BDOUF (BDO Unibank) 3-Year RORE % : 6.44% (As of Mar. 2026)


BDOUF BDO Unibank Inc BDOUF
65 GF Score
Price $2.12
GF Value $3.08
Valuation Significantly Undervalued
! 3 Warning Signs
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What is BDO Unibank 3-Year RORE %?

BDO Unibank BDOUF 65 3-Year RORE % is 6.44 as of Mar. 2026. GuruFocus rates BDOUF with a GF Score™ of 65/100 and a GF Value™ of $3.08 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,472 Banks companies, BDO Unibank ranks worse than 58.63% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. BDO Unibank's 3-Year RORE % for the quarter that ended in Mar. 2026 was 6.44%.

The industry rank for BDO Unibank's 3-Year RORE % or its related term are showing as below:

BDOUF's 3-Year RORE % is ranked worse than
58.63% of 1472 companies
in the Banks industry
Industry Median: 9.93 vs BDOUF: 6.44

BDO Unibank  (OTCPK:BDOUF) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


BDO Unibank 3-Year RORE % Related Terms


BDO Unibank 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for BDO Unibank's 3-Year RORE % 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.

BDO Unibank 3-Year RORE % Chart

BDO Unibank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.30 25.22 20.45 14.48 7.39

BDO Unibank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 11.89 7.93 7.13 7.39 6.44

BDO Unibank 3-Year RORE % Competitor Comparison

For the Banks - Regional subindustry, BDO Unibank's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry

For the Banks industry and Financial Services sector, BDO Unibank's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where BDO Unibank's 3-Year RORE % falls into.


BDOUF
65GF Score
BDO Unibank Inc BDOUF
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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BDO Unibank 3-Year RORE % Calculation

BDO Unibank's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 0.264-0.228 )/( 0.743-0.184 )
=0.036/0.559
=6.44 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of 6.44 mean?
BDO Unibank (BDOUF) has a 3-Year RORE % of 6.44 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on BDO Unibank and its competitors. According to the industry distribution chart, BDO Unibank ranks #863 out of 1472 companies in the Banks industry, placing it in the top 58.6%.
Is BDO Unibank's 3-Year RORE % too high?
BDO Unibank's current 3-Year RORE % is 6.44. The Banks industry median 3-Year RORE % is 9.93. BDO Unibank's value of 6.44 is 35.1% below this industry median. Based on the distribution chart, BDO Unibank ranks #863 out of 1472 companies in the Banks industry, which is below 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 3-Year RORE % compare to competitors?
According to the Banks industry distribution chart, BDO Unibank ranks #863 out of 1472 companies for 3-Year RORE %. This places BDO Unibank in the lower half of its industry. The industry median 3-Year RORE % is 9.93. BDO Unibank's value of 6.44 is 35.1% 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 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.93, based on 1,472 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BDO Unibank's current 3-Year RORE % of 6.44 is 35.1% 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on BDO Unibank and its competitors. For the Banks industry, the median 3-Year RORE % is 9.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BDO Unibank's current 3-Year RORE % is 6.44. 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 $3.08, compared to a current price of $2.12 — trading 31.2% below its estimated fair value. The current 3-Year RORE % is 6.44 and 35.1% below the Banks industry median of 9.93. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For BDO Unibank (BDOUF), the current 3-Year RORE % is 6.44 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 31.2% below its estimated GF Value™ of $3.08. GuruFocus considers BDO Unibank to be Significantly Undervalued.

Key valuation signals for BDOUF:

  • 3-Year RORE %: 6.44
  • GF Value™: $3.08 vs. price of $2.12 (31.2% below fair value)
  • GF Score™: 65/100 with 3 warning signs
  • Industry Position: 35.1% below the Banks median (#863 of 1472)

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 Business Description

Other Exchanges BDOUY:USABDO:Philippines
Address 7899 Makati Avenue, BDO Corporate Center, Makati, PHL, 0726
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

Get the complete analysis for BDOUF

3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$2.12
Price
$3.08
GF Value