What is Union Bank Of The Philippines FCF Yield %?
Union Bank Of The PhilippinesPHS:UBP -1.21%77 FCF Yield % is 53.34 as of Jun. 26, 2026, which is 160% above its 10-year median of 20.52. 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 88.17% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Union Bank Of The Philippines FCF Yield % Explanation
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Union Bank Of The Philippines FCF Yield % Related Terms
Union Bank Of The Philippines FCF Yield % 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 FCF Yield % Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's FCF Yield % 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 Yield % of 53.34 as of Jun. 26, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Union Bank Of The Philippines and its competitors. This is 160% above median its historical median of 20.52. According to the industry distribution chart, Union Bank Of The Philippines ranks #178 out of 1505 companies in the Banks industry, placing it in the top 11.8%.
Is Union Bank Of The Philippines' FCF Yield % too high?
Union Bank Of The Philippines' current FCF Yield % of 53.34 is 160% above median its 10-year median of 20.52. The Banks industry median FCF Yield % is 8.20. Union Bank Of The Philippines' value of 53.34 is 550.5% above this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #178 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 Yield % compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #178 out of 1505 companies for FCF Yield %. This places Union Bank Of The Philippines in the top 12% of its industry — outperforming the majority of peers. The industry median FCF Yield % is 8.20. Union Bank Of The Philippines' value of 53.34 is 550.5% above this benchmark. While the company's 10-year median is 20.52 vs. the industry median of 8.20, Union Bank Of The Philippines 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.20, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % 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 Yield % of 53.34 is 550.5% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median FCF Yield % is 8.20 — 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 Yield % is 53.34, which is 160% above median its own 10-year median of 20.52. 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 Yield % is 53.34, which is 160% above median its 10-year median of 20.52 and 550.5% above the Banks industry median of 8.20. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current FCF Yield % is 53.34 as of Jun. 26, 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 Yield %: 53.34 (160% above median its 10-year median of 20.52)
GF Value™: ₱37.70 vs. price of ₱24.50 (35% below fair value)
Industry Position: 550.5% above the Banks median (#178 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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