BDO UnibankPHS:BDO -2.01%82 PB Ratio is 1.02 as of Jun. 26, 2026, which is 29% below its 10-year median of 1.44. GuruFocus rates PHS:BDO with a GF Score™ of 82/100 and a GF Value™ of ₱174.19 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,516 Banks companies, BDO Unibank ranks better than 56.4% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-26), BDO Unibank's share price is ₱122.00. BDO Unibank's Book Value per Share for the quarter that ended in Mar. 2026 was ₱119.36. Hence, BDO Unibank's PB Ratio of today is 1.02.
Good Sign:
BDO Unibank Inc stock PB Ratio (=1.04) is close to 10-year low of 0.96.
The historical rank and industry rank for BDO Unibank's PB Ratio or its related term are showing as below:
PHS:BDO'
s PB Ratio Range Over the Past 10 Years
Min: 0.96 Med: 1.44 Max: 2.48
Current: 1.02
During the past 13 years, BDO Unibank's highest PB Ratio was 2.48. The lowest was 0.96. And the median was 1.44.
PHS:BDO's PB Ratio is ranked better than 56.4% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs PHS:BDO: 1.02
During the past 12 months, BDO Unibank's average Book Value Per Share Growth Rate was 7.40% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 10.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.40% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 10.60% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of BDO Unibank was 17.00% per year. The lowest was -18.90% per year. And the median was 10.40% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
BDO Unibank PB Ratio Related Terms
BDO Unibank PB Ratio Historical Data
* Premium members only.
The historical data trend for BDO Unibank's PB Ratio 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 PB Ratio, along with its competitors' market caps and PB 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.
BDO Unibank PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, BDO Unibank's PB Ratio distribution charts can be found below:
* The bar in red indicates where BDO Unibank's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
BDO Unibank's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
BDO Unibank (PHS:BDO) has a PB Ratio of 1.02 as of Jun. 26, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on BDO Unibank and its competitors. This is 29% below median its historical median of 1.44. Over the past decade, BDO Unibank's PB Ratio has ranged from 0.96 to 2.48. According to the industry distribution chart, BDO Unibank ranks #661 out of 1516 companies in the Banks industry, placing it in the top 43.6%.
Is BDO Unibank's PB Ratio too high?
BDO Unibank's current PB Ratio of 1.02 is 29% below median its 10-year median of 1.44. Over the past 10 years, this metric has ranged from a low of 0.96 to a high of 2.48. The Banks industry median PB Ratio is 1.09. BDO Unibank's value of 1.02 is 6.4% below this industry median. Based on the distribution chart, BDO Unibank ranks #661 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, BDO Unibank has a GF Score™ of 82/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BDO Unibank's PB Ratio compare to competitors?
According to the Banks industry distribution chart, BDO Unibank ranks #661 out of 1516 companies for PB Ratio. This puts BDO Unibank in the upper half of its industry. The industry median PB Ratio is 1.09. BDO Unibank's value of 1.02 is 6.4% below this benchmark. Historically, BDO Unibank's own PB Ratio has ranged from 0.96 to 2.48 over the past decade. While the company's 10-year median is 1.44 vs. the industry median of 1.09, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BDO Unibank's current PB Ratio of 1.02 is 6.4% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on BDO Unibank and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BDO Unibank's current PB Ratio is 1.02, which is 29% below median its own 10-year median of 1.44. 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 (PHS:BDO) is currently considered Significantly Undervalued. The stock's GF Value™ is ₱174.19, compared to a current price of ₱122.00 — trading 30% below its estimated fair value. The current PB Ratio is 1.02, which is 29% below median its 10-year median of 1.44 and 6.4% below the Banks industry median of 1.09. BDO Unibank's overall GF Score™ is 82/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For BDO Unibank (PHS:BDO), the current PB Ratio is 1.02 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 BDO Unibank (PHS:BDO) Overvalued in 2026?
Based on GuruFocus' analysis, BDO Unibank stock appears to be undervalued.
The current stock price of ₱122.00 is trading 30% below its estimated GF Value™ of ₱174.19.
GuruFocus considers BDO Unibank to be Significantly Undervalued.
Key valuation signals for PHS:BDO:
PB Ratio: 1.02 (29% below median its 10-year median of 1.44)
GF Value™: ₱174.19 vs. price of ₱122.00 (30% below fair value)
Industry Position: 6.4% below the Banks median (#661 of 1516)
No single metric tells the full story. See the PHS:BDO 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.
82GF Score
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