PSE:UBP Ratios and Metrics

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

Millions PHP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 24, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	85,397	119,391	150,509	184,435	151,658	87,608
Market Cap Growth	-26.11%	-20.68%	-18.39%	21.61%	73.11%	24.70%
Last Close Price	25.75	35.00	47.01	59.87	60.41	33.30
PE Ratio	8.64	10.01	16.59	14.64	12.11	7.58
PS Ratio	1.41	1.99	2.65	3.83	3.86	2.60
PB Ratio	0.43	0.61	0.86	1.24	1.35	0.83
P/FCF Ratio	5.18	15.39	-	-	55.92	3.74
P/OCF Ratio	4.90	12.69	-	-	47.13	3.58
Debt / Equity Ratio	0.96	1.15	1.19	1.26	1.10	1.10
Debt / FCF Ratio	11.65	28.93	-	-	45.41	4.95
Net Debt / Equity Ratio	0.53	0.61	0.65	0.45	-0.38	-0.52
Net Debt / FCF Ratio	6.45	15.38	-3.00	-1.21	-15.95	-2.35
Return on Equity (ROE)	5.07%	6.47%	5.68%	9.79%	11.57%	11.38%
Return on Assets (ROA)	0.87%	1.05%	0.82%	1.32%	1.57%	1.50%
Earnings Yield	11.58%	9.99%	6.03%	6.83%	8.26%	13.19%
FCF Yield	19.30%	6.50%	-25.30%	-30.13%	1.79%	26.77%
Dividend Yield	3.88%	2.86%	1.70%	2.63%	3.65%	6.62%
Payout Ratio	33.54%	20.04%	51.89%	33.88%	34.07%	36.91%
Buyback Yield / Dilution	-7.04%	-7.13%	-16.55%	-17.93%	-11.64%	-0.05%
Total Shareholder Return	-3.15%	-4.27%	-14.85%	-15.30%	-7.99%	6.57%

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