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During the past 12 months, Union Bank Of The Philippines's average EPS without NRI Growth Rate was 108.40% per year.
During the past 3 years, the average EPS without NRI Growth Rate was -13.60% per year.
During the past 5 years, the average EPS without NRI Growth Rate was -12.30% per year.
During the past 10 years, the average EPS without NRI Growth Rate was -0.40% 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 EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Union Bank Of The Philippines was 46.90% per year. The lowest was -15.50% per year. And the median was 6.10% per year.
Union Bank Of The Philippines (PHS:UBP) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Union Bank Of The Philippines 3-Year EPS without NRI Growth Rate Related Terms
Union Bank Of The Philippines 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI 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 EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's 3-Year EPS without NRI Growth Rate falls into.
Union Bank Of The Philippines 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. 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 EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of -13.60% mean?
Union Bank Of The Philippines (PHS:UBP) has a 3-Year EPS without NRI Growth Rate of -13.60% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Union Bank Of The Philippines and its competitors. According to the industry distribution chart, Union Bank Of The Philippines ranks #1257 out of 1413 companies in the Banks industry, placing it in the top 89%.
Is Union Bank Of The Philippines' 3-Year EPS without NRI Growth Rate too high?
Union Bank Of The Philippines' current 3-Year EPS without NRI Growth Rate is -13.60%. Based on the distribution chart, Union Bank Of The Philippines ranks #1257 out of 1413 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 79/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #1257 out of 1413 companies for 3-Year EPS without NRI Growth Rate. This places Union Bank Of The Philippines in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.30. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.30, based on 1,413 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI 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 EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Union Bank Of The Philippines and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.30 — 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 EPS without NRI Growth Rate is -13.60%. 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 ₱38.06, compared to a current price of ₱25.10 — trading 34.1% below its estimated fair value. The current 3-Year EPS without NRI Growth Rate is -13.60%. Union Bank Of The Philippines' overall GF Score™ is 79/100 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 EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current 3-Year EPS without NRI Growth Rate is -13.60% 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 ₱25.10 is trading 34.1% below its estimated GF Value™ of ₱38.06.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
3-Year EPS without NRI Growth Rate: -13.60%
GF Value™: ₱38.06 vs. price of ₱25.10 (34.1% 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.
79GF Score
Get the complete analysis for PHS:UBP
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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