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* 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-Revenue Chart
Union Bank Of The Philippines Debt-to-Revenue Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's Debt-to-Revenue, along with its competitors' market caps and Debt-to-Revenue 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-Revenue vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Debt-to-Revenue distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's Debt-to-Revenue 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.
In the calculation of annual Debt-to-Revenue, the Revenue of the last fiscal year is used. In calculating the annualized quarterly data,
the Revenue data used here is four times the quarterly (Jun. 2026) Revenue data.
Union Bank Of The Philippines (PHS:UBP) has a Debt-to-Revenue of 2.19 as of Jun. 2026.
Is Union Bank Of The Philippines' Debt-to-Revenue too high?
Union Bank Of The Philippines' current Debt-to-Revenue is 2.19. Overall, Union Bank Of The Philippines has a GF Score™ of 76/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Debt-to-Revenue compare to competitors?
Union Bank Of The Philippines' Debt-to-Revenue of 2.19 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 Debt-to-Revenue for a Banks company?
A good Debt-to-Revenue depends on the Banks industry context. However, Debt-to-Revenue 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 Debt-to-Revenue mean?
A high Debt-to-Revenue can signal that a stock is expensive relative to its fundamentals. Union Bank Of The Philippines's current Debt-to-Revenue is 2.19. 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 ₱36.48, compared to a current price of ₱21.70 — trading 40.5% below its estimated fair value. The current Debt-to-Revenue is 2.19. Union Bank Of The Philippines' overall GF Score™ is 76/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Revenue calculated?
Debt-to-Revenue is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Debt-to-Revenue is 2.19 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 ₱21.70 is trading 40.5% below its estimated GF Value™ of ₱36.48.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
Debt-to-Revenue: 2.19
GF Value™: ₱36.48 vs. price of ₱21.70 (40.5% below fair value)
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, known as UnionBank, is a universal bank headquartered in the Philippines. It serves retail, high-net-worth, corporate, institutional, and government clients through segments including consumer banking, institutional banking, mass market and digital banking, treasury, and trust and insurance. Its offerings span deposits, consumer and corporate lending, credit cards, mortgages, auto loans, cash management, foreign exchange, capital markets, investment management, and trust services. UnionBank operates a nationwide branch network alongside digital platforms such as its UnionBank Online app and the mass-market digital bank UnionDigital, and it has expanded through acquisitions including Citigroup's Philippine consumer banking business and the digital bank UNO. Revenue comes mainly from net interest income on loans and investments, supplemented by fees, commissions, trading gains, and insurance and trust-related income.
76GF Score
Get the complete analysis for PHS:UBP
Debt-to-Revenue is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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