Union Bank of the Philippines 과거 순이익 실적

과거 기준 점검 4/6

Union Bank of the Philippines의 수입은 연평균 -7.6%의 비율로 감소해 온 반면, Banks 산업은 수입이 연평균 13.6% 증가했습니다. 매출은 연평균 12.6%의 비율로 증가해 왔습니다. Union Bank of the Philippines의 자기자본이익률은 5.2%이고 순이익률은 16.9%입니다.

핵심 정보

-7.59%

순이익 성장률

-20.45%

주당순이익(EPS) 성장률

Banks 산업 성장률	13.51%
매출 성장률	12.62%
자기자본이익률	5.21%
순이익률	16.94%
다음 순이익 업데이트	06 Nov 2025

최근 과거 실적 업데이트

Recent updates

Completion Of Citi Integration Will Enable Focus On Growth Initiatives By 2025

Feb 10 Focus on consumer loans and strategic shifts aim to sustain high net interest margins, enhancing future revenue growth and profitability.

매출 및 비용 세부 내역

Union Bank of the Philippines가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.

순이익 및 매출 추이

PSE:UBP 매출, 비용 및 순이익 (PHP Millions)
날짜	매출	순이익	일반관리비
30 Jun 25	59,826	10,133	23,976
31 Mar 25	60,186	11,373	23,045
31 Dec 24	59,951	11,930	22,817
30 Sep 24	57,412	9,533	23,196
30 Jun 24	55,603	8,034	22,342
31 Mar 24	56,499	7,494	22,663
31 Dec 23	56,737	9,072	22,271
30 Sep 23	58,138	10,591	19,215
30 Jun 23	57,597	12,660	18,673
31 Mar 23	52,364	13,550	16,644
31 Dec 22	48,132	12,601	15,146
30 Sep 22	42,268	11,868	12,316
30 Jun 22	36,875	10,222	11,652
31 Mar 22	37,080	10,383	11,940
31 Dec 21	39,304	12,525	12,239
30 Sep 21	39,852	13,739	11,965
30 Jun 21	41,229	15,565	11,701
31 Mar 21	38,097	14,286	11,256
31 Dec 20	33,690	11,553	10,778
30 Sep 20	35,696	13,924	11,003
30 Jun 20	35,813	13,517	11,271
31 Mar 20	35,483	13,780	11,250
31 Dec 19	34,823	14,026	11,177
30 Sep 19	29,498	9,372	10,497
30 Jun 19	25,765	6,943	9,511
31 Mar 19	24,617	6,171	8,848
31 Dec 18	24,617	6,876	8,392
30 Sep 18	24,624	8,106	7,472
30 Jun 18	24,919	8,767	7,374
31 Mar 18	25,011	9,135	7,269
01 Jan 18	24,103	7,904	7,362
30 Sep 17	22,479	8,312	6,410
30 Jun 17	24,834	10,501	7,062
31 Mar 17	24,346	10,659	6,855
01 Jan 17	23,556	10,058	6,817
30 Sep 16	24,348	10,477	6,587
30 Jun 16	20,391	6,924	5,596
31 Mar 16	19,510	6,139	5,384
31 Dec 15	19,113	6,008	5,374
30 Sep 15	18,681	6,072	5,148
30 Jun 15	18,547	6,939	5,004
31 Mar 15	18,884	7,474	4,950
31 Dec 14	19,757	8,401	4,874

양질의 수익: UBP는 고품질 수익을 보유하고 있습니다.

이익 마진 증가: UBP의 현재 순 이익률 (16.9%)은 지난해 (14.4%)보다 높습니다.

잉여현금흐름 대비 순이익 분석

과거 순이익 성장 분석

수익추이: UBP의 수익은 지난 5년 동안 연평균 7.6% 감소했습니다.

성장 가속화: 지난 1년간 UBP 의 수익 증가율(26.1%)은 연간 평균(-7.6%)을 초과합니다.

수익 대 산업: UBP의 지난 1년 수익 증가율(26.1%)은 Banks 업계의 12.9%를 상회했습니다.

