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Union Bank of the Philippines (PSE:UBP)
Philippines flag Philippines · Delayed Price · Currency is PHP
21.75
-0.05 (-0.23%)
At close: Sep 17, 2026

PSE:UBP Ratios and Metrics

Millions PHP. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Market Capitalization
72,13288,216119,391150,509184,435151,658
Market Cap Growth
-28.69%-26.11%-20.68%-18.39%21.61%73.11%
Last Close Price
21.7525.5833.6645.2257.5958.11

Price Ratios

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
5.308.8710.0116.5914.6412.11
PS Ratio
1.071.421.992.653.833.86
PB Ratio
0.350.440.610.861.241.35
P/FCF Ratio
--10.92--55.92
P/OCF Ratio
--9.49--47.13

Financial Efficiency

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Debt / Equity Ratio
0.920.871.151.191.261.10
Debt / FCF Ratio
--20.53--45.41
Net Debt / Equity Ratio
0.470.270.610.650.45-0.38
Net Debt / FCF Ratio
-3.20-2.9110.91-3.54-1.21-15.95
Return on Equity (ROE)
6.81%5.01%6.47%5.68%9.79%11.57%
Return on Assets (ROA)
1.18%0.87%1.05%0.82%1.32%1.57%

Yields

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period Ending
Sep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Earnings Yield
18.87%11.27%9.99%6.03%6.83%8.26%
FCF Yield
-42.08%-21.55%9.16%-21.46%-30.13%1.79%
Dividend Yield
4.60%3.91%2.97%1.77%2.73%3.79%
Payout Ratio
24.37%33.36%20.04%51.89%33.88%34.07%
Buyback Yield / Dilution
-1.39%-4.29%-7.13%-16.55%-17.93%-11.64%
Total Shareholder Return
2.96%-0.38%-4.16%-14.78%-15.20%-7.84%