Warning! GuruFocus detected
2 Severe warning signs
with UBP.
Try a 7-Day Free Trial
to check it out.
What is a stock summary page? Click here for an overview.
Business Description
Union Bank Of The Philippines Inc
ISIN : PHY9091H1069
Description
Union Bank Of The Philippines Inc is a company which provides commercial banking products and services. It offers loans and deposits, cash management, retail banking, foreign exchange, capital markets, corporate and consumer finance, investment management and trust banking. The group's main operating business segments are Consumer Banking, Corporate and Commercial Banking, Treasury and Headquarters. The majority share of groups revenue is generated from Consumer Banking business segment which principally handles individual customers' deposits and provides consumer type loans, such as automobiles and mortgage financing, credit card facilities and funds transfer facilities.
Financial Strength
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Cash-To-Debt | 1.84 | |||||
| Equity-to-Asset | 0.17 | |||||
| Debt-to-Equity | 0.3 | |||||
| Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 2/9 | |||||
| Beneish M-Score | -2.04 | |||||
| WACC vs ROIC | ||||||
Growth Rank
10/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | 15.9 | |||||
| 3-Year EPS without NRI Growth Rate | -19.7 | |||||
| 3-Year Book Growth Rate | 7.8 | |||||
| Future 3-5Y EPS without NRI Growth Rate Estimate | 25.69 | |||||
| Future 3-5Y Total Revenue Growth Rate Estimate | 12.18 |
Momentum Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 46.33 | |||||
| 9-Day RSI | 42.96 | |||||
| 14-Day RSI | 42.47 | |||||
| 3-1 Month Momentum % | -9.78 | |||||
| 6-1 Month Momentum % | -22.88 | |||||
| 12-1 Month Momentum % | -21.96 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 3.06 | |||||
| Dividend Payout Ratio | 0.27 | |||||
| 3-Year Dividend Growth Rate | -6.3 | |||||
| Forward Dividend Yield % | 3.06 | |||||
| 5-Year Yield-on-Cost % | 5.49 | |||||
| 3-Year Average Share Buyback Ratio | -10.2 | |||||
| Shareholder Yield % | -6.79 |
Profitability Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Net Margin % | 13.13 | |||||
| FCF Margin % | -109.9 | |||||
| ROE % | 5.29 | |||||
| ROA % | 0.83 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 11.37 | |||||
| Forward PE Ratio | 6.85 | |||||
| PE Ratio without NRI | 11.37 | |||||
| Shiller PE Ratio | 6.49 | |||||
| PEG Ratio | 1.42 | |||||
| PS Ratio | 1.46 | |||||
| PB Ratio | 0.57 | |||||
| Price-to-Tangible-Book | 0.79 | |||||
| EV-to-Revenue | 0.86 | |||||
| EV-to-Forward-Revenue | 2.47 | |||||
| EV-to-FCF | -0.77 | |||||
| Price-to-GF-Value | 0.44 | |||||
| Price-to-Projected-FCF | 0.61 | |||||
| Price-to-DCF (Earnings Based) | 0.99 | |||||
| Price-to-Median-PS-Value | 0.47 | |||||
| Price-to-Peter-Lynch-Fair-Value | 1.53 | |||||
| Price-to-Graham-Number | 0.63 | |||||
| FCF Yield % | -72.88 | |||||
| Forward Rate of Return (Yacktman) % | 28.28 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
See DetailsInsider Trades
See DetailsPeter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return %
Total Annual Return %
Union Bank Of The Philippines Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil ₱) | 72,582.551 | ||
| EPS (TTM) (₱) | 2.901 | ||
| Beta | 0.67 | ||
| 3-Year Sharpe Ratio | -0.82 | ||
| 3-Year Sortino Ratio | -1.04 | ||
| Volatility % | 26.29 | ||
| 14-Day RSI | 42.47 | ||
| 14-Day ATR (₱) | 0.712287 | ||
| 20-Day SMA (₱) | 33.3175 | ||
| 12-1 Month Momentum % | -21.96 | ||
| 52-Week Range (₱) | 32.45 - 43.8 | ||
| Shares Outstanding (Mil) | 3,316.41 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 2 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Union Bank Of The Philippines Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Union Bank Of The Philippines Inc Stock Events
| Event | Date | Price (₱) | ||
|---|---|---|---|---|
| No Event Data | ||||
Union Bank Of The Philippines Inc Frequently Asked Questions
What is Union Bank Of The Philippines Inc(PHS:UBP)'s stock price today?
The current price of PHS:UBP is ₱33.00. The 52 week high of PHS:UBP is ₱43.80 and 52 week low is ₱32.45.
When is next earnings date of Union Bank Of The Philippines Inc(PHS:UBP)?
The next earnings date of Union Bank Of The Philippines Inc(PHS:UBP) is .
Does Union Bank Of The Philippines Inc(PHS:UBP) pay dividends? If so, how much?
The Dividend Yield % of Union Bank Of The Philippines Inc(PHS:UBP) is 3.06% (As of Today), Highest Dividend Payout Ratio of Union Bank Of The Philippines Inc(PHS:UBP) was 0.58. The lowest was 0.16. And the median was 0.33. The Forward Dividend Yield % of Union Bank Of The Philippines Inc(PHS:UBP) is 3.06%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Survey
We'd love to learn more about your experiences on GuruFocus.com and how we can improve!
Take Survey
Follow Us
Disclaimers