자기자본이익률

높은 ROE: UBP의 자본 수익률(5.2%)은 낮음으로 평가됩니다.

총자산이익률

투하자본수익률

우수한 과거 실적 기업을 찾아보세요

기업 분석 및 재무 데이터 상태

데이터	최종 업데이트 (UTC 시간)
기업 분석	2025/10/05 03:35
종가	2025/10/03 00:00
수익	2025/06/30
연간 수익	2024/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지	데이터	기간	미국 소스 예시 ^*
기업 재무제표	10년	손익계산서 현금흐름표 대차대조표	SEC 양식 10-K SEC 양식 10-Q
분석가 컨센서스 추정치	+3년	재무 예측 분석가 목표주가	분석가 리서치 보고서 Blue Matrix
시장 가격	30년	주가 배당, 분할 및 기타 조치	ICE 시장 데이터 SEC 양식 S-1
지분 구조	10년	주요 주주 내부자 거래	SEC 양식 4 SEC 양식 13D
경영진	10년	리더십 팀 이사회	SEC 양식 10-K SEC 양식 DEF 14A
주요 개발	10년	회사 공시	SEC 양식 8-K

^* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.

분석 모델 및 스노우플레이크

이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 Github 페이지에서 확인할 수 있으며, 보고서 활용 방법에 대한 가이드와 Youtube 튜토리얼도 제공합니다.

Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.

산업 및 섹터 지표

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분석가 소스

Union Bank of the Philippines는 12명의 분석가가 다루고 있습니다. 이 중 4명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가	기관
Julian Vincent Roxas	BofA Global Research
Alfred Dy	CLSA
Charmaine Co	COL Financial Group, Inc

Union Bank of the Philippines 과거 순이익 실적

과거 기준 점검 4/6

핵심 정보

최근 과거 실적 업데이트

Second quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behind

Full year 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

Third quarter 2024 earnings: EPS and revenues exceed analyst expectations

Second quarter 2024 earnings: EPS and revenues miss analyst expectations

First quarter 2024 earnings: EPS and revenues miss analyst expectations

Full year 2023 earnings released: EPS: ₱3.06 (vs ₱5.16 in FY 2022)

Recent updates

Union Bank of the Philippines Announces Resignation of Wilbert P. Casillano as Head and Senior Vice President, Effective September 30, 2025

Union Bank of the Philippines Announces Executive Changes, Effective September 1, 2025

Union Bank of the Philippines Announces Executive Changes, Effective August 18, 2025

Second quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behind

Union Bank of the Philippines Announces Resignation of Dave T. Morales as Senior Vice President, Effective July 18, 2025

Union Bank of the Philippines Announces Executive Appointments, Effective July 1, 2025

Union Bank of the Philippines (PSE:UBP) acquired 27.50% stake in ATR Asset Management, Inc.

Consensus EPS estimates fall by 12%

Union Bank of the Philippines Announces Resignation of Jonathan Luis M. Bagadiong as Product Development Head, Effective April 3, 2025

Union Bank of the Philippines Accepts Resignation of Edwin R. Bautista as Director

Union Bank of the Philippines Announces Resignation of Julie Anne C. Dela Cruz as Data Science Solutions Head and Senior Vice President, Effective March 27, 2025

Insider recently bought ₱666k worth of stock

Union Bank of the Philippines Announces Resignation of Ms. Geraldine A. Tirante, It Risk Management Head and Senior Vice President, Effective March 16, 2025

Full year 2024 earnings: Revenues exceed analysts expectations while EPS lags behind

Union Bank of the Philippines, Annual General Meeting, Apr 25, 2025

Union Bank of the Philippines Announces Executive Resignations, Effective February 26, 2025

Completion Of Citi Integration Will Enable Focus On Growth Initiatives By 2025

Dividend of ₱1.00 announced

Union Bank of the Philippines Appoints Maria Minerva Alameda Nieto as Commercial Banking 5 Head

Maria Marissa P. Roquim Resigns as Compliance Business Control Senior Manager of Union Bank of the Philippines, Effective February 1, 2025

