BDO UnibankBDOUY -2.14%73 Net Margin % is 26.84% as of Mar. 2026, which is 0% above its 10-year median of 26.75. GuruFocus rates BDOUY with a GF Score™ of 73/100 and a GF Value™ of $28.28 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, BDO Unibank ranks better than 72.56% on this metric.
Net margin is calculated as Net Income divided by its Revenue. BDO Unibank's Net Income for the
three
months ended in Mar. 2026 was $329 Mil. BDO Unibank's Revenue for the
three
months ended in Mar. 2026 was $1,224 Mil. Therefore, BDO Unibank's net margin for the quarter that ended in Mar. 2026 was 26.84%.
The historical rank and industry rank for BDO Unibank's Net Margin % or its related term are showing as below:
BDOUY'
s Net Margin % Range Over the Past 10 Years
Min: 16.24 Med: 26.75 Max: 35.31
Current: 33.9
BDOUY's Net Margin % is ranked better than 72.56% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs BDOUY: 33.90
BDO Unibank (OTCPK:BDOUY) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
BDO Unibank Net Margin % Related Terms
BDO Unibank Net Margin % Historical Data
* Premium members only.
The historical data trend for BDO Unibank's Net Margin % 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.
For the Banks - Regional subindustry, BDO Unibank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BDO Unibank's Net Margin % distribution charts can be found below:
* The bar in red indicates where BDO Unibank's Net Margin % falls into.
* 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 (BDOUY) has a Net Margin % of 26.84% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on BDO Unibank and its competitors. This is near median its historical median of 26.75. Over the past decade, BDO Unibank's Net Margin % has ranged from 16.24 to 35.31. According to the industry distribution chart, BDO Unibank ranks #419 out of 1527 companies in the Banks industry, placing it in the top 27.4%.
Is BDO Unibank's Net Margin % too high?
BDO Unibank's current Net Margin % of 26.84% is near median its 10-year median of 26.75. Over the past 10 years, this metric has ranged from a low of 16.24 to a high of 35.31. The Banks industry median Net Margin % is 26.95. BDO Unibank's value of 26.84% is 0.4% below this industry median. Based on the distribution chart, BDO Unibank ranks #419 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, BDO Unibank has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BDO Unibank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, BDO Unibank ranks #419 out of 1527 companies for Net Margin %. This puts BDO Unibank in the upper half of its industry. The industry median Net Margin % is 26.95. BDO Unibank's value of 26.84% is 0.4% below this benchmark. Historically, BDO Unibank's own Net Margin % has ranged from 16.24 to 35.31 over the past decade. While the company's 10-year median is 26.75 vs. the industry median of 26.95, BDO Unibank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BDO Unibank's current Net Margin % of 26.84% is 0.4% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on BDO Unibank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BDO Unibank's current Net Margin % is 26.84%, which is near median its own 10-year median of 26.75. 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 (BDOUY) is currently considered Modestly Undervalued. The stock's GF Value™ is $28.28, compared to a current price of $20.80 — trading 26.5% below its estimated fair value. The current Net Margin % is 26.84%, which is near median its 10-year median of 26.75 and 0.4% below the Banks industry median of 26.95. BDO Unibank's overall GF Score™ is 73/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For BDO Unibank (BDOUY), the current Net Margin % is 26.84% 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 (BDOUY) Overvalued in 2026?
Based on GuruFocus' analysis, BDO Unibank stock appears to be undervalued.
The current stock price of $20.80 is trading 26.5% below its estimated GF Value™ of $28.28.
GuruFocus considers BDO Unibank to be Modestly Undervalued.
Key valuation signals for BDOUY:
Net Margin %: 26.84% (near median its 10-year median of 26.75)
GF Value™: $28.28 vs. price of $20.80 (26.5% below fair value)
Industry Position: 0.4% below the Banks median (#419 of 1527)
No single metric tells the full story. See the BDOUY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
73GF Score
Get the complete analysis for BDOUY
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BDOUY has been successfully added to your 
