Union Bank of the Philippines

PSE:UBP Stock Report

Market Cap: ₱115.6b

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 -7.3%, while the Banks industry saw earnings growing at 17.4% 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%, and it has net margins of 16.6%.

Key information

-7.3%

Earnings growth rate

-17.3%

EPS growth rate

Banks Industry Growth13.5%
Revenue growth rate13.2%
Return on equity5.0%
Net Margin16.6%
Last Earnings Update30 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

PSE:UBP Revenue, expenses and earnings (PHP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2457,4129,53323,1960
30 Jun 2455,6038,03422,3420
31 Mar 2456,4997,52822,6630
31 Dec 2356,7379,07222,2710
30 Sep 2358,13810,59119,2150
30 Jun 2357,59712,66018,6730
31 Mar 2352,36413,55016,6440
31 Dec 2248,13212,60115,1460
30 Sep 2242,26811,86812,3160
30 Jun 2236,87510,22211,6520
31 Mar 2237,08010,38311,9400
31 Dec 2139,30412,52512,2390
30 Sep 2139,85213,73911,9650
30 Jun 2141,22915,56511,7010
31 Mar 2138,09714,28611,2560
31 Dec 2033,69011,55310,7780
30 Sep 2035,69613,92411,0030
30 Jun 2035,81313,51711,2710
31 Mar 2035,48313,78011,2500
31 Dec 1934,82314,02611,1770
30 Sep 1929,4989,37210,4970
30 Jun 1925,7656,9439,5110
31 Mar 1924,6176,1718,8480
31 Dec 1824,6176,8768,3920
30 Sep 1824,6248,1067,4720
30 Jun 1824,9198,7677,3740
31 Mar 1825,0119,1357,2690
01 Jan 1824,1037,9047,3620
30 Sep 1722,4798,3126,4100
30 Jun 1724,83410,5017,0620
31 Mar 1724,34610,6596,8550
01 Jan 1723,55610,0586,8170
30 Sep 1624,34810,4776,5870
30 Jun 1620,3916,9245,5960
31 Mar 1619,5106,1395,3840
31 Dec 1519,1136,0085,3740
30 Sep 1518,6816,0725,1480
30 Jun 1518,5476,9395,0040
31 Mar 1518,8847,4744,9500
31 Dec 1419,7578,4014,8740
30 Sep 1418,1377,6824,4570
30 Jun 1417,7247,2984,3990
31 Mar 1417,9147,4304,4160
31 Dec 1320,0779,0254,6200

Quality Earnings: UBP has high quality earnings.

Growing Profit Margin: UBP's current net profit margins (16.6%) are lower than last year (18.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: UBP's earnings have declined by 7.3% 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 (-10%) over the past year, making it difficult to compare to the Banks industry average (17.4%).

Return on Equity

High ROE: UBP's Return on Equity (5%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/21 21:21
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

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 .

Analyst Sources

Union Bank of the Philippines is covered by 13 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.

AnalystInstitution
Joahnna SorianoBofA Global Research
Alfred DyCLSA
Charles William AngCOL Financial Group, Inc