Union Bank of the Philippines (PSE:UBP)

PSE:UBP Statistics

Total Valuation

PSE:UBP has a market cap or net worth of PHP 105.63 billion.

Market Cap	105.63B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, August 5, 2025.

Earnings Date	Aug 5, 2025
Ex-Dividend Date	Feb 14, 2025

Share Statistics

PSE:UBP has 3.32 billion shares outstanding. The number of shares has increased by 9.48% in one year.

Current Share Class	3.32B
Shares Outstanding	3.32B
Shares Change (YoY)	+9.48%
Shares Change (QoQ)	+2.74%
Owned by Insiders (%)	2.44%
Owned by Institutions (%)	19.34%
Float	1.12B

Valuation Ratios

The trailing PE ratio is 9.16 and the forward PE ratio is 6.52. PSE:UBP's PEG ratio is 0.31.

PE Ratio	9.16
Forward PE	6.52
PS Ratio	1.76
PB Ratio	0.54
P/TBV Ratio	0.76
P/FCF Ratio	32.46
P/OCF Ratio	27.21
PEG Ratio	0.31

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	71.32
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 6.21%.

Return on Equity (ROE)	6.21%
Return on Assets (ROA)	0.99%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	10.98M
Profits Per Employee	2.07M
Employee Count	5,482
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PSE:UBP has paid 4.01 billion in taxes.

Income Tax	4.01B
Effective Tax Rate	25.95%

Stock Price Statistics

The stock price has decreased by -11.65% in the last 52 weeks. The beta is 0.75, so PSE:UBP's price volatility has been lower than the market average.

Beta (5Y)	0.75
52-Week Price Change	-11.65%
50-Day Moving Average	32.61
200-Day Moving Average	34.91
Relative Strength Index (RSI)	43.41
Average Volume (20 Days)	134,410

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, PSE:UBP had revenue of PHP 60.19 billion and earned 11.36 billion in profits. Earnings per share was 3.48.

Revenue	60.19B
Gross Profit	59.98B
Operating Income	16.09B
Pretax Income	15.47B
Net Income	11.36B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	3.48

Balance Sheet

The company has 88.95 billion in cash and 232.05 billion in debt, giving a net cash position of -143.11 billion or -43.15 per share.

Cash & Cash Equivalents	88.95B
Total Debt	232.05B
Net Cash	-143.11B
Net Cash Per Share	-43.15
Equity (Book Value)	194.25B
Book Value Per Share	58.34
Working Capital	-708.00B

Cash Flow

In the last 12 months, operating cash flow was 3.88 billion and capital expenditures -627.73 million, giving a free cash flow of 3.25 billion.

Operating Cash Flow	3.88B
Capital Expenditures	-627.73M
Free Cash Flow	3.25B
FCF Per Share	0.98

Margins

Gross Margin	n/a
Operating Margin	26.74%
Pretax Margin	25.70%
Profit Margin	18.87%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	5.41%

Dividends & Yields

This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 3.13%.

Dividend Per Share	1.00
Dividend Yield	3.13%
Dividend Growth (YoY)	25.00%
Years of Dividend Growth	n/a
Payout Ratio	29.20%
Buyback Yield	-9.48%
Shareholder Yield	-6.35%
Earnings Yield	10.75%
FCF Yield	3.08%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on December 21, 2023. It was a forward split with a ratio of 1.27.

Last Split Date	Dec 21, 2023
Split Type	Forward
Split Ratio	1.27

Scores

Altman Z-Score	n/a
Piotroski F-Score	3