Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Asia United Bank's Enterprise Value is ₱31,616 Mil.
Asia United Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₱17,338 Mil. Therefore, Asia United Bank's EV-to-FCF for today is 1.82.
The historical rank and industry rank for Asia United Bank's EV-to-FCF or its related term are showing as below:
PHS:AUB'
s EV-to-FCF Range Over the Past 10 Years
Min: -69.52 Med: -0.45 Max: 14.9
Current: 1.77
During the past 13 years, the highest EV-to-FCF of Asia United Bank was 14.90. The lowest was -69.52. And the median was -0.45.
PHS:AUB's EV-to-FCF is ranked better than 73.02% of 1197
companies
in the Banks industry
Industry Median: 7.25
vs PHS:AUB: 1.77
EV-to-FCF 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-FCF 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.
Asia United Bank's PE Ratio (TTM) for today is calculated as:
Asia United Bank's share price for today is ₱49.60.
Asia United Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱8.769.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Asia United Bank EV-to-FCF Related Terms
Asia United Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Asia United Bank's EV-to-FCF 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, Asia United Bank's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
Asia United Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Asia United Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Asia United Bank's EV-to-FCF falls into.
Asia United Bank's current Enterprise Value is ₱31,616 Mil.
Asia United Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱17,338 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.
Asia United Bank (PHS:AUB) has a EV-to-FCF of 1.82 as of Aug. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Asia United Bank and its competitors. According to the industry distribution chart, Asia United Bank ranks #323 out of 1197 companies in the Banks industry, placing it in the top 27%.
Is Asia United Bank's EV-to-FCF too high?
Asia United Bank's current EV-to-FCF is 1.82. The Banks industry median EV-to-FCF is 7.25. Asia United Bank's value of 1.82 is 74.9% below this industry median. Based on the distribution chart, Asia United Bank ranks #323 out of 1197 companies in the Banks industry, which is above the industry midpoint. Overall, Asia United Bank has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Asia United Bank's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Asia United Bank ranks #323 out of 1197 companies for EV-to-FCF. This puts Asia United Bank in the upper half of its industry. The industry median EV-to-FCF is 7.25. Asia United Bank's value of 1.82 is 74.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 7.25, based on 1,197 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Asia United Bank's current EV-to-FCF of 1.82 is 74.9% below 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Asia United Bank and its competitors. For the Banks industry, the median EV-to-FCF is 7.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia United Bank's current EV-to-FCF is 1.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia United Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia United Bank (PHS:AUB) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱38.46, compared to a current price of ₱49.60 — trading 29% above its estimated fair value. The current EV-to-FCF is 1.82 and 74.9% below the Banks industry median of 7.25. Asia United Bank's overall GF Score™ is 64/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Asia United Bank (PHS:AUB), the current EV-to-FCF is 1.82 as of Aug. 04, 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 Asia United Bank (PHS:AUB) Overvalued in 2026?
Based on GuruFocus' analysis, Asia United Bank stock appears to be overvalued.
The current stock price of ₱49.60 is trading 29% above its estimated GF Value™ of ₱38.46.
GuruFocus considers Asia United Bank to be Modestly Overvalued.
Key valuation signals for PHS:AUB:
EV-to-FCF: 1.82
GF Value™: ₱38.46 vs. price of ₱49.60 (29% above fair value)
Industry Position: 74.9% below the Banks median (#323 of 1197)
No single metric tells the full story. See the PHS:AUB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asia United Bank Corp is a banking service provider in the Philippines. It offers banking and financial products to corporate and individual customers. It functions through five divisions. Commercial Banking provides lending, trade, and cash management services to corporate and institutional customers. The Consumer Banking segment offers banking services to retail customers. The Treasury segment functions include managing the group's reserve and liquidity position and maintaining its balance sheet by investing in sovereign and corporate debt instruments. The Branch Banking segment, which is the key revenue driver, offers retail deposit products. The Others segment includes the group's income from trust activities, remittances, investment banking, and gains on foreclosed properties.
64GF Score
Get the complete analysis for PHS:AUB
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:AUB has been successfully added to your 
