Union Bank Of The Philippines (PHS:UBP) Growth Rank: 8 (As of Jul. 11, 2026) — 11% Below Median


PHS:UBP Union Bank Of The Philippines Inc PHS:UBP
78 GF Score
Price ₱24.00
GF Value ₱37.85
Valuation Significantly Undervalued
! 1 Warning Sign
View Full Analysis

What is Union Bank Of The Philippines Growth Rank?

Union Bank Of The Philippines PHS:UBP +0.42% 78 Growth Rank is 8 as of Jul. 11, 2026, which is 11% below its 10-year median of 9.00. GuruFocus rates PHS:UBP with a GF Score™ of 78/100 and a GF Value™ of ₱37.85 (Significantly Undervalued). The stock has 1 warning sign investors should review.

Union Bank Of The Philippines has the Growth Rank of 8.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Union Bank Of The Philippines Growth Rank Related Terms

Union Bank Of The Philippines Growth Rank Competitor Comparison

For the Banks - Regional subindustry, Union Bank Of The Philippines's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Banks Industry

For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Growth Rank distribution charts can be found below:

* The bar in red indicates where Union Bank Of The Philippines's Growth Rank falls into.


PHS:UBP
78GF Score
Union Bank Of The Philippines Inc PHS:UBP
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 8 mean?
Union Bank Of The Philippines (PHS:UBP) has a Growth Rank of 8 as of Jul. 11, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Union Bank Of The Philippines and its competitors. This is 11% below median its historical median of 9.00. Over the past decade, Union Bank Of The Philippines' Growth Rank has ranged from 2.00 to 10.00.
Is Union Bank Of The Philippines' Growth Rank too high?
Union Bank Of The Philippines' current Growth Rank of 8 is 11% below median its 10-year median of 9.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 10.00. Overall, Union Bank Of The Philippines has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Growth Rank compare to competitors?
Union Bank Of The Philippines' Growth Rank of 8 can be compared against companies in the Banks industry. Historically, Union Bank Of The Philippines' own Growth Rank has ranged from 2.00 to 10.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Union Bank Of The Philippines and its competitors. Union Bank Of The Philippines's current Growth Rank is 8, which is 11% below median its own 10-year median of 9.00. 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 ₱37.85, compared to a current price of ₱24.00 — trading 36.6% below its estimated fair value. The current Growth Rank is 8, which is 11% below median its 10-year median of 9.00. Union Bank Of The Philippines' overall GF Score™ is 78/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Growth Rank is 8 as of Jul. 11, 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 ₱24.00 is trading 36.6% below its estimated GF Value™ of ₱37.85. GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.

Key valuation signals for PHS:UBP:

  • Growth Rank: 8 (11% below median its 10-year median of 9.00)
  • GF Value™: ₱37.85 vs. price of ₱24.00 (36.6% below fair value)
  • GF Score™: 78/100 with 1 warning sign

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

Address Meralco Avenue corner Onyx and Sapphire Roads, UnionBank Plaza, Ortigas Center, Pasig, PHL, 1605
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.
78GF Score

Get the complete analysis for PHS:UBP

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱24.00
Price
₱37.85
GF Value