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Some businesses have very light assets, such as software companies or insurance agencies. The Price-to-Book Ratio does not work well for these companies. Some companies even have negative equity, so the Price-to-Book Ratio cannot be applied to them.
Union Bank Of The Philippines Price-to-Tangible-Book Related Terms
Union Bank Of The Philippines Price-to-Tangible-Book 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 Price-to-Tangible-Book Chart
Union Bank Of The Philippines Price-to-Tangible-Book Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's Price-to-Tangible-Book, along with its competitors' market caps and Price-to-Tangible-Book 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 Price-to-Tangible-Book vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Price-to-Tangible-Book distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's Price-to-Tangible-Book 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called PB Ratio. The difference between Price-to-Tangible-Book Ratio and PB Ratio is that book value other than intangibles are used in the calculation.
Union Bank Of The Philippines (PHS:UBP) has a Price-to-Tangible-Book of 0.55 as of Aug. 25, 2026. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Union Bank Of The Philippines and its competitors. According to the industry distribution chart, Union Bank Of The Philippines ranks #185 out of 1501 companies in the Banks industry, placing it in the top 12.3%.
Is Union Bank Of The Philippines' Price-to-Tangible-Book too high?
Union Bank Of The Philippines' current Price-to-Tangible-Book is 0.55. The Banks industry median Price-to-Tangible-Book is 1.19. Union Bank Of The Philippines' value of 0.55 is 53.8% below this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #185 out of 1501 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 75/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Price-to-Tangible-Book compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #185 out of 1501 companies for Price-to-Tangible-Book. This places Union Bank Of The Philippines in the top 12% of its industry — outperforming the majority of peers. The industry median Price-to-Tangible-Book is 1.19. Union Bank Of The Philippines' value of 0.55 is 53.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Price-to-Tangible-Book for a Banks company?
The median Price-to-Tangible-Book among Banks companies is 1.19, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a Price-to-Tangible-Book significantly above this median, while those in the bottom quartile fall well below. However, Price-to-Tangible-Book should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bank Of The Philippines's current Price-to-Tangible-Book of 0.55 is 53.8% 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 Price-to-Tangible-Book mean?
A high Price-to-Tangible-Book can signal that a stock is expensive relative to its fundamentals. Price-to-tangible-book ratio is the ratio of share price to a company's tangible book value per share. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median Price-to-Tangible-Book is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current Price-to-Tangible-Book is 0.55. 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 ₱37.10, compared to a current price of ₱24.90 — trading 32.9% below its estimated fair value. The current Price-to-Tangible-Book is 0.55 and 53.8% below the Banks industry median of 1.19. Union Bank Of The Philippines' overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Price-to-Tangible-Book calculated?
Price-to-Tangible-Book is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Price-to-Tangible-Book is 0.55 as of Aug. 25, 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 ₱24.90 is trading 32.9% below its estimated GF Value™ of ₱37.10.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
Price-to-Tangible-Book: 0.55
GF Value™: ₱37.10 vs. price of ₱24.90 (32.9% below fair value)
Industry Position: 53.8% below the Banks median (#185 of 1501)
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 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.
75GF Score
Get the complete analysis for PHS:UBP
Price-to-Tangible-Book is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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