dilution	-9.48%	-7.13%	-16.55%	-17.93%	-11.64%	-0.05%
Total Shareholder Return	-6.35%	-4.27%	-14.85%	-15.30%	-7.99%	6.57%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.