Union Bank Of The Philippines (PHS:UBP) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Union Bank Of The Philippines Forward PE Ratio Related Terms
Union Bank Of The Philippines Forward PE Ratio 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 Forward PE Ratio Chart
Union Bank Of The Philippines Annual Data
Trend
2019-12
2020-12
2021-12
2022-12
2023-12
2024-12
2025-12
Forward PE Ratio
8.59
11.66
12.39
9.90
6.93
7.21
6.36
Union Bank Of The Philippines Quarterly Data
2019-12
2020-03
2020-06
2020-09
2020-12
2021-03
2021-06
2021-09
2021-12
2022-03
2022-06
2022-09
2022-12
2023-03
2023-06
2023-09
2023-12
2024-03
2024-06
2024-12
2025-03
2025-06
2025-09
2025-12
2026-03
Forward PE Ratio
8.59
7.75
9.28
6.91
11.66
11.44
12.39
10.75
12.39
8.95
10.93
9.95
9.90
10.33
9.94
6.73
6.93
8.43
6.89
7.21
7.02
7.87
6.27
6.36
6.33
Union Bank Of The Philippines Forward PE Ratio Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio 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 Forward PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's Forward PE Ratio falls into.
Union Bank Of The Philippines Forward PE Ratio Calculation
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Union Bank Of The Philippines (PHS:UBP) has a Forward PE Ratio of 5.86 as of Jul. 02, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Union Bank Of The Philippines and its competitors. According to the industry distribution chart, Union Bank Of The Philippines ranks #119 out of 818 companies in the Banks industry, placing it in the top 14.5%.
Is Union Bank Of The Philippines' Forward PE Ratio too high?
Union Bank Of The Philippines' current Forward PE Ratio is 5.86. The Banks industry median Forward PE Ratio is 11.14. Union Bank Of The Philippines' value of 5.86 is 47.4% below this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #119 out of 818 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 83/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Forward PE Ratio compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #119 out of 818 companies for Forward PE Ratio. This places Union Bank Of The Philippines in the top 15% of its industry — outperforming the majority of peers. The industry median Forward PE Ratio is 11.14. Union Bank Of The Philippines' value of 5.86 is 47.4% 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 Forward PE Ratio for a Banks company?
The median Forward PE Ratio among Banks companies is 11.14, based on 818 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bank Of The Philippines's current Forward PE Ratio of 5.86 is 47.4% 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median Forward PE Ratio is 11.14 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current Forward PE Ratio is 5.86. 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 ₱37.76, compared to a current price of ₱23.70 — trading 37.2% below its estimated fair value. The current Forward PE Ratio is 5.86 and 47.4% below the Banks industry median of 11.14. Union Bank Of The Philippines' overall GF Score™ is 83/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Forward PE Ratio is 5.86 as of Jul. 02, 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 ₱23.70 is trading 37.2% below its estimated GF Value™ of ₱37.76.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
Forward PE Ratio: 5.86
GF Value™: ₱37.76 vs. price of ₱23.70 (37.2% below fair value)
Industry Position: 47.4% below the Banks median (#119 of 818)
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.
83GF Score
Get the complete analysis for PHS:UBP
Forward PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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