Union Bank Of The Philippines (PHS:UBP) Tax Provision: ₱-4,126 Mil (TTM As of Mar. 2026)


PHS:UBP Union Bank Of The Philippines Inc PHS:UBP
79 GF Score
Price ₱23.90
GF Value ₱37.70
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Union Bank Of The Philippines Tax Provision?

Union Bank Of The Philippines PHS:UBP -1.04% 79 Tax Provision is ₱-4,126 Mil as of Mar. 2026. GuruFocus rates PHS:UBP with a GF Score™ of 79/100 and a GF Value™ of ₱37.70 (Significantly Undervalued). The stock has 1 warning sign investors should review.

Union Bank Of The Philippines's tax provision for the three months ended in Mar. 2026 was ₱-919 Mil. Its tax provision for the trailing twelve months (TTM) ended in Mar. 2026 was ₱-4,126 Mil.

Union Bank Of The Philippines Tax Provision Historical Data

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The historical data trend for Union Bank Of The Philippines's Tax Provision 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.

Union Bank Of The Philippines Tax Provision Chart

Union Bank Of The Philippines Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Tax Provision
Get a 7-Day Free Trial Premium Member Only Premium Member Only -2,407.07 -4,039.46 -2,644.23 -3,653.49 -4,196.65

Union Bank Of The Philippines Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Tax Provision 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 -989.40 -588.03 -1,366.90 -1,252.32 -918.97
PHS:UBP
79GF Score
Union Bank Of The Philippines Inc PHS:UBP
Tax Provision is just one metric. See GF Score™, valuation, warning signs, and more.
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Union Bank Of The Philippines Tax Provision Calculation

Tax to be paid.

Tax Provision for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₱-4,126 Mil.

* 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.

Frequently Asked Questions Learn more about Tax Provision →
What does a Tax Provision of ₱-4,126 Mil mean?
Union Bank Of The Philippines (PHS:UBP) has a Tax Provision of ₱-4,126 Mil as of Mar. 2026. Provision for taxes is the amount of tax the company owes based on pre-tax income. View historical data on Union Bank Of The Philippines and its competitors.
Is Union Bank Of The Philippines' Tax Provision too high?
Union Bank Of The Philippines' current Tax Provision is ₱-4,126 Mil. Overall, Union Bank Of The Philippines has a GF Score™ of 79/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Tax Provision compare to competitors?
Union Bank Of The Philippines' Tax Provision of ₱-4,126 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Tax Provision for a Banks company?
A good Tax Provision depends on the Banks industry context. However, Tax Provision 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 Tax Provision mean?
A high Tax Provision can signal that a stock is expensive relative to its fundamentals. Provision for taxes is the amount of tax the company owes based on pre-tax income. View historical data on Union Bank Of The Philippines and its competitors. Union Bank Of The Philippines's current Tax Provision is ₱-4,126 Mil. 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 ₱23.90 — trading 36.6% below its estimated fair value. The current Tax Provision is ₱-4,126 Mil. Union Bank Of The Philippines' overall GF Score™ is 79/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Tax Provision calculated?
Tax Provision is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Tax Provision is ₱-4,126 Mil 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 36.6% 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:

  • Tax Provision: ₱-4,126 Mil
  • GF Value™: ₱37.70 vs. price of ₱23.90 (36.6% below fair value)
  • GF Score™: 79/100 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.
79GF Score

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

₱23.90
Price
₱37.70
GF Value