BDO Stock Overview
BDO Unibank, Inc., together with its subsidiaries, provides various banking products and services primarily in the Philippines.
BDO Unibank Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₱117.80|
|52 Week High||₱140.40|
|52 Week Low||₱102.00|
|1 Month Change||-3.99%|
|3 Month Change||-11.09%|
|1 Year Change||2.44%|
|3 Year Change||-15.86%|
|5 Year Change||-5.00%|
|Change since IPO||484.74%|
Recent News & Updates
|BDO||PH Banks||PH Market|
Return vs Industry: BDO exceeded the PH Banks industry which returned -0.7% over the past year.
Return vs Market: BDO exceeded the PH Market which returned -9.5% over the past year.
|BDO Average Weekly Movement||3.7%|
|Banks Industry Average Movement||3.9%|
|Market Average Movement||5.2%|
|10% most volatile stocks in PH Market||10.1%|
|10% least volatile stocks in PH Market||3.2%|
Stable Share Price: BDO is less volatile than 75% of PH stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: BDO's weekly volatility (4%) has been stable over the past year.
About the Company
BDO Unibank, Inc., together with its subsidiaries, provides various banking products and services primarily in the Philippines. Its deposit products include savings, checking, and time deposit accounts; and loan portfolio comprises personal, auto, home, small and medium-enterprise, project finance, term, and working capital loans. The company also offers life, auto, home, personal accident, travel, and employee benefits insurance products; remittance services; trade facilities, such as trade settlements, trust receipts, export bill purchases, and letters of credit; and trust and investment services consisting of unit investment trust funds, portfolio management, escrow services, security/collateral/ bond trusteeship, facility/paying agency, and investment advisory services.
BDO Unibank Fundamentals Summary
|BDO fundamental statistics|
Is BDO overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|BDO income statement (TTM)|
|Cost of Revenue||₱0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||9.91|
|Net Profit Margin||24.41%|
How did BDO perform over the long term?See historical performance and comparison
1.0%Current Dividend Yield
Is BDO undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for BDO?
Other financial metrics that can be useful for relative valuation.
|What is BDO's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does BDO's PE Ratio compare to its peers?
|BDO PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: BDO is good value based on its Price-To-Earnings Ratio (11.9x) compared to the peer average (37.5x).
Price to Earnings Ratio vs Industry
How does BDO's PE Ratio compare vs other companies in the Banks Industry?
Price-To-Earnings vs Industry: BDO is expensive based on its Price-To-Earnings Ratio (11.9x) compared to the PH Banks industry average (7.2x)
Price to Earnings Ratio vs Fair Ratio
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.
|Current PE Ratio||11.9x|
|Fair PE Ratio||11.2x|
Price-To-Earnings vs Fair Ratio: BDO is expensive based on its Price-To-Earnings Ratio (11.9x) compared to the estimated Fair Price-To-Earnings Ratio (11.2x).
Share Price vs Fair Value
What is the Fair Price of BDO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: BDO (₱117.8) is trading above our estimate of fair value (₱110.72)
Significantly Below Fair Value: BDO is trading above our estimate of fair value.
Price to Earnings Growth Ratio
PEG Ratio: BDO is good value based on its PEG Ratio (0.8x)
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How is BDO Unibank forecast to perform in the next 1 to 3 years based on estimates from 15 analysts?
Future Growth Score2/6
Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: BDO's forecast earnings growth (14.5% per year) is above the savings rate (4.9%).
Earnings vs Market: BDO's earnings (14.5% per year) are forecast to grow slower than the PH market (18.7% per year).
High Growth Earnings: BDO's earnings are forecast to grow, but not significantly.
Revenue vs Market: BDO's revenue (11.6% per year) is forecast to grow faster than the PH market (9.9% per year).
High Growth Revenue: BDO's revenue (11.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: BDO's Return on Equity is forecast to be low in 3 years time (11.8%).
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How has BDO Unibank performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: BDO has a high level of non-cash earnings.
Growing Profit Margin: BDO's current net profit margins (24.4%) are higher than last year (18.4%).
Past Earnings Growth Analysis
Earnings Trend: BDO's earnings have grown by 9% per year over the past 5 years.
Accelerating Growth: BDO's earnings growth over the past year (47.2%) exceeds its 5-year average (9% per year).
Earnings vs Industry: BDO earnings growth over the past year (47.2%) exceeded the Banks industry 45.8%.
Return on Equity
High ROE: BDO's Return on Equity (10.3%) is considered low.
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How is BDO Unibank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score4/6
Financial Health Score 4/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: BDO's Assets to Equity ratio (8.5x) is low.
Allowance for Bad Loans: BDO has a low allowance for bad loans (93%).
Low Risk Liabilities: 87% of BDO's liabilities are made up of primarily low risk sources of funding.
Loan Level: BDO has an appropriate level of Loans to Assets ratio (64%).
Low Risk Deposits: BDO's Loans to Deposits ratio (83%) is appropriate.
Level of Bad Loans: BDO has a high level of bad loans (2.9%).
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What is BDO Unibank current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: BDO's dividend (1.02%) isn’t notable compared to the bottom 25% of dividend payers in the PH market (1.53%).
High Dividend: BDO's dividend (1.02%) is low compared to the top 25% of dividend payers in the PH market (5.02%).
Stability and Growth of Payments
Stable Dividend: BDO's dividend payments have been volatile in the past 10 years.
Growing Dividend: BDO's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (12%), BDO's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: BDO's dividends in 3 years are forecast to be thoroughly covered by earnings (9.9% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Nestor Tan (63 yo)
Mr. Nestor V. Tan is the President and Chief Executive Officer of BDO Unibank, Inc. and has been its Executive Director since June 27, 1998. He serves as Chairman of Mastercard Asia Pacific Advisory Board....
Experienced Management: BDO's management team is seasoned and experienced (12.9 years average tenure).
Experienced Board: BDO's board of directors are seasoned and experienced ( 10.8 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: BDO insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
BDO Unibank, Inc.'s employee growth, exchange listings and data sources
- Name: BDO Unibank, Inc.
- Ticker: BDO
- Exchange: PSE
- Founded: 1967
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: ₱510.997b
- Shares outstanding: 4.39b
- Website: https://www.bdo.com.ph
Number of Employees
- BDO Unibank, Inc.
- BDO Corporate Center
- 7899 Makati Avenue
- Makati City
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/06/24 00:00|
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 here.