Union Bank Of The PhilippinesPHS:UBP -1.21%77 Median PS Value is ₱67.47 as of Jun. 26, 2026, which is 100% below its 10-year median of 0.67. 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 1,042 Banks companies, Union Bank Of The Philippines ranks better than 98.66% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
The historical rank and industry rank for Union Bank Of The Philippines's Median PS Value or its related term are showing as below:
PHS:UBP'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.35 Med: 0.67 Max: 1.08
Current: 0.36
During the past 13 years, the highest Price to Median PS Value of Union Bank Of The Philippines was 1.08. The lowest was 0.35. And the median was 0.67.
PHS:UBP's Price-to-Median-PS-Value is ranked better than 98.66% of 1042
companies
in the Banks industry
Industry Median: 1.11
vs PHS:UBP: 0.36
Union Bank Of The Philippines (PHS:UBP) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Union Bank Of The Philippines's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
24.50
/
67.47
=
0.36
* 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 Median PS Value Related Terms
Union Bank Of The Philippines Median PS Value 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 Median PS Value Chart
Union Bank Of The Philippines Median PS Value Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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-Median-PS-Value vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 2.7339.
Union Bank Of The Philippines's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱24.679.
* 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 Median PS Value of ₱67.47 as of Jun. 26, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Union Bank Of The Philippines and its competitors. This is 9970% above median its historical median of 0.67. Over the past decade, Union Bank Of The Philippines' Median PS Value has ranged from 0.35 to 1.08. According to the industry distribution chart, Union Bank Of The Philippines ranks #14 out of 1042 companies in the Banks industry, placing it in the top 1.3%.
Is Union Bank Of The Philippines' Median PS Value too high?
Union Bank Of The Philippines' current Median PS Value of ₱67.47 is 9970% above median its 10-year median of 0.67. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1.08. Based on the distribution chart, Union Bank Of The Philippines ranks #14 out of 1042 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' Median PS Value compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #14 out of 1042 companies for Median PS Value. This places Union Bank Of The Philippines in the top 1% of its industry — outperforming the majority of peers. The industry median Median PS Value is 1.11. Historically, Union Bank Of The Philippines' own Median PS Value has ranged from 0.35 to 1.08 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 Median PS Value for a Banks company?
The median Median PS Value among Banks companies is 1.11, based on 1,042 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median Median PS Value is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current Median PS Value is ₱67.47, which is 9970% above median its own 10-year median of 0.67. 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 Median PS Value is ₱67.47, which is 9970% above median its 10-year median of 0.67. 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 Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Median PS Value is ₱67.47 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:
Median PS Value: ₱67.47 (9970% above median its 10-year median of 0.67)
GF Value™: ₱37.70 vs. price of ₱24.50 (35% 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 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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Median PS Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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