BDOUF (BDO Unibank) Moat Score: 6/10 (As of Jun. 28, 2026)


BDOUF BDO Unibank Inc BDOUF
65 GF Score
Price $2.12
GF Value $3.05
Valuation Significantly Undervalued
! 3 Warning Signs
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What is BDO Unibank Moat Score?

BDO Unibank BDOUF 65 Moat Score is 6 as of Jun. 28, 2026. GuruFocus rates BDOUF with a GF Score™ of 65/100 and a GF Value™ of $3.05 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,614 Banks companies, BDO Unibank ranks better than 97.83% on this metric.

BDO Unibank has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

BDO Unibank has Narrow Moat: BDO Unibank has a strong presence in the Philippines with a solid market share and customer loyalty. It benefits from economies of scale and a strong distribution network, but lacks the global reach and regulatory barriers to qualify for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes BDO Unibank might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

BDO Unibank  (OTCPK:BDOUF) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

BDO Unibank Moat Score Related Terms

BDO Unibank Moat Score Competitor Comparison

For the Banks - Regional subindustry, BDO Unibank's Moat Score, along with its competitors' market caps and Moat Score 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.

BDO Unibank Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, BDO Unibank's Moat Score distribution charts can be found below:

* The bar in red indicates where BDO Unibank's Moat Score falls into.


BDOUF
65GF Score
BDO Unibank Inc BDOUF
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
BDO Unibank (BDOUF) has a Moat Score of 6 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, BDO Unibank ranks #35 out of 1614 companies in the Banks industry, placing it in the top 2.2%.
Is BDO Unibank's Moat Score too high?
BDO Unibank's current Moat Score is 6. Based on the distribution chart, BDO Unibank ranks #35 out of 1614 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BDO Unibank has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BDO Unibank's Moat Score compare to competitors?
According to the Banks industry distribution chart, BDO Unibank ranks #35 out of 1614 companies for Moat Score. This places BDO Unibank in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. BDO Unibank's current Moat Score is 6. 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 Moat Score is 6. BDO Unibank's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For BDO Unibank (BDOUF), the current Moat Score is 6 as of Jun. 28, 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:

  • Moat Score: 6
  • GF Value™: $3.05 vs. price of $2.12 (30.5% below fair value)
  • GF Score™: 65/100 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

Other Exchanges BDOUY:USABDO:Philippines
Address 7899 Makati Avenue, BDO Corporate Center, Makati, PHL, 0726
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.
65GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.12
Price
$3.05
GF Value