BDO Unibank Past Earnings Performance

Past criteria checks 4/6

BDO Unibank has been growing earnings at an average annual rate of 16.4%, while the Banks industry saw earnings growing at 13.2% annually. Revenues have been growing at an average rate of 9.9% per year. BDO Unibank's return on equity is 14.2%, and it has net margins of 28.7%.

Key information

16.4%

Earnings growth rate

16.4%

EPS growth rate

Banks Industry Growth	13.5%
Revenue growth rate	9.9%
Return on equity	14.2%
Net Margin	28.7%
Last Earnings Update	31 Mar 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown
Beta

How BDO Unibank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

PSE:BDO Revenue, expenses and earnings (PHP Millions)
Date	Revenue	Earnings	G+A Expenses
31 Mar 24	261,581	75,003	90,337
31 Dec 23	254,152	73,004	87,510
30 Sep 23	239,867	70,616	83,112
30 Jun 23	229,598	67,967	80,552
31 Mar 23	216,518	61,476	78,562
31 Dec 22	204,203	56,715	76,402
30 Sep 22	193,019	50,010	77,120
30 Jun 22	183,769	44,973	74,490
31 Mar 22	178,066	43,799	74,197
31 Dec 21	175,758	42,451	71,837
30 Sep 21	175,395	43,726	69,968
30 Jun 21	175,527	45,041	68,053
31 Mar 21	160,264	29,531	67,439
31 Dec 20	159,249	27,907	66,891
30 Sep 20	161,204	28,368	67,110
30 Jun 20	161,725	27,990	68,600
31 Mar 20	176,170	42,858	68,012
31 Dec 19	173,981	43,855	67,656
30 Sep 19	168,361	43,297	73,460
30 Jun 19	159,997	39,712	71,769
31 Mar 19	151,817	36,255	64,001
31 Dec 18	142,537	32,369	61,853
30 Sep 18	134,022	28,556	52,412
30 Jun 18	128,734	27,268	50,763
31 Mar 18	125,288	28,116	55,465
31 Dec 17	122,428	27,730	54,556
30 Sep 17	114,414	27,280	51,910
30 Jun 17	108,714	26,274	50,829
31 Mar 17	108,092	26,247	49,847
31 Dec 16	101,862	25,895	48,590
30 Sep 16	100,526	26,381	46,627
30 Jun 16	96,552	26,185	45,083
31 Mar 16	87,169	24,034	43,123
01 Jan 16	85,805	24,578	41,946
30 Sep 15	83,141	23,329	39,718
30 Jun 15	80,612	23,141	36,595
31 Mar 15	78,602	23,113	37,841
31 Dec 14	75,617	22,466	37,061
30 Sep 14	72,777	20,815	35,615
30 Jun 14	69,304	19,169	36,945
31 Mar 14	65,980	17,708	33,960
31 Dec 13	69,042	22,268	33,342
30 Sep 13	66,009	21,802	32,380
30 Jun 13	65,888	22,491	32,147

Quality Earnings: BDO has high quality earnings.

Growing Profit Margin: BDO's current net profit margins (28.7%) are higher than last year (28.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BDO's earnings have grown by 16.4% per year over the past 5 years.

Accelerating Growth: BDO's earnings growth over the past year (22%) exceeds its 5-year average (16.4% per year).

Earnings vs Industry: BDO earnings growth over the past year (22%) did not outperform the Banks industry 28.9%.

Return on Equity

High ROE: BDO's Return on Equity (14.2%) is considered low.

Return on Assets

Return on Capital Employed

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BDO Unibank Past Earnings Performance

Past criteria checks 4/6

Key information

Recent past performance updates

First quarter 2024 earnings: EPS misses analyst expectations

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

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

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

First quarter 2023 earnings: EPS and revenues exceed analyst expectations

Full year 2022 earnings released: EPS: ₱10.77 (vs ₱8.07 in FY 2021)

Recent updates

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

Insider recently sold ₱991k worth of stock

New minor risk - Insider selling

Vice Chairman of the Board recently bought ₱36m worth of stock

BDO Unibank, Inc. Announces Executive Resignations

Insider recently sold ₱609k worth of stock

Upcoming dividend of ₱0.75 per share at 2.2% yield

BDO Unibank, Inc. Approves Committee Appointments

Insider recently sold ₱3.5m worth of stock

Insider recently sold ₱2.7m worth of stock

First quarter 2023 earnings: EPS and revenues exceed analyst expectations

Insider recently bought ₱2.8m worth of stock

Full year 2022 earnings released: EPS: ₱10.77 (vs ₱8.07 in FY 2021)

Insider recently sold ₱1.4m worth of stock

Insider recently sold ₱1.5m worth of stock

Insider recently sold ₱2.5m worth of stock

BDO Unibank, Inc. Announces Executive Promotions

BDO Unibank, Inc., Annual General Meeting, Apr 19, 2023

Investor sentiment improved over the past week

Upcoming dividend of ₱0.30 per share

BDO Unibank, Inc. Announces the Resignation of Ramon Tremuchamilltar as Senior Vice President and Head of BOO Network Bank, Inc./Community Banking Network Group, Effective from January 1, 2023

Insider recently sold ₱1.7m worth of stock

Less than half of directors are independent

BDO Unibank, Inc. Announces Resignation of Howard Lincoln Dy Son, Senior Vice President and Country Head of Hong Kong Branch

Third quarter 2022 earnings: EPS and revenues exceed analyst expectations

Insider recently sold ₱1.2m worth of stock

Insider recently sold ₱101k worth of stock

BDO Unibank, Inc. Announces Retirement of Edwin Romualdo Gonzagareyes, Executive Vice President and Group Head of Transaction Banking Group, Effective October 1,2022

Insider recently sold ₱520k worth of stock

Insider recently sold ₱3.8m worth of stock

Insider recently sold ₱769k worth of stock

Upcoming dividend of ₱0.30 per share

BDO Unibank, Inc. Announces Executive Promotions

BDO Unibank, Inc. Approves Cash Dividend for the Third Quarter of 2022, Payable on September 30, 2022

Insider recently sold ₱1.3m worth of stock

Insider recently sold ₱351k worth of stock

Second quarter 2022 earnings: EPS and revenues exceed analyst expectations

Revenue & Expenses Breakdown
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