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Union Bank of the Philippines USD

Update

Re-runs extraction for each period with period-end year from max(2023, current year − 2) through the current year, oldest first (up to three reporting years). This can take a long time.

Sector: Banks

PH_UBP

Price chart

24.75 PHPDay -1.00%

Key metrics

Market

Price
24.75 PHP · -1.00%
Market cap
1.4 bn USD

Growth

Δ NII y/y
6.1%
Δ net profit y/y
160.6%

Multiples

P/E (LTM)
6.3x
P/B (FY)
0.4x
P/E (ann.)
5.2x

Returns

Dividend yield
4.0%
ROE (annualized)
7.6%
ROI (ROE ÷ P/B)
19.5%

Value creation

annualized net income / market cap (return on equity value)
Banking potential
+18.5%
↓ details

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.

🔍 Sanity check — subtotal consistency (Level-1 + Level-2) OK: 0 / Warn: 0 / Err: 8 / Autofix applied: 0
Port of PHP subtotal-total + sign-flip detection logic
PeriodIssues
2024-06-30 H1✗Errors 2Warn 2
2024-09-30 9M✗Errors 1Warn 4
2024-12-31 FY✗Errors 1Warn 1
2025-03-31 Q1✗Errors 2Warn 1
2025-06-30 H1✗Errors 1Warn 1
2025-09-30 9M✗Errors 4Warn 1
2025-12-31 FY✗Errors 1Warn 2
2026-03-31 Q1✗Errors 1Warn 1
✓ All checks pass · ⚠ Has warnings (review) · ✗ Has errors (needs fix) · ✓* Autofix applied (see evidence)

Financial dynamics

Monetary columns are in M USD, 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 incomeM USDNet profitM USDAssetsM USDEquityM USDROE (annualized)Source
2026-03-31Q1 2026 (3M)OK282.7
y/y 6.1%
64.7
y/y 160.6%
19404.3
y/y -4.1%
3330.0
y/y -1.9%
7.6%Link
2025-12-31Q4 2025 (3M)OK283.0
y/y 4.5%
60.2
y/y -1.0%
19668.6
y/y -0.3%
3441.1
y/y 1.9%
5.1%Link
2025-09-30Q3 2025 (3M)OK284.3
y/y 11.8%
56.5
y/y -24.2%
19653.7
y/y -4.0%
3427.1
y/y -0.5%
4.4%Link
2025-06-30Q2 2025 (3M)OK281.7
y/y 13.1%
32.1
y/y -36.3%
20113.6
y/y 3.5%
3471.4
y/y 8.4%
3.3%Link
2025-03-31Q1 2025 (3M)OK266.4
y/y —
24.8
y/y —
20241.5
y/y —
3392.9
y/y —
2.9%Link
2024-12-31Q4 2024 (3M)OK270.9
y/y —
60.8
y/y —
19734.4
y/y —
3378.0
y/y —
6.2%Link
2024-09-30Q3 2024 (3M)OK260.1
y/y —
60.3
y/y —
20464.3
y/y —
3445.2
y/y —
6.0%Link
2024-06-30Q2 2024 (3M)OK484.6
y/y —
89.3
y/y —
19425.0
y/y —
3202.2
y/y —
—Link
Data quality No obvious scale, balance-sheet, or cash-flow sanity issues in the displayed periods.

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)