Union Bank Of The PhilippinesPHS:UBP -1.21%77 Dividend Payout Ratio is 0.22 as of Mar. 2026, which is 27% below its 10-year median of 0.30. 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 1,168 Banks companies, Union Bank Of The Philippines ranks better than 88.87% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. Union Bank Of The Philippines's Dividend Payout Ratio for the
months ended in Mar. 2026 was 0.22.
The historical rank and industry rank for Union Bank Of The Philippines's Dividend Payout Ratio or its related term are showing as below:
PHS:UBP'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.14 Med: 0.3 Max: 0.49
Current: 0.14
During the past 13 years, the highest Dividend Payout Ratio of Union Bank Of The Philippines was 0.49. The lowest was 0.14. And the median was 0.30.
PHS:UBP's Dividend Payout Ratio is ranked better than 88.87% of 1168
companies
in the Banks industry
Industry Median: 0.32
vs PHS:UBP: 0.14
During the past 13 years, the highest Trailing Annual Dividend Yield of Union Bank Of The Philippines was 7.14%. The lowest was 1.80%. And the median was 3.02%.
During the past 3 years, the average Dividends Per Share Growth Rate was -18.80% per year.
During the past 5 years, the average Dividends Per Share Growth Rate was -15.60% per year.
During the past 10 years, the average Dividends Per Share Growth Rate was 2.70% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of Union Bank Of The Philippines was 38.80% per year. The lowest was -25.20% per year. And the median was 9.60% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
Union Bank Of The Philippines (PHS:UBP) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
Union Bank Of The Philippines Dividend Payout Ratio Related Terms
Union Bank Of The Philippines Dividend Payout Ratio 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 Dividend Payout Ratio Chart
Union Bank Of The Philippines Dividend Payout Ratio Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's Dividend Payout Ratio falls into.
Union Bank Of The Philippines Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
* 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 Dividend Payout Ratio of 0.22 as of Mar. 2026. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Union Bank Of The Philippines and its competitors. This is 27% below median its historical median of 0.30. Over the past decade, Union Bank Of The Philippines' Dividend Payout Ratio has ranged from 0.14 to 0.49. According to the industry distribution chart, Union Bank Of The Philippines ranks #130 out of 1168 companies in the Banks industry, placing it in the top 11.1%.
Is Union Bank Of The Philippines' Dividend Payout Ratio too high?
Union Bank Of The Philippines' current Dividend Payout Ratio of 0.22 is 27% below median its 10-year median of 0.30. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.49. The Banks industry median Dividend Payout Ratio is 0.32. Union Bank Of The Philippines' value of 0.22 is 31.3% below this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #130 out of 1168 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' Dividend Payout Ratio compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #130 out of 1168 companies for Dividend Payout Ratio. This places Union Bank Of The Philippines in the top 11% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.32. Union Bank Of The Philippines' value of 0.22 is 31.3% below this benchmark. Historically, Union Bank Of The Philippines' own Dividend Payout Ratio has ranged from 0.14 to 0.49 over the past decade. While the company's 10-year median is 0.30 vs. the industry median of 0.32, Union Bank Of The Philippines 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 Dividend Payout Ratio for a Banks company?
The median Dividend Payout Ratio among Banks companies is 0.32, based on 1,168 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bank Of The Philippines's current Dividend Payout Ratio of 0.22 is 31.3% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median Dividend Payout Ratio is 0.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current Dividend Payout Ratio is 0.22, which is 27% below median its own 10-year median of 0.30. 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 Dividend Payout Ratio is 0.22, which is 27% below median its 10-year median of 0.30 and 31.3% below the Banks industry median of 0.32. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Dividend Payout Ratio is 0.22 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 ₱24.50 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:
Dividend Payout Ratio: 0.22 (27% below median its 10-year median of 0.30)
GF Value™: ₱37.70 vs. price of ₱24.50 (35% below fair value)
Industry Position: 31.3% below the Banks median (#130 of 1168)
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
Get the complete analysis for PHS:UBP
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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