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Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Union Bank Of The Philippines's current 3-Year Share Buyback Ratio was -4.90%.
The historical rank and industry rank for Union Bank Of The Philippines's 3-Year Share Buyback Ratio or its related term are showing as below:
PHS:UBP'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -13.2 Med: -3.6 Max: 0
Current: -4.9
During the past 13 years, Union Bank Of The Philippines's highest 3-Year Share Buyback Ratio was 0.00%. The lowest was -13.20%. And the median was -3.60%.
PHS:UBP's 3-Year Share Buyback Ratio is ranked worse than 79.21% of 1044
companies
in the Banks industry
Industry Median: -0.2
vs PHS:UBP: -4.90
Union Bank Of The Philippines (PHS:UBP) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Union Bank Of The Philippines 3-Year Share Buyback Ratio Related Terms
Union Bank Of The Philippines 3-Year Share Buyback Ratio Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's 3-Year Share Buyback Ratio falls into.
Union Bank Of The Philippines 3-Year Share Buyback Ratio Calculation
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of -4.90 mean?
Union Bank Of The Philippines (PHS:UBP) has a 3-Year Share Buyback Ratio of -4.90 as of Mar. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Union Bank Of The Philippines and its competitors. According to the industry distribution chart, Union Bank Of The Philippines ranks #827 out of 1044 companies in the Banks industry, placing it in the top 79.2%.
Is Union Bank Of The Philippines' 3-Year Share Buyback Ratio too high?
Union Bank Of The Philippines' current 3-Year Share Buyback Ratio is -4.90. Based on the distribution chart, Union Bank Of The Philippines ranks #827 out of 1044 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' 3-Year Share Buyback Ratio compare to competitors?
According to the Banks industry distribution chart, Union Bank Of The Philippines ranks #827 out of 1044 companies for 3-Year Share Buyback Ratio. This places Union Bank Of The Philippines in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for a Banks company?
A good 3-Year Share Buyback Ratio depends on the Banks industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Union Bank Of The Philippines and its competitors. Union Bank Of The Philippines's current 3-Year Share Buyback Ratio is -4.90. 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 ₱37.92, compared to a current price of ₱24.20 — trading 36.2% below its estimated fair value. The current 3-Year Share Buyback Ratio is -4.90. 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 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current 3-Year Share Buyback Ratio is -4.90 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 ₱24.20 is trading 36.2% below its estimated GF Value™ of ₱37.92.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
3-Year Share Buyback Ratio: -4.90
GF Value™: ₱37.92 vs. price of ₱24.20 (36.2% 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.
77GF Score
Get the complete analysis for PHS:UBP
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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