* 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 Total Payout Ratio Chart
Union Bank Of The Philippines Total Payout Ratio Competitor Comparison
For the Banks - Regional subindustry, Union Bank Of The Philippines's Total Payout Ratio, along with its competitors' market caps and Total Payout 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 Total Payout Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Total Payout Ratio distribution charts can be found below:
* The bar in red indicates where Union Bank Of The Philippines's Total Payout Ratio 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.
Union Bank Of The Philippines (PHS:UBP) has a Total Payout Ratio of 0.20 as of Jul. 08, 2026. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Union Bank Of The Philippines and its competitors.
Is Union Bank Of The Philippines' Total Payout Ratio too high?
Union Bank Of The Philippines' current Total Payout Ratio is 0.20. Overall, Union Bank Of The Philippines has a GF Score™ of 78/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Union Bank Of The Philippines' Total Payout Ratio compare to competitors?
Union Bank Of The Philippines' Total Payout Ratio of 0.20 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 Total Payout Ratio for a Banks company?
A good Total Payout Ratio depends on the Banks industry context. However, Total Payout 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 Total Payout Ratio mean?
A high Total Payout Ratio can signal that a stock is expensive relative to its fundamentals. Total Payout Ratio is the percent a company has paid to its shareholders through net repurchase of shares and dividends based on its Net Income. View historical data on Union Bank Of The Philippines and its competitors. Union Bank Of The Philippines's current Total Payout Ratio is 0.20. 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 ₱37.82, compared to a current price of ₱24.15 — trading 36.1% below its estimated fair value. The current Total Payout Ratio is 0.20. Union Bank Of The Philippines' overall GF Score™ is 78/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Total Payout Ratio calculated?
Total Payout Ratio is calculated from a company's financial statements. For Union Bank Of The Philippines (PHS:UBP), the current Total Payout Ratio is 0.20 as of Jul. 08, 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 ₱24.15 is trading 36.1% below its estimated GF Value™ of ₱37.82.
GuruFocus considers Union Bank Of The Philippines to be Significantly Undervalued.
Key valuation signals for PHS:UBP:
Total Payout Ratio: 0.20
GF Value™: ₱37.82 vs. price of ₱24.15 (36.1% 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.
78GF Score
Get the complete analysis for PHS:UBP
Total Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PHS:UBP has been successfully added to your 
