Union Bank of the Philippines Past Earnings Performance
Past criteria checks 1/6
Union Bank of the Philippines's earnings have been declining at an average annual rate of -7.2%, while the Banks industry saw earnings growing at 17.8% annually. Revenues have been growing at an average rate of 13.2% per year. Union Bank of the Philippines's return on equity is 5.2%, and it has net margins of 17.1%.
Key information
-7.2%
Earnings growth rate
-16.4%
EPS growth rate
| Banks Industry Growth | 13.5% |
| Revenue growth rate | 13.2% |
| Return on equity | 5.2% |
| Net Margin | 17.1% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Union Bank of the Philippines makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 57,412 | 9,836 | 22,893 | 0 |
| 30 Jun 24 | 55,603 | 8,034 | 22,342 | 0 |
| 31 Mar 24 | 56,499 | 7,528 | 22,663 | 0 |
| 31 Dec 23 | 56,737 | 9,072 | 22,271 | 0 |
| 30 Sep 23 | 58,138 | 10,288 | 19,518 | 0 |
| 30 Jun 23 | 57,597 | 12,660 | 18,673 | 0 |
| 31 Mar 23 | 52,364 | 13,550 | 16,644 | 0 |
| 31 Dec 22 | 48,132 | 12,601 | 15,146 | 0 |
| 30 Sep 22 | 42,268 | 11,868 | 12,316 | 0 |
| 30 Jun 22 | 36,875 | 10,222 | 11,652 | 0 |
| 31 Mar 22 | 37,080 | 10,383 | 11,940 | 0 |
| 31 Dec 21 | 39,304 | 12,525 | 12,239 | 0 |
| 30 Sep 21 | 39,852 | 13,739 | 11,965 | 0 |
| 30 Jun 21 | 41,229 | 15,565 | 11,701 | 0 |
| 31 Mar 21 | 38,097 | 14,286 | 11,256 | 0 |
| 31 Dec 20 | 33,690 | 11,553 | 10,778 | 0 |
| 30 Sep 20 | 35,696 | 13,924 | 11,003 | 0 |
| 30 Jun 20 | 35,813 | 13,517 | 11,271 | 0 |
| 31 Mar 20 | 35,483 | 13,780 | 11,250 | 0 |
| 31 Dec 19 | 34,823 | 14,026 | 11,177 | 0 |
| 30 Sep 19 | 29,498 | 9,372 | 10,497 | 0 |
| 30 Jun 19 | 25,765 | 6,943 | 9,511 | 0 |
| 31 Mar 19 | 24,617 | 6,171 | 8,848 | 0 |
| 31 Dec 18 | 24,617 | 6,876 | 8,392 | 0 |
| 30 Sep 18 | 24,624 | 8,106 | 7,472 | 0 |
| 30 Jun 18 | 24,919 | 8,767 | 7,374 | 0 |
| 31 Mar 18 | 25,011 | 9,135 | 7,269 | 0 |
| 01 Jan 18 | 24,103 | 7,904 | 7,362 | 0 |
| 30 Sep 17 | 22,479 | 8,312 | 6,410 | 0 |
| 30 Jun 17 | 24,834 | 10,501 | 7,062 | 0 |
| 31 Mar 17 | 24,346 | 10,659 | 6,855 | 0 |
| 01 Jan 17 | 23,556 | 10,058 | 6,817 | 0 |
| 30 Sep 16 | 24,348 | 10,477 | 6,587 | 0 |
| 30 Jun 16 | 20,391 | 6,924 | 5,596 | 0 |
| 31 Mar 16 | 19,510 | 6,139 | 5,384 | 0 |
| 31 Dec 15 | 19,113 | 6,008 | 5,374 | 0 |
| 30 Sep 15 | 18,681 | 6,072 | 5,148 | 0 |
| 30 Jun 15 | 18,547 | 6,939 | 5,004 | 0 |
| 31 Mar 15 | 18,884 | 7,474 | 4,950 | 0 |
| 31 Dec 14 | 19,757 | 8,401 | 4,874 | 0 |
| 30 Sep 14 | 18,137 | 7,682 | 4,457 | 0 |
| 30 Jun 14 | 17,724 | 7,298 | 4,399 | 0 |
| 31 Mar 14 | 17,914 | 7,430 | 4,416 | 0 |
| 31 Dec 13 | 20,077 | 9,025 | 4,620 | 0 |
Quality Earnings: UBP has high quality earnings.
Growing Profit Margin: UBP's current net profit margins (17.1%) are lower than last year (17.7%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: UBP's earnings have declined by 7.2% per year over the past 5 years.
Accelerating Growth: UBP's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: UBP had negative earnings growth (-4.4%) over the past year, making it difficult to compare to the Banks industry average (17.5%).
Return on Equity
High ROE: UBP's Return on Equity (5.2%) is considered low.