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BDO UnibankPHS:BDO -0.66%81 3-Year Book Growth Rate is 10.90% as of Jun. 2026, which is 5% above its 10-year median of 10.40. GuruFocus rates PHS:BDO with a GF Score™ of 81/100 and a GF Value™ of ₱175.83 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 1,491 Banks companies, BDO Unibank ranks better than 62.31% on this metric.
During the past 12 months, BDO Unibank's average Book Value per Share Growth Rate was 7.70% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 10.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 10.40% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 10.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of BDO Unibank was 17.00% per year. The lowest was -18.90% per year. And the median was 10.40% per year.
BDO Unibank (PHS:BDO) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
BDO Unibank 3-Year Book Growth Rate Related Terms
BDO Unibank 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, BDO Unibank's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate 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.
BDO Unibank 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, BDO Unibank's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where BDO Unibank's 3-Year Book Growth Rate falls into.
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 10.90% mean?
BDO Unibank (PHS:BDO) has a 3-Year Book Growth Rate of 10.90% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for BDO Unibank and its competitors. This is near median its historical median of 10.40. According to the industry distribution chart, BDO Unibank ranks #562 out of 1491 companies in the Banks industry, placing it in the top 37.7%.
Is BDO Unibank's 3-Year Book Growth Rate too high?
BDO Unibank's current 3-Year Book Growth Rate of 10.90% is near median its 10-year median of 10.40. The Banks industry median 3-Year Book Growth Rate is 8.80. BDO Unibank's value of 10.90% is 23.9% above this industry median. Based on the distribution chart, BDO Unibank ranks #562 out of 1491 companies in the Banks industry, which is above the industry midpoint. Overall, BDO Unibank has a GF Score™ of 81/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does BDO Unibank's 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, BDO Unibank ranks #562 out of 1491 companies for 3-Year Book Growth Rate. This puts BDO Unibank in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.80. BDO Unibank's value of 10.90% is 23.9% above this benchmark. While the company's 10-year median is 10.40 vs. the industry median of 8.80, BDO Unibank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,491 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BDO Unibank's current 3-Year Book Growth Rate of 10.90% is 23.9% 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 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for BDO Unibank and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BDO Unibank's current 3-Year Book Growth Rate is 10.90%, which is near median its own 10-year median of 10.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BDO Unibank stock overvalued right now?
Based on GuruFocus' analysis, BDO Unibank (PHS:BDO) is currently considered Possible Value Trap. The stock's GF Value™ is ₱175.83, compared to a current price of ₱120.10 — trading 31.7% below its estimated fair value. The current 3-Year Book Growth Rate is 10.90%, which is near median its 10-year median of 10.40 and 23.9% above the Banks industry median of 8.80. BDO Unibank's overall GF Score™ is 81/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For BDO Unibank (PHS:BDO), the current 3-Year Book Growth Rate is 10.90% as of Jun. 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 BDO Unibank (PHS:BDO) Overvalued in 2026?
Based on GuruFocus' analysis, BDO Unibank stock appears to be undervalued.
The current stock price of ₱120.10 is trading 31.7% below its estimated GF Value™ of ₱175.83.
GuruFocus considers BDO Unibank to be Possible Value Trap.
Key valuation signals for PHS:BDO:
3-Year Book Growth Rate: 10.90% (near median its 10-year median of 10.40)
GF Value™: ₱175.83 vs. price of ₱120.10 (31.7% below fair value)
Industry Position: 23.9% above the Banks median (#562 of 1491)
No single metric tells the full story. See the PHS:BDO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BDO Unibank Inc is a full-service universal bank in the Philippines. The company's operating segment consists of Commercial banking, Investment banking, Private banking, Leasing and financing, Insurance, and Others. The company generates the majority of its revenue from the Commercial Banking segment, which handles the entire lending (corporate and consumer), trade financing and cash management services for corporate and retail customers. Geographically, the majority of its revenue is derived from the Philippines.
81GF Score
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