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What is Union Bank Of The Philippines Cash-to-Debt?
Union Bank Of The PhilippinesPHS:UBP +2.82%77 Cash-to-Debt is 2.64 as of Mar. 2026, which is 14% above its 10-year median of 2.31. GuruFocus rates PHS:UBP with a GF Score™ of 77/100 and a GF Value™ of ₱38.09 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,484 Banks companies, Union Bank Of The Philippines ranks better than 64.76% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Union Bank Of The Philippines's cash to debt ratio for the quarter that ended in Mar. 2026 was 2.64.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, Union Bank Of The Philippinescould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for Union Bank Of The Philippines's Cash-to-Debt or its related term are showing as below:
PHS:UBP'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.5 Med: 2.31 Max: 14.54
Current: 2.64
During the past 13 years, Union Bank Of The Philippines's highest Cash to Debt Ratio was 14.54. The lowest was 0.50. And the median was 2.31.
PHS:UBP's Cash-to-Debt is ranked better than 64.76% of 1484
companies
in the Banks industry
Industry Median: 1.38
vs PHS:UBP: 2.64
Union Bank Of The Philippines (PHS:UBP) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Union Bank Of The Philippines Cash-to-Debt Related Terms
Union Bank Of The Philippines Cash-to-Debt Historical Data
* 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Union Bank Of The Philippines Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's Cash-to-Debt falls into.
* 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 (PHS:UBP) has a Cash-to-Debt of 2.64 as of Mar. 2026. This is 14% above median its historical median of 2.31. Over the past decade, Union Bank Of The Philippines' Cash-to-Debt has ranged from 0.50 to 14.54. According to the industry distribution chart, Union Bank Of The Philippines ranks #523 out of 1484 companies in the Banks industry, placing it in the top 35.2%.
Is Union Bank Of The Philippines' Cash-to-Debt too high?
Union Bank Of The Philippines' current Cash-to-Debt of 2.64 is 14% above median its 10-year median of 2.31. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 14.54. The Banks industry median Cash-to-Debt is 1.38. Union Bank Of The Philippines' value of 2.64 is 91.3% above this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #523 out of 1484 companies in the Banks industry, which is above the industry midpoint. Overall, Union Bank Of The Philippines has a GF Score™ of 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #523 out of 1484 companies for Cash-to-Debt. This puts Union Bank Of The Philippines in the upper half of its industry. The industry median Cash-to-Debt is 1.38. Union Bank Of The Philippines' value of 2.64 is 91.3% above this benchmark. Historically, Union Bank Of The Philippines' own Cash-to-Debt has ranged from 0.50 to 14.54 over the past decade. While the company's 10-year median is 2.31 vs. the industry median of 1.38, Union Bank Of The Philippines 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.38, based on 1,484 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bank Of The Philippines's current Cash-to-Debt of 2.64 is 91.3% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current Cash-to-Debt is 2.64, which is 14% above median its own 10-year median of 2.31. 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 ₱25.50 — trading 33.1% below its estimated fair value. The current Cash-to-Debt is 2.64, which is 14% above median its 10-year median of 2.31 and 91.3% above the Banks industry median of 1.38. Union Bank Of The Philippines' overall GF Score™ is 77/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Cash-to-Debt is 2.64 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 ₱25.50 is trading 33.1% 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:
Cash-to-Debt: 2.64 (14% above median its 10-year median of 2.31)
GF Value™: ₱38.09 vs. price of ₱25.50 (33.1% below fair value)
Industry Position: 91.3% above the Banks median (#523 of 1484)
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.
77GF Score
Get the complete analysis for PHS:UBP
Cash-to-Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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