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Union Bank Of The PhilippinesPHS:UBP +3.00%69 Intrinsic Value: Projected FCF is ₱115.32 as of Aug. 10, 2026, which is 100% below its 10-year median of 0.40. GuruFocus rates PHS:UBP with a GF Score™ of 69/100 and a GF Value™ of ₱37.72 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,304 Banks companies, Union Bank Of The Philippines ranks better than 85.2% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Union Bank Of The Philippines's Intrinsic Value: Projected FCF or its related term are showing as below:
PHS:UBP'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.18 Med: 0.4 Max: 0.9
Current: 0.22
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Union Bank Of The Philippines was 0.90. The lowest was 0.18. And the median was 0.40.
PHS:UBP's Price-to-Projected-FCF is ranked better than 85.2% of 1304
companies
in the Banks industry
Industry Median: 0.59
vs PHS:UBP: 0.22
Union Bank Of The Philippines (PHS:UBP) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Union Bank Of The Philippines's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
25.75
/
115.32184448593
=
0.22
* 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 Intrinsic Value: Projected FCF Related Terms
Union Bank Of The Philippines Intrinsic Value: Projected 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 Intrinsic Value: Projected FCF Chart
Union Bank Of The Philippines Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's Price-to-Projected-FCF falls into.
Union Bank Of The Philippines Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of ₱115.32 mean?
Union Bank Of The Philippines (PHS:UBP) has a Intrinsic Value: Projected FCF of ₱115.32 as of Aug. 10, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Union Bank Of The Philippines and its competitors. This is 28730% above median its historical median of 0.40. Over the past decade, Union Bank Of The Philippines' Intrinsic Value: Projected FCF has ranged from 0.18 to 0.90. According to the industry distribution chart, Union Bank Of The Philippines ranks #193 out of 1304 companies in the Banks industry, placing it in the top 14.8%.
Is Union Bank Of The Philippines' Intrinsic Value: Projected FCF too high?
Union Bank Of The Philippines' current Intrinsic Value: Projected FCF of ₱115.32 is 28730% above median its 10-year median of 0.40. Over the past 10 years, this metric has ranged from a low of 0.18 to a high of 0.90. Based on the distribution chart, Union Bank Of The Philippines ranks #193 out of 1304 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 69/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #193 out of 1304 companies for Intrinsic Value: Projected FCF. This places Union Bank Of The Philippines in the top 15% of its industry — outperforming the majority of peers. The industry median Intrinsic Value: Projected FCF is 0.59. Historically, Union Bank Of The Philippines' own Intrinsic Value: Projected FCF has ranged from 0.18 to 0.90 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.59, based on 1,304 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.59 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current Intrinsic Value: Projected FCF is ₱115.32, which is 28730% above median its own 10-year median of 0.40. 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 ₱37.72, compared to a current price of ₱25.75 — trading 31.7% below its estimated fair value. The current Intrinsic Value: Projected FCF is ₱115.32, which is 28730% above median its 10-year median of 0.40. Union Bank Of The Philippines' overall GF Score™ is 69/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Intrinsic Value: Projected FCF is ₱115.32 as of Aug. 10, 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 ₱25.75 is trading 31.7% below its estimated GF Value™ of ₱37.72.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
Intrinsic Value: Projected FCF: ₱115.32 (28730% above median its 10-year median of 0.40)
GF Value™: ₱37.72 vs. price of ₱25.75 (31.7% below fair value)
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.
69GF Score
Get the complete analysis for PHS:UBP
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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