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Union Bank of the Philippines PHP

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

24.8 PHPDay -0.60%
24.9524.9124.8824.8424.8Two-point segment from the displayed day change; full history unavailable.min 24.8 · max 24.95

Key metrics

Market

Price
24.8 PHP · -0.60%
Market cap
82.2 bn PHP

Growth

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

Multiples

P/E (LTM)
6.6x
P/B (FY)
0.4x
P/E (ann.)
5.4x

Returns

Dividend yield
4.0%
ROE (annualized)
7.6%
ROI (ROE ÷ P/B)
18.7%

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 H1Errors 2Warn 2
2024-09-30 9MErrors 1Warn 4
2024-12-31 FYErrors 1Warn 1
2025-03-31 Q1Errors 2Warn 1
2025-06-30 H1Errors 1Warn 1
2025-09-30 9MErrors 4Warn 1
2025-12-31 FYErrors 1Warn 2
2026-03-31 Q1Errors 2Warn 1
All checks pass · Has warnings (review) · Has errors (needs fix) · ✓* Autofix applied (see evidence)

Financial dynamics

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
2025-12-31FY 2025 (12M)OK16.7
y/y 8.3%
3.5
y/y 1.7%
1159.5
y/y 1.2%
202.9
y/y 3.5%
5.0%Link
2025-09-30Q3 2025 (3M)OK16.2
y/y 11.6%
3.2
y/y -24.4%
1144.6
y/y -0.2%
199.6
y/y 3.4%
4.4%Link
2025-06-30Q2 2025 (3M)OK15.9
y/y 13.9%
1.8
y/y -35.9%
1135.4
y/y 0.0%
196.0
y/y 4.7%
3.3%Link
2025-03-31Q1 2025 (3M)OK15.4
y/y
1.4
y/y
1158.9
y/y
194.3
y/y
2.9%Link
2024-12-31FY 2024 (12M)OK15.4
y/y
3.5
y/y
1145.4
y/y
196.1
y/y
6.2%Link
2024-09-30Q3 2024 (3M)OK15.1
y/y
3.5
y/y
1146.8
y/y
193.1
y/y
6.0%Link
2024-06-30Q2 2024 (3M)OK27.5
y/y
5.1
y/y
1135.2
y/y
187.1
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)