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Union Bank Of The PhilippinesPHS:UBP -2.27%77 3-Year FCF Growth Rate is 14.20% as of Jun. 2026, which is 173% above its 10-year median of 5.20. GuruFocus rates PHS:UBP with a GF Score™ of 77/100 and a GF Value™ of ₱37.13 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,050 Banks companies, Union Bank Of The Philippines ranks better than 69.71% on this metric.
During the past 12 months, Union Bank Of The Philippines's average Free Cash Flow per Share Growth Rate was 8.90% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 14.20% 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 Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Union Bank Of The Philippines was 178.30% per year. The lowest was -72.80% per year. And the median was 5.20% per year.
Union Bank Of The Philippines (PHS:UBP) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Union Bank Of The Philippines 3-Year FCF Growth Rate Related Terms
Union Bank Of The Philippines 3-Year FCF Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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 FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's 3-Year FCF Growth Rate falls into.
Union Bank Of The Philippines 3-Year FCF Growth Rate Calculation
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 14.20% mean?
Union Bank Of The Philippines (PHS:UBP) has a 3-Year FCF Growth Rate of 14.20% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Union Bank Of The Philippines and its competitors. This is 173% above median its historical median of 5.20. According to the industry distribution chart, Union Bank Of The Philippines ranks #318 out of 1050 companies in the Banks industry, placing it in the top 30.3%.
Is Union Bank Of The Philippines' 3-Year FCF Growth Rate too high?
Union Bank Of The Philippines' current 3-Year FCF Growth Rate of 14.20% is 173% above median its 10-year median of 5.20. The Banks industry median 3-Year FCF Growth Rate is 0.45. Union Bank Of The Philippines' value of 14.20% is 3055.6% above this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #318 out of 1050 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' 3-Year FCF Growth Rate compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #318 out of 1050 companies for 3-Year FCF Growth Rate. This puts Union Bank Of The Philippines in the upper half of its industry. The industry median 3-Year FCF Growth Rate is 0.45. Union Bank Of The Philippines' value of 14.20% is 3055.6% above this benchmark. While the company's 10-year median is 5.20 vs. the industry median of 0.45, 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 3-Year FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.45, based on 1,050 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF 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 FCF Growth Rate of 14.20% is 3055.6% 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 FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Union Bank Of The Philippines and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.45 — 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 FCF Growth Rate is 14.20%, which is 173% above median its own 10-year median of 5.20. 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 ₱37.13, compared to a current price of ₱23.70 — trading 36.2% below its estimated fair value. The current 3-Year FCF Growth Rate is 14.20%, which is 173% above median its 10-year median of 5.20 and 3055.6% above the Banks industry median of 0.45. Union Bank Of The Philippines' overall GF Score™ is 77/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current 3-Year FCF Growth Rate is 14.20% 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 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 ₱23.70 is trading 36.2% below its estimated GF Value™ of ₱37.13.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
3-Year FCF Growth Rate: 14.20% (173% above median its 10-year median of 5.20)
GF Value™: ₱37.13 vs. price of ₱23.70 (36.2% below fair value)
Industry Position: 3055.6% above the Banks median (#318 of 1050)
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
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3-Year FCF Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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