Union Bank of the Philippines Hires Senior Officers

Union Bank of the Philippines Announces Resignation of Mr. Patrick John D. Resurreccion as Compliance Testing Head and Vice President

Union Bank of the Philippines Announces Resignation of Rose Ann D. Madriaga as Service Level Management Head, Effective January 8, 2025

Union Bank of the Philippines Appoints Vivian S. Perez as Financial Risk and Performance Head

Union Bank of the Philippines Announces Retirement of Senior Officers, Effective January 1, 2025

Union Bank of the Philippines Announces Resignation of Rachel Christine T. Geronimo, Chief Remedial and Recovery Officer and Senior Vice President

Union Bank of the Philippines Appoints Bhuvanesh Hingoraney as Platforms and Solutions Delivery Head Under Information Technology and Services Group with the Rank of Senior Vice President

Third quarter 2024 earnings: EPS and revenues exceed analyst expectations

Union Bank of the Philippines (PSE:UBP) agreed to acquire 27.50% stake in ATR Asset Management, Inc.

Union Bank of the Philippines Announces Resignation of Edith C. Roberto as CoBrand and Corporate Cards Head, Effective November 6, 2024

Union Bank of the Philippines Announces Executive Resignations

Chairman of the Board recently bought ₱1.5m worth of stock

Union Bank of the Philippines Announces Executive Resignations

New minor risk - Insider selling

Insider recently bought ₱590k worth of stock

Union Bank of the Philippines Announces Executive Resignations

Union Bank of the Philippines Announces Resignation of Amabelle Gay P. Jimenez as Credit Controls Head, Effective August 27, 2024

Second quarter 2024 earnings: EPS and revenues miss analyst expectations

Insider recently bought ₱359k worth of stock

Union Bank of the Philippines Announces Separation of Ma Adelita N. Peña, Senior Vice President, Effective August 1, 2024

Union Bank of the Philippines Announces Resignations of Senior Officers

Now 23% overvalued

Union Bank of the Philippines Announces Resignation of Henry Rhoel R. Aguda as Senior Executive Vice President, Effective October 1, 2024

Union Bank of the Philippines Approves Promotion of Officers

Union Bank of the Philippines Announces CEO Changes, Effective January 1, 2025

Consensus EPS estimates increase by 29%

Union Bank of the Philippines Announces Appointment of Simran Khanna as Head of Consumer Risk with the Rank of Senior Vice President

Insider recently sold ₱13m worth of stock

Investor sentiment improves as stock rises 21%

Union Bank of the Philippines Announces the Resignation of Kaila T. Hizon as Transaction Banking Services Head, Effective June 1, 2024

New minor risk - Shareholder dilution

Consensus EPS estimates fall by 30%

Union Bank of the Philippines Announces Resignation of Atty. Mayla S. Domingo as Corporate Affairs Head, Effective June 1, 2024

Insider recently sold ₱6.8m worth of stock

First quarter 2024 earnings: EPS and revenues miss analyst expectations

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

Union Bank of the Philippines Announces Management Resignations

Union Bank of the Philippines Announces Resignation of Hazeline A. Sigua as ATM Vendor Management Head, Effective April 10, 2024

Chairman of the Board recently bought ₱3.7m worth of stock

Full year 2023 earnings released: EPS: ₱3.06 (vs ₱5.16 in FY 2022)

Union Bank of the Philippines Appoints Mukul Sukhani as Head of Cards and Loans with the Rank of Executive Vice President

Union Bank of the Philippines Announces David R. Hardoon Resigns as Chief Data and Ai Officer

Union Bank of the Philippines, Annual General Meeting, Apr 26, 2024

Chairman of the Board recently bought ₱7.0m worth of stock

Upcoming dividend of ₱0.80 per share at 1.8% yield

Dividend of ₱0.80 announced

Union Bank of the Philippines Appoints Additional Members of the Related Party Transaction Committee

Union Bank of the Philippines Announces Resignation of Ms. Sigrid Joyce D. Cruz as Digital Loans Head and Assistant Vice President

Union Bank of the Philippines Announces Resignation of Senior Officers