BDO Unibank (PHS:BDO) 5-Year Yield-on-Cost %: 20.05 (As of Jul. 08, 2026) — 230% Above Median


PHS:BDO BDO Unibank Inc PHS:BDO
81 GF Score
Price ₱126.40
GF Value ₱175.59
Valuation Modestly Undervalued
! 3 Warning Signs
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What is BDO Unibank 5-Year Yield-on-Cost %?

BDO Unibank PHS:BDO -1.02% 81 5-Year Yield-on-Cost % is 20.05 as of Jul. 08, 2026, which is 230% above its 10-year median of 6.08. GuruFocus rates PHS:BDO with a GF Score™ of 81/100 and a GF Value™ of ₱175.59 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,254 Banks companies, BDO Unibank ranks better than 95.77% on this metric.

BDO Unibank's yield on cost for the quarter that ended in Mar. 2026 was 20.05.


The historical rank and industry rank for BDO Unibank's 5-Year Yield-on-Cost % or its related term are showing as below:

PHS:BDO' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 4.17   Med: 6.08   Max: 22.36
Current: 20.05


During the past 13 years, BDO Unibank's highest Yield on Cost was 22.36. The lowest was 4.17. And the median was 6.08.


PHS:BDO's 5-Year Yield-on-Cost % is ranked better than
95.77% of 1254 companies
in the Banks industry
Industry Median: 3.905 vs PHS:BDO: 20.05

BDO Unibank  (PHS:BDO) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


BDO Unibank 5-Year Yield-on-Cost % Related Terms


BDO Unibank 5-Year Yield-on-Cost % Competitor Comparison

For the Banks - Regional subindustry, BDO Unibank's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry

For the Banks industry and Financial Services sector, BDO Unibank's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where BDO Unibank's 5-Year Yield-on-Cost % falls into.


PHS:BDO
81GF Score
BDO Unibank Inc PHS:BDO
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
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BDO Unibank 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of BDO Unibank is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 20.05 mean?
BDO Unibank (PHS:BDO) has a 5-Year Yield-on-Cost % of 20.05 as of Jul. 08, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on BDO Unibank and its competitors. This is 230% above median its historical median of 6.08. Over the past decade, BDO Unibank's 5-Year Yield-on-Cost % has ranged from 4.17 to 22.36. According to the industry distribution chart, BDO Unibank ranks #53 out of 1254 companies in the Banks industry, placing it in the top 4.2%.
Is BDO Unibank's 5-Year Yield-on-Cost % too high?
BDO Unibank's current 5-Year Yield-on-Cost % of 20.05 is 230% above median its 10-year median of 6.08. Over the past 10 years, this metric has ranged from a low of 4.17 to a high of 22.36. The Banks industry median 5-Year Yield-on-Cost % is 3.91. BDO Unibank's value of 20.05 is 413.4% above this industry median. Based on the distribution chart, BDO Unibank ranks #53 out of 1254 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BDO Unibank has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BDO Unibank's 5-Year Yield-on-Cost % compare to competitors?
According to the Banks industry distribution chart, BDO Unibank ranks #53 out of 1254 companies for 5-Year Yield-on-Cost %. This places BDO Unibank in the top 4% of its industry — outperforming the majority of peers. The industry median 5-Year Yield-on-Cost % is 3.91. BDO Unibank's value of 20.05 is 413.4% above this benchmark. Historically, BDO Unibank's own 5-Year Yield-on-Cost % has ranged from 4.17 to 22.36 over the past decade. While the company's 10-year median is 6.08 vs. the industry median of 3.91, BDO Unibank has consistently been above 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.91, based on 1,254 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BDO Unibank's current 5-Year Yield-on-Cost % of 20.05 is 413.4% above 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on BDO Unibank and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BDO Unibank's current 5-Year Yield-on-Cost % is 20.05, which is 230% above median its own 10-year median of 6.08. 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 (PHS:BDO) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱175.59, compared to a current price of ₱126.40 — trading 28% below its estimated fair value. The current 5-Year Yield-on-Cost % is 20.05, which is 230% above median its 10-year median of 6.08 and 413.4% above the Banks industry median of 3.91. BDO Unibank's overall GF Score™ is 81/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For BDO Unibank (PHS:BDO), the current 5-Year Yield-on-Cost % is 20.05 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 BDO Unibank (PHS:BDO) Overvalued in 2026?

Based on GuruFocus' analysis, BDO Unibank stock appears to be undervalued. The current stock price of ₱126.40 is trading 28% below its estimated GF Value™ of ₱175.59. GuruFocus considers BDO Unibank to be Modestly Undervalued.

Key valuation signals for PHS:BDO:

  • 5-Year Yield-on-Cost %: 20.05 (230% above median its 10-year median of 6.08)
  • GF Value™: ₱175.59 vs. price of ₱126.40 (28% below fair value)
  • GF Score™: 81/100 with 3 warning signs
  • Industry Position: 413.4% above the Banks median (#53 of 1254)

No single metric tells the full story. See the PHS:BDO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


BDO Unibank Business Description

Other Exchanges BDOUY:USABDOUF:USA
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.
81GF Score

Get the complete analysis for PHS:BDO

5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₱126.40
Price
₱175.59
GF Value