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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 6, 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
Market Capitalization	81,584	88,216	119,391	150,509	184,435	151,658
Market Cap Growth	-28.18%	-26.11%	-20.68%	-18.39%	21.61%	73.11%
Last Close Price	24.60	25.58	33.66	45.22	57.59	58.11
PE Ratio	8.21	8.87	10.01	16.59	14.64	12.11
PS Ratio	1.31	1.42	1.99	2.65	3.83	3.86
PB Ratio	0.40	0.44	0.61	0.86	1.24	1.35
P/FCF Ratio	-	-	10.92	-	-	55.92
P/OCF Ratio	-	-	9.49	-	-	47.13
Debt / Equity Ratio	0.87	0.87	1.15	1.19	1.26	1.10
Debt / FCF Ratio	-	-	20.53	-	-	45.41
Net Debt / Equity Ratio	0.27	0.27	0.61	0.65	0.45	-0.38
Net Debt / FCF Ratio	-2.91	-2.91	10.91	-3.54	-1.21	-15.95
Return on Equity (ROE)	5.01%	5.01%	6.47%	5.68%	9.79%	11.57%
Return on Assets (ROA)	0.87%	0.87%	1.05%	0.82%	1.32%	1.57%
Earnings Yield	12.19%	11.27%	9.99%	6.03%	6.83%	8.26%
FCF Yield	-23.30%	-21.55%	9.16%	-21.46%	-30.13%	1.79%
Dividend Yield	4.07%	3.91%	2.97%	1.77%	2.73%	3.79%
Payout Ratio	33.36%	33.36%	20.04%	51.89%	33.88%	34.07%
Buyback Yield / Dilution	-4.29%	-4.29%	-7.13%	-16.55%	-17.93%	-11.64%
Total Shareholder Return	-0.15%	-0.38%	-4.16%	-14.78%	-15.20%	-7.84%

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