How does BDO's PE Ratio compare to its peers?

BDO is expensive based on its Price-To-Earnings Ratio (10.1x) compared to the peer average (9.6x).

How does BDO's PE Ratio compare vs other companies in the Asian Banks Industry?

BDO is expensive based on its Price-To-Earnings Ratio (10.1x) compared to the Asian Banks industry average (8.4x).

What is BDO's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

BDO is expensive based on its Price-To-Earnings Ratio (10.1x) compared to the estimated Fair Price-To-Earnings Ratio (7.7x).

What is the Fair Price of BDO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

BDO (₱152.3) is trading below our estimate of [[fair value]] (₱161.07)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

BDO Unibank (PSE:BDO) - Stock Price, News & Analysis

BDO Stock Overview

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

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

Rewards

Trading at 5.4% below our estimate of its fair value

Earnings are forecast to grow 9.13% per year

Earnings have grown 19% per year over the past 5 years

Pays a reliable dividend of 2.63%

Analysts in good agreement that stock price will rise by 22.3%

Risk Analysis

Significant insider selling over the past 3 months

BDO Unibank, Inc. Competitors

Bank of the Philippine Islands

PSE:BPI

₱714.4b

Metropolitan Bank & Trust

PSE:MBT

₱345.9b

China Banking

PSE:CBC

₱161.7b

Union Bank of the Philippines

PSE:UBP

₱122.9b

Price History & Performance

Summary of all time highs, changes and price drops for BDO Unibank
Historical stock prices
Current Share Price	₱152.30
52 Week High	₱169.00
52 Week Low	₱122.00
Beta	0.68
11 Month Change	-7.13%
3 Month Change	-1.10%
1 Year Change	15.47%
33 Year Change	40.15%
5 Year Change	18.68%
Change since IPO	807.19%

Recent updates

Shareholder Returns

	BDO	PH Banks	PH Market
7D	10.3%	4.6%	1.5%
1Y	15.5%	24.4%	15.9%

Return vs Industry: BDO underperformed the PH Banks industry which returned 24.4% over the past year.

Return vs Market: BDO matched the PH Market which returned 15.9% over the past year.

Price Volatility

Is BDO's price volatile compared to industry and market?
BDO volatility
BDO Average Weekly Movement	4.6%
Banks Industry Average Movement	4.9%
Market Average Movement	5.1%
10% most volatile stocks in PH Market	9.9%
10% least volatile stocks in PH Market	2.9%

Stable Share Price: BDO has not had significant price volatility in the past 3 months compared to the PH market.

Volatility Over Time: BDO's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1967	39,323	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 in five operating segments: Commercial Banking, Investment Banking, Private Banking, Leasing and Financing, and Insurance. 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?
BDO fundamental statistics
Market cap	₱811.92b
Earnings (TTM)	₱79.72b
Revenue (TTM)	₱273.23b

10.1x

P/E Ratio

1.4x

P/B Ratio

Is BDO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BDO income statement (TTM)
Revenue	₱273.23b
Cost of Revenue	₱0
Gross Profit	₱273.23b
Other Expenses	₱193.51b
Earnings	₱79.72b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	15.12
Gross Margin	100.00%
Net Profit Margin	29.18%
Debt/Equity Ratio	45.9%

How did BDO perform over the long term?

See historical performance and comparison

Dividends

2.6%

Current Dividend Yield

23%

Payout Ratio

BDO Stock Overview

Rewards

Risk Analysis

BDO Unibank, Inc. Competitors

PSE:BPI

₱714.4b

PSE:MBT

₱345.9b

PSE:CBC

₱161.7b

PSE:UBP

₱122.9b

Price History & Performance

Recent News & Updates

Insider recently sold ₱1.6m worth of stock

Third quarter 2024 earnings: EPS exceeds analyst expectations while revenues lag behind

BDO Unibank, Inc. Announces Retirement of Rhodora Montinola Lugay as Senior Vice President and Department Head of Central Operations Group/Transaction Services

