During the past 3 years, the average Dividends Per Share Growth Rate was -18.80% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was -15.60% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 2.70% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Union Bank Of The Philippines was 38.80% per year. The lowest was -25.20% per year. And the median was 9.60% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
Union Bank Of The Philippines (PHS:UBP) Forward Dividend Yield % Explanation
Over the long term, the return from dividends has been a significant contributor to the total returns produced by equity securities. Studies by Elroy Dimson, Paul Marsh, and Mike Staunton of Princeton University (2002) found that a market-oriented portfolio, which included reinvested dividends, would have generated nearly 85 times the wealth generated by the same portfolio relying solely on capital gains.
Dividends may also qualify a lower tax rate for investors.
In dividends investing, Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Union Bank Of The Philippines Forward Dividend Yield % Related Terms
Union Bank Of The Philippines Forward Dividend Yield % Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's Forward Dividend Yield %, along with its competitors' market caps and Forward Dividend Yield % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Union Bank Of The Philippines Forward Dividend Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Forward Dividend Yield % distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's Forward Dividend Yield % falls into.
Union Bank Of The Philippines Forward Dividend Yield % Calculation
Dividend Yield measures how much a company pays out in dividends each year relative to its share price.
Union Bank Of The Philippines Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
PHP 1.000000
2026-03-13
2026-03-16
2026-03-23
Cash Dividend
annually
PHP:PHP 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Forward Dividend Yield % of 4.08% mean?
Union Bank Of The Philippines (PHS:UBP) has a Forward Dividend Yield % of 4.08% as of Jun. 26, 2026. Forward dividend yield is the ratio of company's expected dividends to the share price. View historical data on Union Bank Of The Philippines and its competitors. According to the industry distribution chart, Union Bank Of The Philippines ranks #441 out of 1243 companies in the Banks industry, placing it in the top 35.5%.
Is Union Bank Of The Philippines' Forward Dividend Yield % too high?
Union Bank Of The Philippines' current Forward Dividend Yield % is 4.08%. The Banks industry median Forward Dividend Yield % is 3.14. Union Bank Of The Philippines' value of 4.08% is 29.9% above this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #441 out of 1243 companies in the Banks industry, which is above the industry midpoint. Overall, Union Bank Of The Philippines has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Forward Dividend Yield % compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #441 out of 1243 companies for Forward Dividend Yield %. This puts Union Bank Of The Philippines in the upper half of its industry. The industry median Forward Dividend Yield % is 3.14. Union Bank Of The Philippines' value of 4.08% is 29.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward Dividend Yield % for a Banks company?
The median Forward Dividend Yield % among Banks companies is 3.14, based on 1,243 companies in the industry. Companies in the top quartile (top 25%) have a Forward Dividend Yield % significantly above this median, while those in the bottom quartile fall well below. However, Forward Dividend Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bank Of The Philippines's current Forward Dividend Yield % of 4.08% is 29.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Forward Dividend Yield % mean?
A high Forward Dividend Yield % can signal that a stock is expensive relative to its fundamentals. Forward dividend yield is the ratio of company's expected dividends to the share price. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median Forward Dividend Yield % is 3.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current Forward Dividend Yield % is 4.08%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Bank Of The Philippines stock overvalued right now?
Based on GuruFocus' analysis, Union Bank Of The Philippines (PHS:UBP) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱37.70, compared to a current price of ₱24.50 — trading 35% below its estimated fair value. The current Forward Dividend Yield % is 4.08% and 29.9% above the Banks industry median of 3.14. Union Bank Of The Philippines' overall GF Score™ is 77/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward Dividend Yield % calculated?
Forward Dividend Yield % is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Forward Dividend Yield % is 4.08% as of Jun. 26, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Union Bank Of The Philippines (PHS:UBP) Overvalued in 2026?
Based on GuruFocus' analysis, Union Bank Of The Philippines stock appears to be undervalued.
The current stock price of ₱24.50 is trading 35% below its estimated GF Value™ of ₱37.70.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
Forward Dividend Yield %: 4.08%
GF Value™: ₱37.70 vs. price of ₱24.50 (35% below fair value)
Industry Position: 29.9% above the Banks median (#441 of 1243)
No single metric tells the full story. See the PHS:UBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Bank Of The Philippines Business Description
Union Bank Of The Philippines Inc is a company that 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, Institutional Banking, Mass Market/Digital Banking, Trust and Insurance, Treasury Banking, and Headquarters. The majority share of groups revenue is generated from the 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.
77GF Score
Get the complete analysis for PHS:UBP
Forward Dividend Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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