BDOUF (BDO Unibank) LT-Debt-to-Total-Asset: 0.07 (As of Mar. 2026)

What is BDO Unibank LT-Debt-to-Total-Asset?

BDO Unibank BDOUF 69 LT-Debt-to-Total-Asset is 0.07 as of Mar. 2026. GuruFocus rates BDOUF with a GF Score™ of 69/100 and a GF Value™ of $3.05 (Significantly Undervalued). The stock has 3 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. BDO Unibank's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.07.

BDO Unibank's long-term debt to total assets ratio increased from Mar. 2025 (0.05) to Mar. 2026 (0.07). It may suggest that BDO Unibank is progressively becoming more dependent on debt to grow their business.

BDO Unibank (OTCPK:BDOUF) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

BDO Unibank LT-Debt-to-Total-Asset Related Terms

BDO Unibank LT-Debt-to-Total-Asset Historical Data

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The historical data trend for BDO Unibank's LT-Debt-to-Total-Asset can be seen below:

* 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.

BDO Unibank LT-Debt-to-Total-Asset Chart

BDO Unibank Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.06

0.05

0.04

0.05

0.07

BDO Unibank Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.05	0.05	0.06	0.07	0.07

69GF Score

BDO Unibank Inc BDOUF

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BDO Unibank LT-Debt-to-Total-Asset Calculation

BDO Unibank's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	5809.338	/	88754.538
	=	0.07

BDO Unibank's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	6623.947	/	93383.37
	=	0.07

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.07 mean?

BDO Unibank (BDOUF) has a LT-Debt-to-Total-Asset of 0.07 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on BDO Unibank and its competitors.

Is BDO Unibank's LT-Debt-to-Total-Asset too high?

BDO Unibank's current LT-Debt-to-Total-Asset is 0.07. Overall, BDO Unibank has a GF Score™ of 69/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.

How does BDO Unibank's LT-Debt-to-Total-Asset compare to competitors?

BDO Unibank's LT-Debt-to-Total-Asset of 0.07 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on BDO Unibank and its competitors. BDO Unibank's current LT-Debt-to-Total-Asset is 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is BDO Unibank stock overvalued right now?

Based on GuruFocus' analysis, BDO Unibank (BDOUF) is currently considered Significantly Undervalued. The stock's GF Value™ is $3.05, compared to a current price of $2.12 — trading 30.5% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.07. BDO Unibank's overall GF Score™ is 69/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For BDO Unibank (BDOUF), the current LT-Debt-to-Total-Asset is 0.07 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 BDO Unibank (BDOUF) Overvalued in 2026?

Based on GuruFocus' analysis, BDO Unibank stock appears to be undervalued. The current stock price of $2.12 is trading 30.5% below its estimated GF Value™ of $3.05. GuruFocus considers BDO Unibank to be Significantly Undervalued.

Key valuation signals for BDOUF:

LT-Debt-to-Total-Asset: 0.07
GF Value™: $3.05 vs. price of $2.12 (30.5% below fair value)
GF Score™: 69/100 with 3 warning signs

No single metric tells the full story. See the BDOUF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

BDO Unibank Business Description

Industry Financial Services Banks

Comparable Companies PHS:BPI PHS:MBT PHS:CBC PHS:PTC PHS:PNB PHS:UBP PHS:AUB PHS:RCB PHS:SECB PHS:EW SGX:D05 SHSE:600036 MIL:UCG XPAR:BNP NSE:HDFCBANK MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK NSE:SBIN

Other Exchanges BDOUY:USA BDO:Philippines

Address 7899 Makati Avenue, BDO Corporate Center, Makati, PHL, 0726

Website https://www.bdo.com.ph

BDO Unibank Inc is a full-service universal bank in the Philippines. The company's operating segment consists of Commercial banking, Investment banking, Private banking, Leasing and financing, Insurance, and Others. The company generates the majority of its revenue from the Commercial Banking segment, which handles the entire lending (corporate and consumer), trade financing and cash management services for corporate and retail customers. Geographically, the majority of its revenue is derived from the Philippines.

69GF Score

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$2.12

Price

$3.05

GF Value

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