Stock UBP UNION BANK OF THE PHILIPPINES
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Financials Union Bank of the Philippines

Equities

UBP

PHY9091H1069

Banks

End-of-day quote Philippines S.E.
Other stock markets
 06:00:00 2024-07-04 pm EDT 		5-day change 1st Jan Change
33.7 PHP -2.46% Intraday chart for Union Bank of the Philippines -1.89% -33.07%
Jul. 03 Union Bank of the Philippines Approves Promotion of Officers CI
Jul. 01 Union Bank of the Philippines Announces Executive Changes CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 70,256 87,608 151,658 184,435 150,509 111,763 - -
Enterprise Value (EV) 1 70,256 87,608 151,658 184,435 150,509 111,763 111,763 111,763
P/E ratio 5.01 x 7.58 x 12.1 x 13.1 x 16.5 x 7.28 x 5.66 x 4.63 x
Yield 6.07% 4.87% 2.81% 2.32% 1.59% 3.58% 4.45% 6.48%
Capitalization / Revenue 1.92 x 2.08 x 3.36 x 3.53 x 2.13 x 1.44 x 1.39 x 1.13 x
EV / Revenue 1.92 x 2.08 x 3.36 x 3.53 x 2.13 x 1.44 x 1.39 x 1.13 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.72 x 0.84 x 1.09 x 1.25 x 0.68 x 0.56 x 0.52 x 0.48 x
Nbr of stocks (in thousands) 1,932,955 1,934,323 1,935,738 2,720,476 2,989,258 3,316,406 - -
Reference price 2 36.35 45.29 78.35 67.80 50.35 33.70 33.70 33.70
Announcement Date 4/7/20 3/11/21 3/8/22 3/13/23 3/12/24 - - -
1PHP in Million2PHP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 36,681 42,097 45,116 52,200 70,778 77,823 80,679 98,698
EBITDA - - - - - - - -
EBIT 1 16,355 20,724 20,796 20,673 25,890 14,911 26,384 -
Operating Margin 44.59% 49.23% 46.1% 39.6% 36.58% 19.16% 32.7% -
Earnings before Tax (EBT) 1 14,498 12,342 14,985 16,605 11,849 21,159 24,253 32,389
Net income 1 14,026 11,553 12,525 12,529 9,072 14,300 18,303 24,152
Net margin 38.24% 27.44% 27.76% 24% 12.82% 18.38% 22.69% 24.47%
EPS 2 7.257 5.972 6.472 5.157 3.060 4.628 5.958 7.283
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 2.205 2.205 2.205 1.575 0.8000 1.208 1.500 2.185
Announcement Date 4/7/20 3/11/21 3/8/22 3/13/23 3/12/24 - - -
1PHP in Million2PHP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 - - 16,392 16,103 19,062 18,377 17,236 18,354 19,355 20,233 21,211 21,325 21,719
EBITDA - - - - - - - - - - - - -
EBIT 13,410 - - - - - - - - - - - -
Operating Margin - - - - - - - - - - - - -
Earnings before Tax (EBT) 1 10,353 4,854 - 3,891 3,763 2,319 1,876 2,640 6,347 6,781 7,264 6,917 7,030
Net income 1 - 3,984 - 3,339 3,005 1,649 1,079 1,978 4,725 5,050 5,413 5,153 5,237
Net margin - - - 20.73% 15.76% 8.98% 6.26% 10.78% 24.41% 24.96% 25.52% 24.16% 24.11%
EPS 2 - - - 1.157 1.000 0.5512 - 0.6700 1.425 1.523 1.632 1.554 1.579
Dividend per Share 2 - - - - - - 0.8000 - - - 1.294 - -
Announcement Date 8/17/21 11/14/22 3/13/23 5/16/23 8/14/23 11/15/23 3/12/24 5/16/24 - - - - -
1PHP in Million2PHP
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 15.3% 11.5% 11.6% 9.7% 5.6% 7.93% 10.6% 10.7%
ROA (Net income/ Total Assets) 1.9% 1.5% 1.6% 1.3% 0.8% 1.25% 1.28% -
Assets 1 738,217 770,229 782,836 963,788 1,134,027 1,146,699 1,432,069 -
Book Value Per Share 2 50.40 54.00 72.00 54.10 74.30 59.80 65.10 70.80
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 4/7/20 3/11/21 3/8/22 3/13/23 3/12/24 - - -
1PHP in Million2PHP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Union Bank of the Philippines

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
5
Last Close Price
33.7 PHP
Average target price
49.42 PHP
Spread / Average Target
+46.66%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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