Union Bank Of The Philippines (PHS:UBP) LT-Debt-to-Total-Asset: 0.03 (As of Mar. 2026)

What is Union Bank Of The Philippines LT-Debt-to-Total-Asset?

Union Bank Of The Philippines PHS:UBP -0.41% 77 LT-Debt-to-Total-Asset is 0.03 as of Mar. 2026. 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.

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. Union Bank Of The Philippines's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.03.

Union Bank Of The Philippines's long-term debt to total assets ratio declined from Mar. 2025 (0.05) to Mar. 2026 (0.03). It may suggest that Union Bank Of The Philippines is progressively becoming less dependent on debt to grow their business.

Union Bank Of The Philippines (PHS:UBP) 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.

Union Bank Of The Philippines LT-Debt-to-Total-Asset Related Terms

Union Bank Of The Philippines LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Union Bank Of The Philippines'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.

Union Bank Of The Philippines LT-Debt-to-Total-Asset Chart

Union Bank Of The Philippines Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.09

0.05

0.18

0.20

0.15

Union Bank Of The Philippines 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	0.17	0.15	0.03

77GF Score

Union Bank Of The Philippines Inc PHS:UBP

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Union Bank Of The Philippines LT-Debt-to-Total-Asset Calculation

Union Bank Of The Philippines'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 )
	=	175578.035	/	1159465.465
	=	0.15

Union Bank Of The Philippines'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 )
	=	39691.162	/	1177625.699
	=	0.03

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

What does a LT-Debt-to-Total-Asset of 0.03 mean?

Union Bank Of The Philippines (PHS:UBP) has a LT-Debt-to-Total-Asset of 0.03 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 Union Bank Of The Philippines and its competitors.

Is Union Bank Of The Philippines' LT-Debt-to-Total-Asset too high?

Union Bank Of The Philippines' current LT-Debt-to-Total-Asset is 0.03. 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' LT-Debt-to-Total-Asset compare to competitors?

Union Bank Of The Philippines' LT-Debt-to-Total-Asset of 0.03 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 Union Bank Of The Philippines and its competitors. Union Bank Of The Philippines's current LT-Debt-to-Total-Asset is 0.03. 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 ₱24.40 — trading 35.3% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.03. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current LT-Debt-to-Total-Asset is 0.03 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 ₱24.40 is trading 35.3% 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:

LT-Debt-to-Total-Asset: 0.03
GF Value™: ₱37.70 vs. price of ₱24.40 (35.3% below fair value)
GF Score™: 77/100 with 1 warning sign

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

Industry Financial Services Banks

Comparable Companies PHS:PNB PHS:PTC PHS:AUB PHS:RCB PHS:SECB PHS:EW PHS:CBC PHS:PSB PHS:PBC PHS:PBB SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address Meralco Avenue corner Onyx and Sapphire Roads, UnionBank Plaza, Ortigas Center, Pasig, PHL, 1605

Website https://www.unionbankph.com

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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱24.40

Price

₱37.70

GF Value

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