Union Bank Of The PhilippinesPHS:UBP -1.21%77 PEG Ratio is 0.55 as of Jun. 26, 2026, which is 54% below its 10-year median of 1.20. 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 1,229 Banks companies, Union Bank Of The Philippines ranks better than 85.19% on this metric.
PE Ratio without NRI / 5-Year Book Value Growth Rate*
* The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
The historical rank and industry rank for Union Bank Of The Philippines's PEG Ratio or its related term are showing as below:
PHS:UBP'
s PEG Ratio Range Over the Past 10 Years
Min: 0.42 Med: 1.2 Max: 3.31
Current: 0.55
During the past 13 years, Union Bank Of The Philippines's highest PEG Ratio was 3.31. The lowest was 0.42. And the median was 1.20.
PHS:UBP's PEG Ratio is ranked better than 85.19% of 1229
companies
in the Banks industry
Industry Median: 1.52
vs PHS:UBP: 0.55
Peter Lynch thinks a company with a P/E ratio equal to its growth rate is fairly valued.
Union Bank Of The Philippines (PHS:UBP) PEG Ratio Explanation
To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the P/E ratio divided by the growth ratio. He thinks a company with a P/E ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a P/E of 20, instead of a company growing 10% a year with a P/E of 10.
Union Bank Of The Philippines PEG Ratio Related Terms
Union Bank Of The Philippines PEG 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 PEG Ratio Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's PEG Ratio, along with its competitors' market caps and PEG 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 PEG Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's PEG Ratio distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's PEG Ratio 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.
* Note: The 5-Year Book Value Growth Rate is the 5-year average Book Value per share growth rate. While the denominator is a percentage, we use the whole number as opposed to the decimal form for the calculation. For example, 5% would be shown as 5 as opposed to 0.05. If it's smaller than or equal to 0, then the PEG Ratio is not calculated.
Union Bank Of The Philippines (PHS:UBP) has a PEG Ratio of 0.55 as of Jun. 26, 2026. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Union Bank Of The Philippines and its competitors. This is 54% below median its historical median of 1.20. Over the past decade, Union Bank Of The Philippines' PEG Ratio has ranged from 0.42 to 3.31. According to the industry distribution chart, Union Bank Of The Philippines ranks #182 out of 1229 companies in the Banks industry, placing it in the top 14.8%.
Is Union Bank Of The Philippines' PEG Ratio too high?
Union Bank Of The Philippines' current PEG Ratio of 0.55 is 54% below median its 10-year median of 1.20. Over the past 10 years, this metric has ranged from a low of 0.42 to a high of 3.31. The Banks industry median PEG Ratio is 1.52. Union Bank Of The Philippines' value of 0.55 is 63.8% below this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #182 out of 1229 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' PEG Ratio compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #182 out of 1229 companies for PEG Ratio. This places Union Bank Of The Philippines in the top 15% of its industry — outperforming the majority of peers. The industry median PEG Ratio is 1.52. Union Bank Of The Philippines' value of 0.55 is 63.8% below this benchmark. Historically, Union Bank Of The Philippines' own PEG Ratio has ranged from 0.42 to 3.31 over the past decade. While the company's 10-year median is 1.20 vs. the industry median of 1.52, 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 PEG Ratio for a Banks company?
The median PEG Ratio among Banks companies is 1.52, based on 1,229 companies in the industry. Companies in the top quartile (top 25%) have a PEG Ratio significantly above this median, while those in the bottom quartile fall well below. However, PEG 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 PEG Ratio of 0.55 is 63.8% 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 PEG Ratio mean?
A high PEG Ratio can signal that a stock is expensive relative to its fundamentals. Price-earnings to growth ratio is the ratio of price-earnings to a company's earnings growth rate. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median PEG Ratio is 1.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current PEG Ratio is 0.55, which is 54% below median its own 10-year median of 1.20. 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 PEG Ratio is 0.55, which is 54% below median its 10-year median of 1.20 and 63.8% below the Banks industry median of 1.52. 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 PEG Ratio calculated?
PEG Ratio is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current PEG Ratio is 0.55 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:
PEG Ratio: 0.55 (54% below median its 10-year median of 1.20)
GF Value™: ₱37.70 vs. price of ₱24.50 (35% below fair value)
Industry Position: 63.8% below the Banks median (#182 of 1229)
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
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