BDO Unibank (PHS:BDO) Net Loan: ₱3,791,145 Mil (As of Mar. 2026)

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PHS:BDO BDO Unibank Inc PHS:BDO
81 GF Score
Price ₱122.20
GF Value ₱176.29
Valuation Significantly Undervalued
! 3 Warning Signs
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What is BDO Unibank Net Loan?

BDO Unibank PHS:BDO -0.65% 81 Net Loan is ₱3,791,145 Mil as of Mar. 2026. GuruFocus rates PHS:BDO with a GF Score™ of 81/100 and a GF Value™ of ₱176.29 (Significantly Undervalued). The stock has 3 warning signs investors should review.

BDO Unibank's quarterly net loan increased from Sep. 2025 (₱3,581,966 Mil) to Dec. 2025 (₱3,617,800 Mil) and increased from Dec. 2025 (₱3,617,800 Mil) to Mar. 2026 (₱3,791,145 Mil).

BDO Unibank's annual net loan increased from Dec. 2023 (₱2,828,266 Mil) to Dec. 2024 (₱3,617,800 Mil) and increased from Dec. 2024 (₱3,617,800 Mil) to Dec. 2025 (₱3,791,145 Mil).

BDO Unibank Net Loan Historical Data

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The historical data trend for BDO Unibank's Net Loan 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.

BDO Unibank Net Loan Chart

BDO Unibank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,417,295.00 2,696,901.00 2,828,266.00 3,208,051.00 3,617,800.00

BDO Unibank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3,314,252.00 3,475,773.00 3,581,966.00 3,617,800.00 3,791,145.00
PHS:BDO
81GF Score
BDO Unibank Inc PHS:BDO
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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BDO Unibank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of ₱3,791,145 Mil mean?
BDO Unibank (PHS:BDO) has a Net Loan of ₱3,791,145 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on BDO Unibank and its competitors.
Is BDO Unibank's Net Loan too high?
BDO Unibank's current Net Loan is ₱3,791,145 Mil. Overall, BDO Unibank has a GF Score™ of 81/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BDO Unibank's Net Loan compare to competitors?
BDO Unibank's Net Loan of ₱3,791,145 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 Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan 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 Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on BDO Unibank and its competitors. BDO Unibank's current Net Loan is ₱3,791,145 Mil. 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 Significantly Undervalued. The stock's GF Value™ is ₱176.29, compared to a current price of ₱122.20 — trading 30.7% below its estimated fair value. The current Net Loan is ₱3,791,145 Mil. BDO Unibank's overall GF Score™ is 81/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For BDO Unibank (PHS:BDO), the current Net Loan is ₱3,791,145 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 BDO Unibank (PHS:BDO) Overvalued in 2026?

Based on GuruFocus' analysis, BDO Unibank stock appears to be undervalued. The current stock price of ₱122.20 is trading 30.7% below its estimated GF Value™ of ₱176.29. GuruFocus considers BDO Unibank to be Significantly Undervalued.

Key valuation signals for PHS:BDO:

  • Net Loan: ₱3,791,145 Mil
  • GF Value™: ₱176.29 vs. price of ₱122.20 (30.7% below fair value)
  • GF Score™: 81/100 with 3 warning signs

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 Business Description

Other Exchanges BDOUY:USABDOUF:USA
Address 7899 Makati Avenue, BDO Corporate Center, Makati, PHL, 0726
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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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱122.20
Price
₱176.29
GF Value