Union Bank Of The Philippines (PHS:UBP) Net Loan: ₱553,568 Mil (As of Mar. 2026)


PHS:UBP Union Bank Of The Philippines Inc PHS:UBP
75 GF Score
Price ₱24.30
GF Value ₱37.78
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Union Bank Of The Philippines Net Loan?

Union Bank Of The Philippines PHS:UBP +2.53% 75 Net Loan is ₱553,568 Mil as of Mar. 2026. GuruFocus rates PHS:UBP with a GF Score™ of 75/100 and a GF Value™ of ₱37.78 (Significantly Undervalued). The stock has 1 warning sign investors should review.

Union Bank Of The Philippines's quarterly net loan declined from Sep. 2025 (₱521,663 Mil) to Dec. 2025 (₱506,709 Mil) but then increased from Dec. 2025 (₱506,709 Mil) to Mar. 2026 (₱553,568 Mil).

Union Bank Of The Philippines's annual net loan increased from Dec. 2023 (₱487,436 Mil) to Dec. 2024 (₱506,709 Mil) and increased from Dec. 2024 (₱506,709 Mil) to Dec. 2025 (₱553,568 Mil).

Union Bank Of The Philippines Net Loan Historical Data

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The historical data trend for Union Bank Of The Philippines'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.

Union Bank Of The Philippines Net Loan Chart

Union Bank Of The Philippines 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 327,865.00 443,697.73 487,435.58 487,515.86 506,708.78

Union Bank Of The Philippines 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 510,414.21 519,003.27 521,663.00 506,708.78 553,568.27
PHS:UBP
75GF Score
Union Bank Of The Philippines Inc PHS:UBP
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Bank Of The Philippines 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 ₱553,568 Mil mean?
Union Bank Of The Philippines (PHS:UBP) has a Net Loan of ₱553,568 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Union Bank Of The Philippines and its competitors.
Is Union Bank Of The Philippines' Net Loan too high?
Union Bank Of The Philippines' current Net Loan is ₱553,568 Mil. Overall, Union Bank Of The Philippines has a GF Score™ of 75/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Net Loan compare to competitors?
Union Bank Of The Philippines' Net Loan of ₱553,568 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 Union Bank Of The Philippines and its competitors. Union Bank Of The Philippines's current Net Loan is ₱553,568 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 ₱37.78, compared to a current price of ₱24.30 — trading 35.7% below its estimated fair value. The current Net Loan is ₱553,568 Mil. Union Bank Of The Philippines' overall GF Score™ is 75/100 with 1 warning sign 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 Union Bank Of The Philippines (PHS:UBP), the current Net Loan is ₱553,568 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 ₱24.30 is trading 35.7% below its estimated GF Value™ of ₱37.78. GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.

Key valuation signals for PHS:UBP:

  • Net Loan: ₱553,568 Mil
  • GF Value™: ₱37.78 vs. price of ₱24.30 (35.7% below fair value)
  • GF Score™: 75/100 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.
75GF Score

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

₱24.30
Price
₱37.78
GF Value