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.
The historical rank and industry rank for Union Bank Of The Philippines's EV-to-FCF or its related term are showing as below:
PHS:UBP'
s EV-to-FCF Range Over the Past 10 Years
Min: -84.09 Med: -0.41 Max: 9.38
Current: 0.5
During the past 13 years, the highest EV-to-FCF of Union Bank Of The Philippines was 9.38. The lowest was -84.09. And the median was -0.41.
PHS:UBP's EV-to-FCF is ranked better than 82.24% of 1194
companies
in the Banks industry
Industry Median: 7.28
vs PHS:UBP: 0.50
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.
Union Bank Of The Philippines (PHS:UBP) EV-to-FCF Explanation
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.
Union Bank Of The Philippines's PE Ratio (TTM) for today is calculated as:
Union Bank Of The Philippines's share price for today is ₱25.00.
Union Bank Of The Philippines'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 ₱7.180.
* 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.
Union Bank Of The Philippines EV-to-FCF Related Terms
Union Bank Of The Philippines EV-to-FCF Historical Data
* 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 EV-to-FCF Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines'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.
Union Bank Of The Philippines EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's EV-to-FCF falls into.
Union Bank Of The Philippines's current Enterprise Value is ₱18,468 Mil.
Union Bank Of The Philippines'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 ₱43,336 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.
Union Bank Of The Philippines (PHS:UBP) has a EV-to-FCF of 0.43 as of Aug. 08, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Union Bank Of The Philippines and its competitors. According to the industry distribution chart, Union Bank Of The Philippines ranks #212 out of 1194 companies in the Banks industry, placing it in the top 17.8%.
Is Union Bank Of The Philippines' EV-to-FCF too high?
Union Bank Of The Philippines' current EV-to-FCF is 0.43. The Banks industry median EV-to-FCF is 7.28. Union Bank Of The Philippines' value of 0.43 is 94.1% below this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #212 out of 1194 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' EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #212 out of 1194 companies for EV-to-FCF. This places Union Bank Of The Philippines in the top 18% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 7.28. Union Bank Of The Philippines' value of 0.43 is 94.1% 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 7.28, based on 1,194 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. Union Bank Of The Philippines's current EV-to-FCF of 0.43 is 94.1% 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 Union Bank Of The Philippines and its competitors. For the Banks industry, the median EV-to-FCF is 7.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current EV-to-FCF is 0.43. 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 EV-to-FCF is 0.43 and 94.1% below the Banks industry median of 7.28. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current EV-to-FCF is 0.43 as of Aug. 08, 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:
EV-to-FCF: 0.43
GF Value™: ₱38.13 vs. price of ₱25.00 (34.4% below fair value)
Industry Position: 94.1% below the Banks median (#212 of 1194)
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
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:UBP has been successfully added to your 
