Frontierby eninvs

Language: EN · RU

← Region

Union Bank of the Philippines (UBP) PHP

At a glance: strengths & risks
Profit falling (-17%)Low ROE (5%)

Sector: Banks

PH_UBP

Price chart

25.8 PHPDay 3.41%

Key metrics

Market

Price
25.8 PHP · 3.41%
Market cap
85.6 bn PHP

Growth

Δ NII y/y
8.9%
Δ net profit y/y
167.4%

Multiples

P/E (LTM)
6.9x
P/B (FY)
0.4x
P/E (ann.)
5.6x

Returns

Dividend yield
4.1%
ROE (annualized)
7.6%
ROI (ROE ÷ P/B)
18.0%

Value creation

annualized net income / market cap (return on equity value)
Banking potential

Liquidity

Daily turnover

Shares: connector/market_inputs

Amounts: USD (converted) · As reported
Converted modes use NBK / ECB-linked rates: balance sheet date for BS items, period average for P&L and cash flow (see filing row evidence). As reported keeps each row in its filing currency.

Financial results

Monetary columns are in B PHP, one decimal; scale (K/M/B/T) keeps values readable. For the period (default) shows P&L and cash flow for that row’s reporting window: quarterly amounts when the feed uses quarter-duration facts (typical US 10-Q revenue and income), quarterly cash flows after stripping YTD where only cumulative tags exist, and an implied Q4 on 31 Dec FY rows (P&L: FY minus Q1–Q3; operating / investing cash flow: FY 12m minus 9M YTD to 30 Sep when sourced from SEC builder evidence) so they match 10-Q scale. Some issuers still use cumulative YTD minus the prior row in the same calendar year. As reported shows values stored on each row (e.g. full-year on FY). Balance sheet is always as reported. Source JSON may use millions etc.; conversion uses amounts_unit per row.

DatePeriodStatusNet interest incomeB PHPNet profitB PHPAssetsB PHPEquityB PHPROE (annualized)Source
2026-03-31Q1 2026 (3M)OK16.8
y/y 8.9%
3.8
y/y 167.4%
1177.6
y/y 1.6%
202.1
y/y 4.0%
7.6%Link
2025-12-31Q4 2025 (3M)OK17.2
y/y 8.9%
3.5
y/y 1.5%
1159.5
y/y 1.2%
202.9
y/y 3.5%
5.0%Link
2025-09-30Q3 2025 (3M)OK16.7
y/y 5.3%
3.2
y/y -7.1%
1144.6
y/y -0.2%
199.6
y/y 3.4%
2.2%Link
2025-06-30Q2 2025 (3M)OK14.2
y/y -2.5%
1.8
y/y -40.5%
1135.4
y/y 0.0%
196.0
y/y 4.7%
3.7%Link
2025-03-31Q1 2025 (3M)OK15.4
y/y 12.1%
1.4
y/y -27.5%
1158.9
y/y 1.1%
194.3
y/y 11.3%
2.9%Link
2024-12-31Q4 2024 (3M)OK15.8
y/y
3.5
y/y
1145.4
y/y
196.1
y/y
6.2%Link
2024-09-30Q3 2024 (3M)OK15.8
y/y 12.9%
3.5
y/y 76.8%
1146.8
y/y 0.4%
193.1
y/y 11.2%
2.4%Link
2024-06-30Q2 2024 (3M)OK14.6
y/y -5.8%
3.0
y/y 20.1%
1135.2
y/y 2.3%
187.1
y/y 8.0%
6.7%Link
2024-03-31Q1 2024 (3M)OK13.7
y/y
2.0
y/y
1146.5
y/y
174.6
y/y
4.5%Link
2023-12-31Q4 2023 (3M)OK13.3
y/y
-0.9
y/y
1145.1
y/y
175.6
y/y
2.5%Link
2023-09-30Q3 2023 (3M)OK14.0
y/y
2.0
y/y
1142.4
y/y
173.7
y/y
1.5%Link
2023-06-30Q2 2023 (3M)OK15.5
y/y
2.5
y/y
1109.4
y/y
173.3
y/y
Link

Dividends

No dividend rows found for this issuer (checked: Yahoo Finance (ex-div)).

Investor reporting (IR): https://www.unionbankph.com/investor-relations/financial-information

Reporting forms detected in loaded periods: (Balance sheet / Profit or loss (P&L) / Cash flows)

Financial results, valuation multiples (P/E, P/B, EV/EBITDA), profitability and dividend yield of Union Bank of the Philippines (UBP) — from primary filings.

Union Bank of the Philippines is a commercial bank providing retail, corporate, and investment banking services, as well as digital banking solutions. It operates primarily in the Philippines and is known for its focus on technology-driven banking.

Frequently asked questions

What is Union Bank of the Philippines (UBP)'s P/E ratio?
Union Bank of the Philippines (UBP) trades at a P/E of 6.9x (price to trailing 12-month earnings).
What is Union Bank of the Philippines (UBP)'s P/B ratio?
Union Bank of the Philippines (UBP) trades at a P/B of 0.4x.
What is Union Bank of the Philippines (UBP)'s dividend yield?
Union Bank of the Philippines (UBP)'s trailing 12-month dividend yield is 4.1%.
What is Union Bank of the Philippines (UBP)'s return on equity (ROE)?
Union Bank of the Philippines (UBP)'s ROE is 7.6%.
What is Union Bank of the Philippines (UBP)'s market capitalization?
Union Bank of the Philippines (UBP)'s market cap is 85.6 bn PHP.