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
 23:00:00 02/05/2024 BST 		5-day change 1st Jan Change
38.7 PHP -2.76% Intraday chart for Union Bank of the Philippines -6.41% -23.14%
04-30 Union Bank of the Philippines' Net Income Drops in Q1 MT
04-25 Union Bank of the Philippines Announces the Resignation of Mark Dennis C. Tuazon as Wealth Branch and ATM Operations Head and Vice President, Effective May 1, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 70,256 87,608 151,658 184,435 150,509 115,684 - -
Enterprise Value (EV) 1 70,256 87,608 151,658 184,435 150,509 115,684 115,684 115,684
P/E ratio 5.01 x 7.58 x 12.1 x 13.1 x 16.5 x 7.51 x 6.32 x 4.84 x
Yield 6.07% 4.87% 2.81% 2.32% 1.59% 3.34% 4.32% 6.2%
Capitalization / Revenue 1.92 x 2.08 x 3.36 x 3.53 x 2.13 x 1.43 x 1.43 x 1.17 x
EV / Revenue 1.92 x 2.08 x 3.36 x 3.53 x 2.13 x 1.43 x 1.43 x 1.17 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 0.63 x 0.59 x 0.52 x
Nbr of stocks (in thousands) 1,932,955 1,934,323 1,935,738 2,720,476 2,989,258 2,989,260 - -
Reference price 2 36.35 45.29 78.35 67.80 50.35 38.70 38.70 38.70
Announcement Date 07/04/20 11/03/21 08/03/22 13/03/23 12/03/24 - - -
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 80,793 80,671 98,844
EBITDA - - - - - - - -
EBIT 1 16,355 20,724 20,796 20,673 25,890 18,122 26,778 -
Operating Margin 44.59% 49.23% 46.1% 39.6% 36.58% 22.43% 33.19% -
Earnings before Tax (EBT) 1 14,498 12,342 14,985 16,605 11,849 20,439 24,044 32,039
Net income 1 14,026 11,553 12,525 12,529 9,072 15,388 18,274 23,889
Net margin 38.24% 27.44% 27.76% 24% 12.82% 19.05% 22.65% 24.17%
EPS 2 7.257 5.972 6.472 5.157 3.060 5.152 6.122 7.992
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 1.293 1.671 2.398
Announcement Date 07/04/20 11/03/21 08/03/22 13/03/23 12/03/24 - - -
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
Net sales 1 - - 16,392 16,103 19,062 18,377 17,236 19,335 19,882 20,510 21,066 21,277
EBITDA - - - - - - - - - - - -
EBIT 13,410 - - - - - - - - - - -
Operating Margin - - - - - - - - - - - -
Earnings before Tax (EBT) 1 10,353 4,854 - 3,891 3,763 2,319 1,876 3,837 6,156 6,417 6,624 6,588
Net income 1 - 3,984 - 3,339 3,005 1,649 1,079 2,843 4,582 4,778 4,933 4,906
Net margin - - - 20.73% 15.76% 8.98% 6.26% 14.7% 23.04% 23.3% 23.42% 23.06%
EPS 2 - - - 1.157 1.000 0.5512 - 0.9510 1.533 1.598 1.650 1.641
Dividend per Share 2 - - - - - - 0.8000 - - - 1.720 -
Announcement Date 17/08/21 14/11/22 13/03/23 16/05/23 14/08/23 15/11/23 12/03/24 - - - - -
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% 8.57% 10.6% 11.1%
ROA (Net income/ Total Assets) 1.9% 1.5% 1.6% 1.3% 0.8% 1.26% 1.28% -
Assets 1 738,217 770,229 782,836 963,788 1,134,027 1,219,512 1,429,808 -
Book Value Per Share 2 50.40 54.00 72.00 54.10 74.30 61.90 66.00 74.80
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 07/04/20 11/03/21 08/03/22 13/03/23 12/03/24 - - -
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
6
Last Close Price
38.7 PHP
Average target price
51.59 PHP
Spread / Average Target
+33.31%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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