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Union Bank Of The PhilippinesPHS:UBP -0.40%79 3-Year Book Growth Rate is 5.90% as of Mar. 2026, which is 32% below its 10-year median of 8.70. GuruFocus rates PHS:UBP with a GF Score™ of 79/100 and a GF Value™ of ₱38.09 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,497 Banks companies, Union Bank Of The Philippines ranks worse than 68.27% on this metric.
During the past 12 months, Union Bank Of The Philippines's average Book Value per Share Growth Rate was 4.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 5.90% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 6.20% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 7.90% 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 Union Bank Of The Philippines was 16.20% per year. The lowest was 5.90% per year. And the median was 8.70% per year.
Union Bank Of The Philippines (PHS:UBP) 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.
Union Bank Of The Philippines 3-Year Book Growth Rate Related Terms
Union Bank Of The Philippines 3-Year Book Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines'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.
Union Bank Of The Philippines 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's 3-Year Book Growth Rate falls into.
Union Bank Of The Philippines 3-Year Book Growth Rate Calculation
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 5.90% mean?
Union Bank Of The Philippines (PHS:UBP) has a 3-Year Book Growth Rate of 5.90% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Union Bank Of The Philippines and its competitors. This is 32% below median its historical median of 8.70. Over the past decade, Union Bank Of The Philippines' 3-Year Book Growth Rate has ranged from 5.90 to 16.20. According to the industry distribution chart, Union Bank Of The Philippines ranks #1022 out of 1497 companies in the Banks industry, placing it in the top 68.3%.
Is Union Bank Of The Philippines' 3-Year Book Growth Rate too high?
Union Bank Of The Philippines' current 3-Year Book Growth Rate of 5.90% is 32% below median its 10-year median of 8.70. Over the past 10 years, this metric has ranged from a low of 5.90 to a high of 16.20. The Banks industry median 3-Year Book Growth Rate is 8.70. Union Bank Of The Philippines' value of 5.90% is 32.2% below this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #1022 out of 1497 companies in the Banks industry, which is below the industry midpoint. Overall, Union Bank Of The Philippines has a GF Score™ of 79/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' 3-Year Book Growth Rate compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #1022 out of 1497 companies for 3-Year Book Growth Rate. This places Union Bank Of The Philippines in the lower half of its industry. The industry median 3-Year Book Growth Rate is 8.70. Union Bank Of The Philippines' value of 5.90% is 32.2% below this benchmark. Historically, Union Bank Of The Philippines' own 3-Year Book Growth Rate has ranged from 5.90 to 16.20 over the past decade. While the company's 10-year median is 8.70 vs. the industry median of 8.70, Union Bank Of The Philippines has consistently been below 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 8.70, based on 1,497 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. Union Bank Of The Philippines's current 3-Year Book Growth Rate of 5.90% is 32.2% below 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 Union Bank Of The Philippines and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current 3-Year Book Growth Rate is 5.90%, which is 32% below median its own 10-year median of 8.70. 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 ₱38.09, compared to a current price of ₱24.80 — trading 34.9% below its estimated fair value. The current 3-Year Book Growth Rate is 5.90%, which is 32% below median its 10-year median of 8.70 and 32.2% below the Banks industry median of 8.70. Union Bank Of The Philippines' overall GF Score™ is 79/100 with 1 warning sign 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 Union Bank Of The Philippines (PHS:UBP), the current 3-Year Book Growth Rate is 5.90% 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 ₱24.80 is trading 34.9% below its estimated GF Value™ of ₱38.09.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
3-Year Book Growth Rate: 5.90% (32% below median its 10-year median of 8.70)
GF Value™: ₱38.09 vs. price of ₱24.80 (34.9% below fair value)
Industry Position: 32.2% below the Banks median (#1022 of 1497)
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 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.
79GF Score
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3-Year Book Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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