Union Bank of the Philippines (UBP) Stock Overview
Provides commercial banking products and services in the Philippines. More details
| Snowflake Score | |
|---|---|
| Valuation | 1/6 |
| Future Growth | 4/6 |
| Past Performance | 4/6 |
| Financial Health | 4/6 |
| Dividends | 3/6 |
UBP Community Fair Values
Create NarrativeSee what 74 others think this stock is worth. Follow their fair value or set your own to get alerts.
Union Bank of the Philippines Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ₱30.10 |
| 52 Week High | ₱43.80 |
| 52 Week Low | ₱30.00 |
| Beta | 0.75 |
| 1 Month Change | 0% |
| 3 Month Change | -8.23% |
| 1 Year Change | -20.79% |
| 3 Year Change | -53.38% |
| 5 Year Change | -12.08% |
| Change since IPO | 183.84% |
Recent News & Updates
Shareholder Returns
| UBP | PH Banks | PH Market | |
|---|---|---|---|
| 7D | -0.3% | -4.0% | -2.9% |
| 1Y | -20.8% | -10.5% | -11.6% |
Return vs Industry: UBP underperformed the PH Banks industry which returned -12.5% over the past year.
Return vs Market: UBP underperformed the PH Market which returned -11.5% over the past year.
Price Volatility
| UBP volatility | |
|---|---|
| UBP Average Weekly Movement | 2.2% |
| Banks Industry Average Movement | 4.1% |
| Market Average Movement | 4.9% |
| 10% most volatile stocks in PH Market | 12.1% |
| 10% least volatile stocks in PH Market | 2.6% |
Stable Share Price: UBP has not had significant price volatility in the past 3 months compared to the PH market.
Volatility Over Time: UBP's weekly volatility (2%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1968 | 5,482 | Ana Maria Delgado | www.unionbankph.com |
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 savings, currency, and checking accounts; time deposits; personal, auto, mortgage, and quick loans; debit, credit, and corporate credit cards; bancassurance products; commercial banking; cash management, retail banking, capital markets, corporate and consumer finance, investment management and trust banking services; SME banking solutions; wealth; and treasury products.
Union Bank of the Philippines Fundamentals Summary
| UBP fundamental statistics | |
|---|---|
| Market cap | ₱99.82b |
| Earnings (TTM) | ₱10.13b |
| Revenue (TTM) | ₱59.83b |
Is UBP overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UBP income statement (TTM) | |
|---|---|
| Revenue | ₱59.83b |
| Cost of Revenue | ₱203.00m |
| Gross Profit | ₱59.62b |
| Other Expenses | ₱49.49b |
| Earnings | ₱10.13b |
Last Reported Earnings
Jun 30, 2025
Next Earnings Date
Nov 06, 2025
| Earnings per share (EPS) | 3.06 |
| Gross Margin | 99.66% |
| Net Profit Margin | 16.94% |
| Debt/Equity Ratio | 106.7% |
How did UBP perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/09/26 18:45 |
| End of Day Share Price | 2025/09/26 00:00 |
| Earnings | 2025/06/30 |
| Annual Earnings | 2024/12/31 |
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 |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* 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 world class team 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
Union Bank of the Philippines is covered by 12 analysts. 4 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 |
|---|---|
| Julian Vincent Roxas | BofA Global Research |
| Alfred Dy | CLSA |
| Charmaine Co | COL Financial Group, Inc |