Union Bank Of The Philippines (PHS:UBP) Payments of Debt: ₱-495,143 Mil (TTM As of Mar. 2026)


PHS:UBP Union Bank Of The Philippines Inc PHS:UBP
77 GF Score
Price ₱24.40
GF Value ₱37.70
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Union Bank Of The Philippines Payments of Debt?

Union Bank Of The Philippines PHS:UBP -0.41% 77 Payments of Debt is ₱-495,143 Mil as of Mar. 2026. GuruFocus rates PHS:UBP with a GF Score™ of 77/100 and a GF Value™ of ₱37.70 (Significantly Undervalued). The stock has 1 warning sign investors should review.

Union Bank Of The Philippines's Payments of Debt for the three months ended in Mar. 2026 was ₱-72,431 Mil.

Union Bank Of The Philippines's Payments of Debt for the trailing twelve months (TTM) ended in Mar. 2026 was ₱-495,143 Mil.

Union Bank Of The Philippines Payments of Debt Related Terms

Union Bank Of The Philippines Payments of Debt Historical Data

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The historical data trend for Union Bank Of The Philippines's Payments of Debt 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 Payments of Debt Chart

Union Bank Of The Philippines Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Payments of Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only -134,720.63 -263,908.83 -1,312,948.60 -981,044.37 -684,438.93

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
Payments of Debt 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 -261,727.08 -200,338.45 -101,446.92 -120,926.48 -72,430.98
PHS:UBP
77GF Score
Union Bank Of The Philippines Inc PHS:UBP
Payments of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Bank Of The Philippines Payments of Debt Calculation

Payments of Debt represents all the cash outflow from debt, including both long-term debt and short-term debt.

Payments of Debt for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱-495,143 Mil.

* 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.

Frequently Asked Questions Learn more about Payments of Debt →
What does a Payments of Debt of ₱-495,143 Mil mean?
Union Bank Of The Philippines (PHS:UBP) has a Payments of Debt of ₱-495,143 Mil as of Mar. 2026. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Union Bank Of The Philippines and its competitors.
Is Union Bank Of The Philippines' Payments of Debt too high?
Union Bank Of The Philippines' current Payments of Debt is ₱-495,143 Mil. 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' Payments of Debt compare to competitors?
Union Bank Of The Philippines' Payments of Debt of ₱-495,143 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 Payments of Debt for a Banks company?
A good Payments of Debt depends on the Banks industry context. However, Payments of Debt 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 Payments of Debt mean?
A high Payments of Debt can signal that a stock is expensive relative to its fundamentals. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Union Bank Of The Philippines and its competitors. Union Bank Of The Philippines's current Payments of Debt is ₱-495,143 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 ₱37.70, compared to a current price of ₱24.40 — trading 35.3% below its estimated fair value. The current Payments of Debt is ₱-495,143 Mil. 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 Payments of Debt calculated?
Payments of Debt is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Payments of Debt is ₱-495,143 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 ₱24.40 is trading 35.3% below its estimated GF Value™ of ₱37.70. GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.

Key valuation signals for PHS:UBP:

  • Payments of Debt: ₱-495,143 Mil
  • GF Value™: ₱37.70 vs. price of ₱24.40 (35.3% below fair value)
  • GF Score™: 77/100 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.
77GF Score

Get the complete analysis for PHS:UBP

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

₱24.40
Price
₱37.70
GF Value