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Union Bank Of The Philippines (PHS:UBP) Future 3-5Y EPS without NRI Growth Rate Explanation
Future 3-5Y EPS without NRI Growth Rate s the average growth rate of earnings per share (EPS) estimates over a 3-year to 5-year period.
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 earnings per share (EPS) estimates growth rate.
Union Bank Of The Philippines Future 3-5Y EPS without NRI Growth Rate Related Terms
Union Bank Of The Philippines Future 3-5Y EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's Future 3-5Y EPS without NRI Growth Rate, along with its competitors' market caps and Future 3-5Y 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 Future 3-5Y EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Future 3-5Y EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's Future 3-5Y EPS without NRI Growth Rate falls into.
What does a Future 3-5Y EPS without NRI Growth Rate of 19.15 mean?
Union Bank Of The Philippines (PHS:UBP) has a Future 3-5Y EPS without NRI Growth Rate of 19.15 as of Sep. 07, 2026. EPS Growth Rate (Future 3Y To 5Y Estimate) is the average growth rate of earnings per share (EPS) estimates over a 3-year to 5-year period. View historical data for Union Bank Of The Philippines and its competitors. According to the industry distribution chart, Union Bank Of The Philippines ranks #97 out of 502 companies in the Banks industry, placing it in the top 19.3%.
Is Union Bank Of The Philippines' Future 3-5Y EPS without NRI Growth Rate too high?
Union Bank Of The Philippines' current Future 3-5Y EPS without NRI Growth Rate is 19.15. The Banks industry median Future 3-5Y EPS without NRI Growth Rate is 11.06. Union Bank Of The Philippines' value of 19.15 is 73.1% above this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #97 out of 502 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 77/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Future 3-5Y EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #97 out of 502 companies for Future 3-5Y EPS without NRI Growth Rate. This places Union Bank Of The Philippines in the top 19% of its industry — outperforming the majority of peers. The industry median Future 3-5Y EPS without NRI Growth Rate is 11.06. Union Bank Of The Philippines' value of 19.15 is 73.1% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Future 3-5Y EPS without NRI Growth Rate for a Banks company?
The median Future 3-5Y EPS without NRI Growth Rate among Banks companies is 11.06, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a Future 3-5Y EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, Future 3-5Y EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bank Of The Philippines's current Future 3-5Y EPS without NRI Growth Rate of 19.15 is 73.1% above 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 Future 3-5Y EPS without NRI Growth Rate mean?
A high Future 3-5Y EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. EPS Growth Rate (Future 3Y To 5Y Estimate) is the average growth rate of earnings per share (EPS) estimates over a 3-year to 5-year period. View historical data for Union Bank Of The Philippines and its competitors. For the Banks industry, the median Future 3-5Y EPS without NRI Growth Rate is 11.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current Future 3-5Y EPS without NRI Growth Rate is 19.15. 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 ₱37.23, compared to a current price of ₱23.50 — trading 36.9% below its estimated fair value. The current Future 3-5Y EPS without NRI Growth Rate is 19.15 and 73.1% above the Banks industry median of 11.06. Union Bank Of The Philippines' overall GF Score™ is 77/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Future 3-5Y EPS without NRI Growth Rate calculated?
Future 3-5Y EPS without NRI Growth Rate is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Future 3-5Y EPS without NRI Growth Rate is 19.15 as of Sep. 07, 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 ₱23.50 is trading 36.9% below its estimated GF Value™ of ₱37.23.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
Future 3-5Y EPS without NRI Growth Rate: 19.15
GF Value™: ₱37.23 vs. price of ₱23.50 (36.9% below fair value)
Industry Position: 73.1% above the Banks median (#97 of 502)
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
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Future 3-5Y 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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