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The historical rank and industry rank for Union Bank Of The Philippines's 3-Year Dividend Growth Rate or its related term are showing as below:
PHS:UBP'
s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -25.2 Med: 9.6 Max: 38.8
Current: -18.8
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Union Bank Of The Philippines was 38.80% per year. The lowest was -25.20% per year. And the median was 9.60% per year.
PHS:UBP's 3-Year Dividend Growth Rate is ranked worse than 95.31% of 960
companies
in the Banks industry
Industry Median: 10.1
vs PHS:UBP: -18.80
During the past 3 years, the average Dividends Per Share Growth Rate was -18.80% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was -15.60% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 2.70% 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 dividends per share growth rate.
During the past 13 years, the highest Dividend Payout Ratio of Union Bank Of The Philippines was 0.49. The lowest was 0.14. And the median was 0.30.
2. Dividend Yield % measures how much a company pays out in dividends each year relative to its share price.
Union Bank Of The Philippines Recent Full-Year* Dividend History
Amount
Ex-date
Record Date
Pay Date
Type
Frequency
Forex Rate
PHP 1.000000
2026-03-13
2026-03-16
2026-03-23
Cash Dividend
annually
PHP:PHP 1.000000
* GuruFocus has an internal rule that if the most recent dividend payment frequency is at least 4 times a year, then the full year will be calculated according to the frequency of payment or the one-year time frame, whichever is stricter.
* GuruFocus converts dividend currency to local traded share price currency in order to calculate dividend yield. Please refer to the last column "Forex Rate" in the above table.
Union Bank Of The Philippines's Dividend Yield (%) for Today is calculated as
Current Share Price is ₱25.00.
Union Bank Of The Philippines's Dividends per Share for the trailing twelve months (TTM) ended in Today is ₱1.
During the past 13 years, the highest Dividend Yield of Union Bank Of The Philippines was 7.14%. The lowest was 1.80%. And the median was 3.03%.
Good Sign:
Union Bank Of The Philippines Inc stock Dividend Yield % is close to 3-year high.
* 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 3-Year Dividend Growth Rate Related Terms>
Union Bank Of The Philippines 3-Year Dividend Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's 3-Year Dividend Growth Rate, along with its competitors' market caps and 3-Year Dividend 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 Dividend Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's 3-Year Dividend Growth Rate distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's 3-Year Dividend Growth Rate falls into.
Union Bank Of The Philippines 3-Year Dividend Growth Rate Calculation
This is the average annual rate that a company has been raising its dividends. The growth rate is calculated with expontential compound 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 dividends per share growth rate.
What does a 3-Year Dividend Growth Rate of -18.80% mean?
Union Bank Of The Philippines (PHS:UBP) has a 3-Year Dividend Growth Rate of -18.80% as of Mar. 2026. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Union Bank Of The Philippines and its competitors. According to the industry distribution chart, Union Bank Of The Philippines ranks #915 out of 960 companies in the Banks industry, placing it in the top 95.3%.
Is Union Bank Of The Philippines' 3-Year Dividend Growth Rate too high?
Union Bank Of The Philippines' current 3-Year Dividend Growth Rate is -18.80%. Based on the distribution chart, Union Bank Of The Philippines ranks #915 out of 960 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 Dividend Growth Rate compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #915 out of 960 companies for 3-Year Dividend Growth Rate. This places Union Bank Of The Philippines in the lower half of its industry. The industry median 3-Year Dividend Growth Rate is 10.10. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Dividend Growth Rate for a Banks company?
The median 3-Year Dividend Growth Rate among Banks companies is 10.10, based on 960 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Dividend Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Dividend Growth Rate 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 3-Year Dividend Growth Rate mean?
A high 3-Year Dividend Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Dividend Growth Rate is the company's three-year average growth of dividend payout. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median 3-Year Dividend Growth Rate is 10.10 — 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 Dividend Growth Rate is -18.80%. 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 ₱38.13, compared to a current price of ₱25.00 — trading 34.4% below its estimated fair value. The current 3-Year Dividend Growth Rate is -18.80%. 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 3-Year Dividend Growth Rate calculated?
3-Year Dividend Growth Rate is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current 3-Year Dividend Growth Rate is -18.80% 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 ₱25.00 is trading 34.4% below its estimated GF Value™ of ₱38.13.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
3-Year Dividend Growth Rate: -18.80%
GF Value™: ₱38.13 vs. price of ₱25.00 (34.4% 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 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
3-Year Dividend Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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