BDO Unibank (ZB9) Stock Overview

Provides various banking products and services to individuals and corporations in the Philippines and internationally. More details

ZB9 fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	2/6
Past Performance	3/6
Financial Health	5/6
Dividends	5/6

Rewards

Trading at 53.9% below our estimate of its fair value

Earnings are forecast to grow 8.41% per year

Earnings grew by 4.9% over the past year

Pays a reliable dividend of 3.83%

Risk Analysis

Shares are highly illiquid

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BDO Unibank, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for BDO Unibank
Historical stock prices
Current Share Price	₱13.95
52 Week High	₱18.22
52 Week Low	₱13.95
Beta	0.42
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-2.80%

Recent News & Updates

No updates

Recent updates

No updates

Shareholder Returns

	ZB9	DE Banks	DE Market
7D	-2.4%	-1.6%	-2.3%
1Y	n/a	37.3%	4.8%

Return vs Industry: Insufficient data to determine how ZB9 performed against the German Banks industry.

Return vs Market: Insufficient data to determine how ZB9 performed against the German Market.

Price Volatility

Is ZB9's price volatile compared to industry and market?
ZB9 volatility
ZB9 Average Weekly Movement	n/a
Banks Industry Average Movement	3.1%
Market Average Movement	5.0%
10% most volatile stocks in DE Market	11.9%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: ZB9's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine ZB9's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1967	n/a	Nestor Tan	www.bdo.com.ph

BDO Unibank, Inc., together with its subsidiaries, provides various banking products and services to individuals and corporations in the Philippines and internationally. The company operates through Commercial Banking, Investment Banking, Private Banking, Leasing and Financing, Insurance, and other segments. It offers checking, savings and time deposit, and foreign currency accounts; and personal and business loans, such as home, auto, SME, project finance, term, and working capital.

BDO Unibank, Inc. Fundamentals Summary

How do BDO Unibank's earnings and revenue compare to its market cap?
ZB9 fundamental statistics
Market cap	€8.51b
Earnings (TTM)	€1.21b
Revenue (TTM)	€3.89b

7.1x

P/E Ratio

0.9x

P/B Ratio

Is ZB9 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
ZB9 income statement (TTM)
Revenue	₱280.01b
Cost of Revenue	₱0
Gross Profit	₱280.01b
Other Expenses	₱193.13b
Earnings	₱86.87b

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)	16.28
Gross Margin	100.00%
Net Profit Margin	31.03%
Debt/Equity Ratio	68.6%

How did ZB9 perform over the long term?

See historical performance and comparison

Dividends

3.8%

Current Dividend Yield

27%

Payout Ratio

Does ZB9 pay a reliable dividends?

See ZB9 dividend history and benchmarks

When do you need to buy ZB9 by to receive an upcoming dividend?
BDO Unibank dividend dates
Ex Dividend Date	Sep 14 2026
Dividend Pay Date	Oct 02 2026
Days until Ex dividend	3 days
Days until Dividend pay date	15 days

Does ZB9 pay a reliable dividends?

See ZB9 dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2026/09/16 23:42
End of Day Share Price	2026/09/16 00:00
Earnings	2026/06/30
Annual Earnings	2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

BDO Unibank, Inc. is covered by 21 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Kevin Kwek	Bernstein
Julian Vincent Roxas	BofA Global Research
Eunice Dolatre	CGS International