Union Bank Of The Philippines (PHS:UBP) Accounts Receivable: ₱0 Mil (As of Mar. 2026)

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PHS:UBP Union Bank Of The Philippines Inc PHS:UBP
78 GF Score
Price ₱24.15
GF Value ₱37.90
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Union Bank Of The Philippines Accounts Receivable?

Union Bank Of The Philippines PHS:UBP -1.63% 78 Accounts Receivable is ₱0 Mil as of Mar. 2026. GuruFocus rates PHS:UBP with a GF Score™ of 78/100 and a GF Value™ of ₱37.90 (Significantly Undervalued). The stock has 1 warning sign investors should review.

Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Union Bank Of The Philippines's accounts receivables for the quarter that ended in Mar. 2026 was ₱0 Mil.

Accounts receivable can be measured by Days Sales Outstanding. Union Bank Of The Philippines's Days Sales Outstanding for the quarter that ended in Mar. 2026 was 0.00.

In Ben Graham's calculation of Net-Net Working Capital, accounts receivable are only considered to be worth 75% of book value. Union Bank Of The Philippines's Net-Net Working Capital per share for the quarter that ended in Mar. 2026 was ₱-262.75.

Union Bank Of The Philippines Accounts Receivable Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's accounts receivables are being managed.

Union Bank Of The Philippines's Days Sales Outstanding for the quarter that ended in Mar. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/21732.171*91
=0.00

2. In Ben Graham's calculation of Net-Net Working Capital (NNWC), Union Bank Of The Philippines's accounts receivable are only considered to be worth 75% of book value:

Union Bank Of The Philippines's Net-Net Working Capital Per Share for the quarter that ended in Mar. 2026 is calculated as:

Net-Net Working Capital Per Share
=(Cash And Cash Equivalents+0.75 * Accounts Receivable+0.5 * Total Inventories-Total Liabilities
-Preferred Stock-Minority Interest)/Shares Outstanding (EOP)
=(104863.752+0.75 * 0+0.5 * 0-975529.907
-0-730.556)/3316.406
=-262.75

* 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.

Be Aware

Net receivables tells us a great deal about the different competitors in the same industry. In competitive industries, some attempt to gain advantage by offering better credit terms, causing increase in sales and receivables.

If company consistently shows lower % Net receivables to gross sales than competitors, then it usually has some kind of competitive advantage which requires further digging.

Average Days Sales Outstanding is a good indicator for measuring a company's sales channel and customers. A company may book great revenue and earnings growth but never receive payment from their customers. This may force a write-off in the future and depress future earnings.

Union Bank Of The Philippines Accounts Receivable Related Terms

Union Bank Of The Philippines Accounts Receivable Historical Data

* Premium members only.

The historical data trend for Union Bank Of The Philippines's Accounts Receivable can be seen below:

* 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.

Union Bank Of The Philippines Accounts Receivable Chart

Union Bank Of The Philippines Annual Data
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Accounts Receivable
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Union Bank Of The Philippines Quarterly Data
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PHS:UBP
78GF Score
Union Bank Of The Philippines Inc PHS:UBP
Accounts Receivable is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Bank Of The Philippines Accounts Receivable Calculation

Accounts Receivable is money owed to a business by customers and shown on its Balance Sheet as an asset.

Frequently Asked Questions Learn more about Accounts Receivable →
What does a Accounts Receivable of ₱0 Mil mean?
Union Bank Of The Philippines (PHS:UBP) has a Accounts Receivable of ₱0 Mil as of Mar. 2026. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Union Bank Of The Philippines and its competitors.
Is Union Bank Of The Philippines' Accounts Receivable too high?
Union Bank Of The Philippines' current Accounts Receivable is ₱0 Mil. Overall, Union Bank Of The Philippines has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Accounts Receivable compare to competitors?
Union Bank Of The Philippines' Accounts Receivable of ₱0 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Receivable for a Banks company?
A good Accounts Receivable depends on the Banks industry context. However, Accounts Receivable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Receivable mean?
A high Accounts Receivable can signal that a stock is expensive relative to its fundamentals. Accounts receivable is the amount a company expects to receive from credit-extending customers. View historical data on Union Bank Of The Philippines and its competitors. Union Bank Of The Philippines's current Accounts Receivable is ₱0 Mil. 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 ₱37.90, compared to a current price of ₱24.15 — trading 36.3% below its estimated fair value. The current Accounts Receivable is ₱0 Mil. Union Bank Of The Philippines' overall GF Score™ is 78/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Receivable calculated?
Accounts Receivable is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Accounts Receivable is ₱0 Mil as of Mar. 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 ₱24.15 is trading 36.3% below its estimated GF Value™ of ₱37.90. GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.

Key valuation signals for PHS:UBP:

  • Accounts Receivable: ₱0 Mil
  • GF Value™: ₱37.90 vs. price of ₱24.15 (36.3% below fair value)
  • GF Score™: 78/100 with 1 warning sign

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

Address Meralco Avenue corner Onyx and Sapphire Roads, UnionBank Plaza, Ortigas Center, Pasig, PHL, 1605
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.
78GF Score

Get the complete analysis for PHS:UBP

Accounts Receivable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱24.15
Price
₱37.90
GF Value