UBP Share Price Performance
₱24.20
-9.75 (-28.72%)
36.5% undervalued intrinsic discount
₱38.10
Fair Value
Price ₱24.20
AnalystConsensusTarget ₱38.10
AnalystLowTarget ₱29.00
AnalystHighTarget ₱53.79
Fair Value₱38.10
Share Pricen/a
Union Bank of the Philippines Stock Price
- 3 Narratives written by author
- 0 Comments on narratives written by author
- 85 Fair Values set on narratives written by author
UBP Community Narratives
AN
Fair Value ₱38.1 36.5% undervalued intrinsic discount
Completion Of Citi Integration Will Enable Focus On Growth Initiatives By 2025
0users have liked this narrative
0users have commented on this narrative
45users have followed this narrative
AN
Fair Value ₱29 16.6% undervalued intrinsic discount
Rising Credit Risks And Integration Setbacks Will Burden Philippine Banking But Spark Cautious Optimism
0users have liked this narrative
0users have commented on this narrative
2users have followed this narrative
AN
Fair Value ₱53.79 55.0% undervalued intrinsic discount
Rapid Smartphone Penetration Will Drive Digital Banking Expansion
0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
Completion Of Citi Integration Will Enable Focus On Growth Initiatives By 2025
Key Takeaways Focus on consumer loans and strategic shifts aim to sustain high net interest margins, enhancing future revenue growth and profitability. Improved operational efficiency and increasing non-interest income from transaction services are expected to enhance earnings quality and net margins.Read more
159
users have viewed this narrative0users have liked this narrative
0users have commented on this narrative
45users have followed this narrative
AN
₱38.1
36.5% undervalued intrinsic discount
Fair Value
Revenue
21.43% p.a.
Profit Margin
16.99%
Future PE
9.61x
Price in 2029
₱54.7
Rising Credit Risks And Integration Setbacks Will Burden Philippine Banking But Spark Cautious Optimism
Key Takeaways High exposure to consumer lending and integration challenges from recent acquisitions increase credit and operational risks, potentially undermining earnings and efficiency gains. Intensifying fintech competition and slow middle-class growth may restrict long-term revenue opportunities despite digital expansion and regulatory support for financial inclusion.Read more
64
users have viewed this narrative0users have liked this narrative
0users have commented on this narrative
2users have followed this narrative
AN
₱29
16.6% undervalued intrinsic discount
Fair Value
Revenue
23.21% p.a.
Profit Margin
17.06%
Future PE
7.36x
Price in 2029
₱42.95
Rapid Smartphone Penetration Will Drive Digital Banking Expansion
Key Takeaways UnionBank's digital focus, ecosystem partnerships, and first-mover advantage in financial inclusion position it for sustained market leadership and superior long-term growth. Operational efficiency, automation, and expanding addressable markets are set to drive margin expansion, recurring revenue, and returns outperforming industry peers.Read more
32
users have viewed this narrative0users have liked this narrative
0users have commented on this narrative
1users have followed this narrative
AN
₱53.79
55.0% undervalued intrinsic discount
Fair Value
Revenue
25.36% p.a.
Profit Margin
19.73%
Future PE
11.21x
Price in 2028
₱78.59
Trending Discussion
Recently Updated Narratives
AN
UBP: Lower Discount Rate And Stronger Profit Outlook Will Support Upside
Fair Value: ₱38.1 36.5% undervalued intrinsic discount
45 followersusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
AN
UBP: Planned Digital Bank Capital Infusion Will Support Undervalued Upside Potential
Fair Value: ₱29 16.6% undervalued intrinsic discount
2 followersusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
AN
Rapid Smartphone Penetration Will Drive Digital Banking Expansion
Fair Value: ₱53.79 55.0% undervalued intrinsic discount
1 followerusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
Snowflake Analysis
Union Bank of the Philippines Key Details
Last Reported Earnings
Dec 31, 2025
Next Reporting Earnings
May 11, 2026
- 3.00
- 99.48%
- 16.02%
- 85.9%
About UBP
- Founded
- 1968
- Employees
- n/a
- CEO
- WebsiteView website
Union Bank of the Philippines, together with its subsidiaries, provides commercial banking products and services in the Philippines. It operates through Consumer Banking, Institutional Banking, Mass Market/Digital Banking, Treasury Banking, and Trust and Insurance segments. The company offers individual customer and time deposits; deposit and current accounts for corporate, institutional, and middle market customers; and consumer loans, such as personal loans, automobiles and mortgage financing, credit card facilities, and small and medium enterprises loan products. It also provides mass market financial products and services, including salary loans, pension loans, seafarer loans, motorcycle loans, company loans, LGU salary loans; funds transfer facilities; retail financial products through its digital banking platform; and treasury banking comprising foreign exchange, fixed income trading and investments, and derivatives. In addition, the company offers trust, asset management, and fiduciary services; and cash management, capital market, and bancassurance products and services. Further, it is involved in the foreign currency trade and remittance business; marketing business; securities brokerage; venture capital business; private development bank business; and insurance and securities brokerage. The company was formerly known as Union Savings and Mortgage Bank and changed its name to Union Bank of the Philippines in January 1982. Union Bank of the Philippines was incorporated in 1968 and is based in Pasig, the Philippines.