Insider recently bought ₱1.6m worth of stock

Insider recently bought ₱1.6m worth of stock

Insider recently sold ₱24m worth of stock

Recent updates

Insider recently sold ₱1.6m worth of stock

Third quarter 2024 earnings: EPS exceeds analyst expectations while revenues lag behind

BDO Unibank, Inc. Announces Retirement of Rhodora Montinola Lugay as Senior Vice President and Department Head of Central Operations Group/Transaction Services

Insider recently bought ₱1.6m worth of stock

Insider recently bought ₱1.6m worth of stock

Insider recently sold ₱24m worth of stock

BDO Unibank, Inc. Announces Management Changes

Second quarter dividend of ₱1.00 announced

Insider recently bought ₱2.2m worth of stock

Insider recently sold ₱7.5m worth of stock

Senior VP recently bought ₱1.5m worth of stock

Insider recently bought ₱1.4m worth of stock

Second quarter 2024 earnings: EPS and revenues exceed analyst expectations

President recently bought ₱106m worth of stock

BDO Unibank, Inc. Announces Resignation of Walter C. Wassmer as Non-Executive Director, Effective July 16, 2024

Insider recently bought ₱11m worth of stock

Insider recently sold ₱1.3m worth of stock

Insider recently sold ₱1.4m worth of stock

Insider recently bought ₱1.3m worth of stock

President recently bought ₱1.1b worth of stock

First quarter dividend increased to ₱1.00

BDO Unibank, Inc. Approves Regular Cash Dividend on Common Shares for the Second Quarter of 2024, Payable on June 28, 2024

Insider recently bought ₱1.4m worth of stock

Independent Director recently bought ₱2.0m worth of stock

President recently sold ₱12m worth of stock

Insider recently bought ₱757k worth of stock

First quarter 2024 earnings: EPS misses analyst expectations

BDO Unibank, Inc. Increases Regular Cash Dividend

Insider recently sold ₱1.6m worth of stock

Insider recently sold ₱1.9m worth of stock

Insider recently sold ₱4.0m worth of stock

Lead Independent Director recently bought ₱2.4m worth of stock

Upcoming dividend of ₱0.75 per share

Fourth quarter dividend of ₱0.75 announced

Full year 2023 earnings released: EPS: ₱13.86 (vs ₱10.77 in FY 2022)

Insider recently sold ₱7.6m worth of stock

Insider recently sold ₱9.4m worth of stock

President recently sold ₱3.0m worth of stock

Now 20% overvalued after recent price rise

BDO Unibank, Inc., Annual General Meeting, Apr 19, 2024

Independent Director recently bought ₱2.5m worth of stock

Independent Director recently bought ₱2.5m worth of stock

Upcoming dividend of ₱0.75 per share at 2.4% yield

BDO Unibank, Inc. Announces Retirement of Mr. Ramon Soliven David, Senior Vice President and Region Head of Branch Banking Group, Effective January 1, 2024

Insider recently sold ₱2.6m worth of stock

Insider recently bought ₱3.5m worth of stock

Insider recently bought ₱3.1m worth of stock

Third quarter 2023 earnings: Revenues exceed analysts expectations while EPS lags behind

BDO Unibank, Inc. Announces Management Appointments

Insider recently sold ₱5.0m worth of stock

Upcoming dividend of ₱0.75 per share at 2.1% yield

BDO Unibank, Inc. Announces Executive Changes

Insider recently sold ₱1.3m worth of stock

Insider recently sold ₱6.0m worth of stock

Second quarter 2023 earnings: EPS in line with analyst expectations despite revenue beat

BDO Unibank, Inc. Announces Executive Changes, Effective September 15, 2023

Insider recently sold ₱2.9m worth of stock

Insider recently sold ₱3.0m worth of stock

BDO Unibank, Inc. Announces Demise of Jesus A. Jacinto, Jr., Director and Vice Chairman