The historical rank and industry rank for Union Bank Of The Philippines's ROE % or its related term are showing as below:
PHS:UBP'
s ROE % Range Over the Past 10 Years
Min: 5 Med: 10.6 Max: 15.92
Current: 6.24
During the past 13 years, Union Bank Of The Philippines's highest ROE % was 15.92%. The lowest was 5.00%. And the median was 10.60%.
PHS:UBP's ROE % is ranked worse than 76.25% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs PHS:UBP: 6.24
Union Bank Of The Philippines (PHS:UBP) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Union Bank Of The Philippines ROE % Related Terms
Union Bank Of The Philippines ROE % 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 ROE % Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's ROE % distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Union Bank Of The Philippines (PHS:UBP) has a ROE % of 7.54% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Union Bank Of The Philippines and its competitors. This is 29% below median its historical median of 10.60. Over the past decade, Union Bank Of The Philippines' ROE % has ranged from 5.00 to 15.92. According to the industry distribution chart, Union Bank Of The Philippines ranks #1162 out of 1524 companies in the Banks industry, placing it in the top 76.2%.
Is Union Bank Of The Philippines' ROE % too high?
Union Bank Of The Philippines' current ROE % of 7.54% is 29% below median its 10-year median of 10.60. Over the past 10 years, this metric has ranged from a low of 5.00 to a high of 15.92. The Banks industry median ROE % is 10.22. Union Bank Of The Philippines' value of 7.54% is 26.2% below this industry median. Based on the distribution chart, Union Bank Of The Philippines ranks #1162 out of 1524 companies in the Banks industry, which is in the bottom quartile 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' ROE % compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #1162 out of 1524 companies for ROE %. This places Union Bank Of The Philippines in the lower half of its industry. The industry median ROE % is 10.22. Union Bank Of The Philippines' value of 7.54% is 26.2% below this benchmark. Historically, Union Bank Of The Philippines' own ROE % has ranged from 5.00 to 15.92 over the past decade. While the company's 10-year median is 10.60 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Union Bank Of The Philippines's current ROE % of 7.54% is 26.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Union Bank Of The Philippines and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Union Bank Of The Philippines's current ROE % is 7.54%, which is 29% below median its own 10-year median of 10.60. 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 ROE % is 7.54%, which is 29% below median its 10-year median of 10.60 and 26.2% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current ROE % is 7.54% 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 ₱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:
ROE %: 7.54% (29% below median its 10-year median of 10.60)
GF Value™: ₱37.70 vs. price of ₱24.50 (35% below fair value)
Industry Position: 26.2% below the Banks median (#1162 of 1524)
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
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