BDO UnibankBDOUF 65 Return-on-Tangible-Equity is 12.66% as of Mar. 2026, which is 3% below its 10-year median of 13.09. GuruFocus rates BDOUF with a GF Score™ of 65/100 and a GF Value™ of $3.33 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,523 Banks companies, BDO Unibank ranks better than 69.67% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. BDO Unibank's annualized net income for the quarter that ended in Mar. 2026 was $1,306 Mil. BDO Unibank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $10,320 Mil. Therefore, BDO Unibank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.66%.
The historical rank and industry rank for BDO Unibank's Return-on-Tangible-Equity or its related term are showing as below:
BDOUF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 7.63 Med: 13.09 Max: 15.4
Current: 14.13
During the past 13 years, BDO Unibank's highest Return-on-Tangible-Equity was 15.40%. The lowest was 7.63%. And the median was 13.09%.
BDOUF's Return-on-Tangible-Equity is ranked better than 69.67% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs BDOUF: 14.13
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
BDO Unibank Return-on-Tangible-Equity Related Terms
BDO Unibank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for BDO Unibank's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, BDO Unibank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where BDO Unibank's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.66% mean?
BDO Unibank (BDOUF) has a Return-on-Tangible-Equity of 12.66% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on BDO Unibank and its competitors. This is near median its historical median of 13.09. Over the past decade, BDO Unibank's Return-on-Tangible-Equity has ranged from 7.63 to 15.40. According to the industry distribution chart, BDO Unibank ranks #462 out of 1523 companies in the Banks industry, placing it in the top 30.3%.
Is BDO Unibank's Return-on-Tangible-Equity too high?
BDO Unibank's current Return-on-Tangible-Equity of 12.66% is near median its 10-year median of 13.09. Over the past 10 years, this metric has ranged from a low of 7.63 to a high of 15.40. The Banks industry median Return-on-Tangible-Equity is 11.20. BDO Unibank's value of 12.66% is 13% above this industry median. Based on the distribution chart, BDO Unibank ranks #462 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, BDO Unibank has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BDO Unibank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, BDO Unibank ranks #462 out of 1523 companies for Return-on-Tangible-Equity. This puts BDO Unibank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.20. BDO Unibank's value of 12.66% is 13% above this benchmark. Historically, BDO Unibank's own Return-on-Tangible-Equity has ranged from 7.63 to 15.40 over the past decade. While the company's 10-year median is 13.09 vs. the industry median of 11.20, BDO Unibank has consistently been above 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BDO Unibank's current Return-on-Tangible-Equity of 12.66% is 13% above 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on BDO Unibank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BDO Unibank's current Return-on-Tangible-Equity is 12.66%, which is near median its own 10-year median of 13.09. 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 (BDOUF) is currently considered Significantly Undervalued. The stock's GF Value™ is $3.33, compared to a current price of $2.12 — trading 36.3% below its estimated fair value. The current Return-on-Tangible-Equity is 12.66%, which is near median its 10-year median of 13.09 and 13% above the Banks industry median of 11.20. BDO Unibank's overall GF Score™ is 65/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For BDO Unibank (BDOUF), the current Return-on-Tangible-Equity is 12.66% 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 BDO Unibank (BDOUF) Overvalued in 2026?
Based on GuruFocus' analysis, BDO Unibank stock appears to be undervalued.
The current stock price of $2.12 is trading 36.3% below its estimated GF Value™ of $3.33.
GuruFocus considers BDO Unibank to be Significantly Undervalued.
Key valuation signals for BDOUF:
Return-on-Tangible-Equity: 12.66% (near median its 10-year median of 13.09)
GF Value™: $3.33 vs. price of $2.12 (36.3% below fair value)
Industry Position: 13% above the Banks median (#462 of 1523)
No single metric tells the full story. See the BDOUF 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.
65GF Score
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