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BDO UnibankPHS:BDO -1.26%82 EV-to-OCF is 8.54 as of Jul. 30, 2026, which is 250% above its 10-year median of 2.44. GuruFocus rates PHS:BDO with a GF Score™ of 82/100 and a GF Value™ of ₱170.85 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,500 Banks companies, BDO Unibank ranks worse than 65.73% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, BDO Unibank's Enterprise Value is ₱684,959 Mil.
BDO Unibank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was ₱80,198 Mil. Therefore, BDO Unibank's EV-to-OCF for today is 8.54.
The historical rank and industry rank for BDO Unibank's EV-to-OCF or its related term are showing as below:
PHS:BDO'
s EV-to-OCF Range Over the Past 10 Years
Min: -133.77 Med: 2.44 Max: 171.18
Current: 8.54
During the past 13 years, the highest EV-to-OCF of BDO Unibank was 171.18. The lowest was -133.77. And the median was 2.44.
PHS:BDO's EV-to-OCF is ranked worse than 65.73% of 1500
companies
in the Banks industry
Industry Median: 3.89
vs PHS:BDO: 8.54
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
BDO Unibank's PE Ratio (TTM) for today is calculated as:
BDO Unibank's share price for today is ₱125.40.
BDO Unibank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱16.170.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
BDO Unibank EV-to-OCF Related Terms
BDO Unibank EV-to-OCF Historical Data
* Premium members only.
The historical data trend for BDO Unibank's EV-to-OCF can be seen below:
* 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.
For the Banks - Regional subindustry, BDO Unibank's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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.
BDO Unibank EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, BDO Unibank's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where BDO Unibank's EV-to-OCF falls into.
BDO Unibank's current Enterprise Value is ₱684,959 Mil.
BDO Unibank's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱80,198 Mil.
* 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.
BDO Unibank (PHS:BDO) has a EV-to-OCF of 8.54 as of Jul. 30, 2026. This is 250% above median its historical median of 2.44. According to the industry distribution chart, BDO Unibank ranks #986 out of 1500 companies in the Banks industry, placing it in the top 65.7%.
Is BDO Unibank's EV-to-OCF too high?
BDO Unibank's current EV-to-OCF of 8.54 is 250% above median its 10-year median of 2.44. The Banks industry median EV-to-OCF is 3.89. BDO Unibank's value of 8.54 is 119.5% above this industry median. Based on the distribution chart, BDO Unibank ranks #986 out of 1500 companies in the Banks industry, which is below the industry midpoint. Overall, BDO Unibank has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BDO Unibank's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, BDO Unibank ranks #986 out of 1500 companies for EV-to-OCF. This places BDO Unibank in the lower half of its industry. The industry median EV-to-OCF is 3.89. BDO Unibank's value of 8.54 is 119.5% above this benchmark. While the company's 10-year median is 2.44 vs. the industry median of 3.89, BDO Unibank has consistently been above 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.89, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BDO Unibank's current EV-to-OCF of 8.54 is 119.5% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BDO Unibank's current EV-to-OCF is 8.54, which is 250% above median its own 10-year median of 2.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BDO Unibank stock overvalued right now?
Based on GuruFocus' analysis, BDO Unibank (PHS:BDO) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱170.85, compared to a current price of ₱125.40 — trading 26.6% below its estimated fair value. The current EV-to-OCF is 8.54, which is 250% above median its 10-year median of 2.44 and 119.5% above the Banks industry median of 3.89. BDO Unibank's overall GF Score™ is 82/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For BDO Unibank (PHS:BDO), the current EV-to-OCF is 8.54 as of Jul. 30, 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 BDO Unibank (PHS:BDO) Overvalued in 2026?
Based on GuruFocus' analysis, BDO Unibank stock appears to be undervalued.
The current stock price of ₱125.40 is trading 26.6% below its estimated GF Value™ of ₱170.85.
GuruFocus considers BDO Unibank to be Modestly Undervalued.
Key valuation signals for PHS:BDO:
EV-to-OCF: 8.54 (250% above median its 10-year median of 2.44)
GF Value™: ₱170.85 vs. price of ₱125.40 (26.6% below fair value)
Industry Position: 119.5% above the Banks median (#986 of 1500)
No single metric tells the full story. See the PHS:BDO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BDO Unibank Inc is a full-service universal bank in the Philippines. The company's operating segment consists of Commercial banking, Investment banking, Private banking, Leasing and financing, Insurance, and Others. The company generates the majority of its revenue from the Commercial Banking segment, which handles the entire lending (corporate and consumer), trade financing and cash management services for corporate and retail customers. Geographically, the majority of its revenue is derived from the Philippines.
82GF Score
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