Union Bank of the Philippines (PSE:UBP)

Total Valuation

PSE:UBP has a market cap or net worth of PHP 99.82 billion.

Market Cap	99.82B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Thursday, November 6, 2025.

Earnings Date	Nov 6, 2025
Ex-Dividend Date	Feb 14, 2025

Share Statistics

PSE:UBP has 3.32 billion shares outstanding. The number of shares has increased by 9.94% in one year.

Current Share Class	3.32B
Shares Outstanding	3.32B
Shares Change (YoY)	+9.94%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	2.45%
Owned by Institutions (%)	19.52%
Float	1.12B

Valuation Ratios

The trailing PE ratio is 9.85 and the forward PE ratio is 5.85. PSE:UBP's PEG ratio is 0.28.

PE Ratio	9.85
Forward PE	5.85
PS Ratio	1.67
PB Ratio	0.51
P/TBV Ratio	0.71
P/FCF Ratio	249.96
P/OCF Ratio	101.58
PEG Ratio	0.28

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	523.36
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.33%.

Return on Equity (ROE)	5.33%
Return on Assets (ROA)	0.90%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	10.91M
Profits Per Employee	1.85M
Employee Count	5,482
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PSE:UBP has paid 3.55 billion in taxes.

Income Tax	3.55B
Effective Tax Rate	25.77%

Stock Price Statistics

The stock price has decreased by -14.49% 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	-14.49%
50-Day Moving Average	31.39
200-Day Moving Average	33.69
Relative Strength Index (RSI)	40.40
Average Volume (20 Days)	54,345

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 59.83 billion and earned 10.13 billion in profits. Earnings per share was 3.06.

Revenue	59.83B
Gross Profit	59.62B
Operating Income	14.39B
Pretax Income	13.76B
Net Income	10.13B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	3.06

Balance Sheet

The company has 59.69 billion in cash and 209.01 billion in debt, giving a net cash position of -149.33 billion or -45.03 per share.

Cash & Cash Equivalents	59.69B
Total Debt	209.01B
Net Cash	-149.33B
Net Cash Per Share	-45.03
Equity (Book Value)	195.97B
Book Value Per Share	58.86
Working Capital	-720.33B

Cash Flow

In the last 12 months, operating cash flow was 982.66 million and capital expenditures -583.30 million, giving a free cash flow of 399.36 million.

Operating Cash Flow	982.66M
Capital Expenditures	-583.30M
Free Cash Flow	399.36M
FCF Per Share	0.12

Margins

Gross Margin	n/a
Operating Margin	24.05%
Pretax Margin	23.00%
Profit Margin	16.94%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	0.67%

Dividends & Yields

This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 3.32%.

Dividend Per Share	1.00
Dividend Yield	3.32%
Dividend Growth (YoY)	25.00%
Years of Dividend Growth	n/a
Payout Ratio	32.73%
Buyback Yield	-9.94%
Shareholder Yield	-6.62%
Earnings Yield	10.15%
FCF Yield	0.40%

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