What is Union Bank Of The Philippines FCF Margin %?
Union Bank Of The PhilippinesPHS:UBP -1.21%77 FCF Margin % is 23.21% as of Mar. 2026, which is 61% below its 10-year median of 59.42. GuruFocus rates PHS:UBP with a GF Score™ of 77/100 and a GF Value™ of ₱37.70 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,505 Banks companies, Union Bank Of The Philippines ranks better than 75.81% on this metric.
* 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 FCF Margin % Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's FCF Margin % falls into.
* 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 FCF Margin % of 23.21% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Union Bank Of The Philippines and its competitors. This is 61% below median its historical median of 59.42. According to the industry distribution chart, Union Bank Of The Philippines ranks #364 out of 1505 companies in the Banks industry, placing it in the top 24.2%.
Is Union Bank Of The Philippines' FCF Margin % too high?
Union Bank Of The Philippines' current FCF Margin % of 23.21% is 61% below median its 10-year median of 59.42. The Banks industry median FCF Margin % is 26.55. Union Bank Of The Philippines' value of 23.21% is 12.6% below this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #364 out of 1505 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' FCF Margin % compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #364 out of 1505 companies for FCF Margin %. This places Union Bank Of The Philippines in the top 24% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.55. Union Bank Of The Philippines' value of 23.21% is 12.6% below this benchmark. While the company's 10-year median is 59.42 vs. the industry median of 26.55, Union Bank Of The Philippines has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.55, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bank Of The Philippines's current FCF Margin % of 23.21% is 12.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median FCF Margin % is 26.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current FCF Margin % is 23.21%, which is 61% below median its own 10-year median of 59.42. 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 ₱37.70, compared to a current price of ₱24.50 — trading 35% below its estimated fair value. The current FCF Margin % is 23.21%, which is 61% below median its 10-year median of 59.42 and 12.6% below the Banks industry median of 26.55. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current FCF Margin % is 23.21% 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 ₱24.50 is trading 35% below its estimated GF Value™ of ₱37.70.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
FCF Margin %: 23.21% (61% below median its 10-year median of 59.42)
GF Value™: ₱37.70 vs. price of ₱24.50 (35% below fair value)
Industry Position: 12.6% below the Banks median (#364 of 1505)
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 Business Description
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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