Union Bank of the Philippines (PSE:UBP)

PSE:UBP Statistics

Total Valuation

PSE:UBP has a market cap or net worth of PHP 84.90 billion.

Market Cap	84.90B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Monday, May 11, 2026.

Earnings Date	May 11, 2026
Ex-Dividend Date	Mar 13, 2026

Share Statistics

PSE:UBP has 3.32 billion shares outstanding. The number of shares has increased by 4.29% in one year.

Current Share Class	3.32B
Shares Outstanding	3.32B
Shares Change (YoY)	+4.29%
Shares Change (QoQ)	n/a
Owned by Insiders (%)	1.81%
Owned by Institutions (%)	18.98%
Float	1.17B

Valuation Ratios

The trailing PE ratio is 8.54 and the forward PE ratio is 6.41. PSE:UBP's PEG ratio is 0.79.

PE Ratio	8.54
Forward PE	6.41
PS Ratio	1.37
PB Ratio	0.42
P/TBV Ratio	0.68
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	0.79

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	-9.25
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.01%.

Return on Equity (ROE)	5.01%
Return on Assets (ROA)	0.87%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	2.32%
Revenue Per Employee	11.32M
Profits Per Employee	1.81M
Employee Count	5,482
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, PSE:UBP has paid 4.20 billion in taxes.

Income Tax	4.20B
Effective Tax Rate	29.56%

Stock Price Statistics

The stock price has decreased by -22.89% in the last 52 weeks. The beta is 0.52, so PSE:UBP's price volatility has been lower than the market average.

Beta (5Y)	0.52
52-Week Price Change	-22.89%
50-Day Moving Average	26.30
200-Day Moving Average	29.19
Relative Strength Index (RSI)	43.34
Average Volume (20 Days)	179,700

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 62.07 billion and earned 9.94 billion in profits. Earnings per share was 3.00.

Revenue	62.07B
Gross Profit	61.75B
Operating Income	15.22B
Pretax Income	14.20B
Net Income	9.94B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	3.00

Balance Sheet

The company has 120.63 billion in cash and 175.88 billion in debt, with a net cash position of -55.26 billion or -16.66 per share.

Cash & Cash Equivalents	120.63B
Total Debt	175.88B
Net Cash	-55.26B
Net Cash Per Share	-16.66
Equity (Book Value)	202.85B
Book Value Per Share	60.93
Working Capital	-718.60B

Cash Flow

In the last 12 months, operating cash flow was -17.55 billion and capital expenditures -1.46 billion, giving a free cash flow of -19.01 billion.

Operating Cash Flow	-17.55B
Capital Expenditures	-1.46B
Free Cash Flow	-19.01B
FCF Per Share	-5.73

Margins

Gross Margin	n/a
Operating Margin	24.52%
Pretax Margin	22.87%
Profit Margin	16.02%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 1.00, which amounts to a dividend yield of 3.91%.

Dividend Per Share	1.00
Dividend Yield	3.91%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	1
Payout Ratio	33.36%
Buyback Yield	-4.29%
Shareholder Yield	-0.40%
Earnings Yield	11.71%
FCF Yield	-22.39%

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	2