Union Bank Of The PhilippinesPHS:UBP 78 Debt-to-Equity is 0.20 as of Mar. 2026, which is 57% below its 10-year median of 0.47. GuruFocus rates PHS:UBP with a GF Score™ of 78/100 and a GF Value™ of ₱37.83 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,422 Banks companies, Union Bank Of The Philippines ranks better than 76.65% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Union Bank Of The Philippines's Debt-to-Equity or its related term are showing as below:
PHS:UBP'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.1 Med: 0.47 Max: 1.2
Current: 0.2
During the past 13 years, the highest Debt-to-Equity Ratio of Union Bank Of The Philippines was 1.20. The lowest was 0.10. And the median was 0.47.
PHS:UBP's Debt-to-Equity is ranked better than 76.65% of 1422
companies
in the Banks industry
Industry Median: 0.56
vs PHS:UBP: 0.20
Union Bank Of The Philippines (PHS:UBP) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Union Bank Of The Philippines Debt-to-Equity Related Terms
Union Bank Of The Philippines Debt-to-Equity 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.
Union Bank Of The Philippines Debt-to-Equity Chart
Union Bank Of The Philippines Debt-to-Equity Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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 Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's Debt-to-Equity 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 Debt-to-Equity of 0.20 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Union Bank Of The Philippines and its competitors. This is 57% below median its historical median of 0.47. Over the past decade, Union Bank Of The Philippines' Debt-to-Equity has ranged from 0.10 to 1.20. According to the industry distribution chart, Union Bank Of The Philippines ranks #332 out of 1422 companies in the Banks industry, placing it in the top 23.3%.
Is Union Bank Of The Philippines' Debt-to-Equity too high?
Union Bank Of The Philippines' current Debt-to-Equity of 0.20 is 57% below median its 10-year median of 0.47. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 1.20. The Banks industry median Debt-to-Equity is 0.56. Union Bank Of The Philippines' value of 0.20 is 64.3% below this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #332 out of 1422 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Union Bank Of The Philippines has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Debt-to-Equity compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #332 out of 1422 companies for Debt-to-Equity. This places Union Bank Of The Philippines in the top 23% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. Union Bank Of The Philippines' value of 0.20 is 64.3% below this benchmark. Historically, Union Bank Of The Philippines' own Debt-to-Equity has ranged from 0.10 to 1.20 over the past decade. While the company's 10-year median is 0.47 vs. the industry median of 0.56, Union Bank Of The Philippines has consistently been below 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bank Of The Philippines's current Debt-to-Equity of 0.20 is 64.3% below 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current Debt-to-Equity is 0.20, which is 57% below median its own 10-year median of 0.47. 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 ₱37.83, compared to a current price of ₱24.15 — trading 36.2% below its estimated fair value. The current Debt-to-Equity is 0.20, which is 57% below median its 10-year median of 0.47 and 64.3% below the Banks industry median of 0.56. Union Bank Of The Philippines' overall GF Score™ is 78/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Debt-to-Equity is 0.20 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 ₱24.15 is trading 36.2% below its estimated GF Value™ of ₱37.83.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
Debt-to-Equity: 0.20 (57% below median its 10-year median of 0.47)
GF Value™: ₱37.83 vs. price of ₱24.15 (36.2% below fair value)
Industry Position: 64.3% below the Banks median (#332 of 1422)
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
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.
78GF Score
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