Union Bank Of The Philippines has the Profitability Rank of 5.
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way. It is rated on a scale of 1 to 10 and is based on these factors:
1. Operating Margin %
2. Piotroski F-Score
3. Trend of the Operating Margin % (5-year average). The company with an uptrend profit margin has a higher rank.
4. Consistency of the profitability
5. Predictability Rank
A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.
Union Bank Of The Philippines Profitability Rank Related Terms
Union Bank Of The Philippines Profitability Rank Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's Profitability Rank, along with its competitors' market caps and Profitability 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 Profitability Rank vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Profitability Rank distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's Profitability Rank falls into.
Union Bank Of The Philippines Profitability Rank Calculation
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
The rank is rated on a scale of 1 to 10. A higher score indicates superior profitability, with companies rated 7 or above considered to have more robust and sustainable profit generation. Conversely, a score of 3 or lower suggests challenges in generating consistent profits.
Union Bank Of The Philippines has the Profitability Rank of 5.
Profitability Rank is not directly related to the Financial Strength. But if a company is consistently profitable, its financial strength will be stronger.
Operating Margin % - also known as operating income margin, operating profit margin and return on sales (ROS) - is the ratio of Operating Income divided by net sales or Revenue, usually presented in percent.
* 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 Profitability Rank of 5 as of Mar. 2026. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Union Bank Of The Philippines and its competitors. This is 17% below median its historical median of 6.00. Over the past decade, Union Bank Of The Philippines' Profitability Rank has ranged from 4.00 to 9.00.
Is Union Bank Of The Philippines' Profitability Rank too high?
Union Bank Of The Philippines' current Profitability Rank of 5 is 17% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 9.00. 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' Profitability Rank compare to competitors?
Union Bank Of The Philippines' Profitability Rank of 5 can be compared against companies in the Banks industry. Historically, Union Bank Of The Philippines' own Profitability Rank has ranged from 4.00 to 9.00 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 Profitability Rank for a Banks company?
A good Profitability Rank depends on the Banks industry context. However, Profitability 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 Profitability Rank mean?
A high Profitability Rank can signal that a stock is expensive relative to its fundamentals. Profitability and Growth ranks a company based on its profit margins and earnings growth. View historical data on Union Bank Of The Philippines and its competitors. Union Bank Of The Philippines's current Profitability Rank is 5, which is 17% below median its own 10-year median of 6.00. 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 ₱37.83, compared to a current price of ₱23.90 — trading 36.8% below its estimated fair value. The current Profitability Rank is 5, which is 17% below median its 10-year median of 6.00. 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 Profitability Rank calculated?
Profitability Rank is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Profitability Rank is 5 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 ₱23.90 is trading 36.8% below its estimated GF Value™ of ₱37.83.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
Profitability Rank: 5 (17% below median its 10-year median of 6.00)
GF Value™: ₱37.83 vs. price of ₱23.90 (36.8% below fair value)
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.
78GF Score
Get the complete analysis for PHS:UBP
Profitability Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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