OTCPK:BDOU.F

Stock Analysis Report

Executive Summary

BDO Unibank, Inc. provides various banking products and services primarily in the Philippines.

Snowflake

Fundamentals

Flawless balance sheet with proven track record.

Share Price & News

How has BDO Unibank's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:BDOU.F

3.3%

US Banks

2.1%

US Market


1 Year Return

n/a

OTCPK:BDOU.F

-13.8%

US Banks

-0.04%

US Market

No trading data on BDOU.F.

No trading data on BDOU.F.


Share holder returns

BDOU.FIndustryMarket
7 Day0%3.3%2.1%
30 Day0%-7.0%-3.2%
90 Day0%-2.3%2.8%
1 Yearn/a-11.3%-13.8%2.2%-0.04%
3 Year7.4%7.4%42.5%32.7%41.5%32.3%
5 Yearn/a54.2%37.6%55.0%37.8%

Price Volatility Vs. Market

How volatile is BDO Unibank's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is BDO Unibank undervalued based on future cash flows and its price relative to the stock market?

16.03x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

BDO Unibank's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

BDO Unibank's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

BDO Unibank is overvalued based on earnings compared to the US Banks industry average.

BDO Unibank is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

BDO Unibank is poor value based on expected growth next year.


Price Based on Value of Assets

BDO Unibank is overvalued based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is BDO Unibank expected to perform in the next 1 to 3 years based on estimates from 14 analysts?

12.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

BDO Unibank's revenue is expected to grow by 12.2% yearly, however this is not considered high growth (20% yearly).

BDO Unibank's earnings are expected to grow by 12.6% yearly, however this is not considered high growth (20% yearly).

BDO Unibank's revenue growth is expected to exceed the United States of America market average.

BDO Unibank's earnings growth is positive but not above the United States of America market average.

BDO Unibank's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

BDO Unibank is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).


Next Steps

Past Performance

How has BDO Unibank performed over the past 5 years?

10.4%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

BDO Unibank's year on year earnings growth rate has been positive over the past 5 years.

BDO Unibank's 1-year earnings growth exceeds its 5-year average (42.6% vs 10.4%)

BDO Unibank's earnings growth has exceeded the US Banks industry average in the past year (42.6% vs 33.2%).


Return on Equity

BDO Unibank has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

BDO Unibank used its assets more efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if BDO Unibank improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is BDO Unibank's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

BDO Unibank has an acceptable proportion of non-loan assets held.

BDO Unibank has a sufficient allowance for bad loans.

BDO Unibank's liabilities are made up of primarily low risk sources of funding.

BDO Unibank's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at BDO Unibank are broadly funded by customer deposits.

BDO Unibank has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is BDO Unibank's current dividend yield, its reliability and sustainability?

1.05%

Expected Dividend Yield


Dividend Yield and Payments Analysis

BDO Unibank's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.48%).

BDO Unibank's dividend is below the markets top 25% of dividend payers in United States of America (3.83%).

BDO Unibank is not paying a notable dividend for United States of America, therefore no need to check if the payments are stable.

BDO Unibank is not paying a notable dividend for United States of America, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of BDO Unibank's dividends as it is not paying a notable one for United States of America.


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (6.4x coverage).


Next Steps

Management

What is the CEO of BDO Unibank's salary, the management and board of directors tenure and is there insider trading?

5.6yrs

Average management tenure


CEO

Nestor Tan (61yo)

5.6yrs

Tenure

0

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. Concurrently, Mr. Tan holds Vice Chairmanships and/or Directorsh ...


Management Age and Tenure

5.6yrs

Average Tenure

60yo

Average Age

The average tenure for the BDO Unibank management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

9.3yrs

Average Tenure

67yo

Average Age

The tenure for the BDO Unibank board of directors is about average.


Insider Trading

BDO Unibank individual insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Sell₱71,12815 Aug 19
Edward Wenceslao
EntityIndividual
Shares25,000
Max Price₱2.86
Sell₱82,01530 Jul 19
Angelita Manulat
EntityIndividual
Shares28,000
Max Price₱2.93
Sell₱11,85723 Jul 19
Reynaldo Tanjangco
EntityIndividual
Shares4,000
Max Price₱2.96
Sell₱23,92823 Jul 19
Edna Rogando
EntityIndividual
Shares8,000
Max Price₱3.02
Sell₱35,15323 Jul 19
Edward Wenceslao
EntityIndividual
Shares12,000
Max Price₱2.95
Sell₱29,68323 Jul 19
Robert Sy
EntityIndividual
Shares10,000
Max Price₱2.97
Sell₱17,73923 Jul 19
Noel Sugay
EntityIndividual
Shares6,000
Max Price₱2.96
Sell₱44,37723 Jul 19
Ador Abrogena
EntityIndividual
Shares15,000
Max Price₱2.96
Sell₱200,92123 Jul 19
Gregorio Severino
EntityIndividual
Shares67,000
Max Price₱3.02
Sell₱104,36919 Jul 19
Jesus Jacinto
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares35,000
Max Price₱3.00
Sell₱98719 Jul 19
Edna Rogando
EntityIndividual
Shares340
Max Price₱2.90
Sell₱17,14319 Jul 19
Reynaldo Tanjangco
EntityIndividual
Shares6,000
Max Price₱2.86
Sell₱28,72819 Jul 19
Robert Sy
EntityIndividual
Shares10,000
Max Price₱2.87
Sell₱55,52119 Jul 19
Stella Cabalatungan
EntityIndividual
Shares19,200
Max Price₱2.90
Sell₱28,64219 Jul 19
Cerwina Elenore Santos
EntityIndividual
Shares10,000
Max Price₱2.89
Sell₱14,22512 Jul 19
Aurea Imelda Montejo
EntityIndividual
Shares5,110
Max Price₱2.78
Sell₱13,83112 Jul 19
Gwyneth Entao
EntityIndividual
Shares5,000
Max Price₱2.77
Sell₱55,48012 Jul 19
Edmundo Soriano
EntityIndividual
Shares20,000
Max Price₱2.78
Sell₱27,37612 Jul 19
Cerwina Elenore Santos
EntityIndividual
Shares10,000
Max Price₱2.74
Sell₱123,51312 Jul 19
Arthur Vincent Chung
EntityIndividual
Shares44,500
Max Price₱2.78
Sell₱54,43603 Jul 19
Ramon Militar
EntityIndividual
Role
Senior Key Executive
Senior Vice President
Shares20,000
Max Price₱2.73
Sell₱27,78903 Jul 19
Arthur Vincent Chung
EntityIndividual
Shares10,000
Max Price₱2.78
Sell₱38,60803 Jul 19
Ma. Theresa Simbul
EntityIndividual
Shares14,000
Max Price₱2.76
Sell₱63,77503 Jul 19
Aurea Imelda Montejo
EntityIndividual
Shares22,890
Max Price₱2.79
Sell₱6,95703 Jul 19
Roy Allan Magturo
EntityIndividual
Shares2,500
Max Price₱2.78
Sell₱8,36127 Jun 19
Edna Tarroza
EntityIndividual
Shares3,000
Max Price₱2.79
Sell₱27,83727 Jun 19
Robert Sy
EntityIndividual
Shares10,000
Max Price₱2.78
Sell₱41,61627 Jun 19
Roy Allan Magturo
EntityIndividual
Shares15,000
Max Price₱2.78
Sell₱391,69727 Jun 19
Edmundo Soriano
EntityIndividual
Shares143,108
Max Price₱2.77
Sell₱41,00927 Jun 19
Jaime Yu
EntityIndividual
Role
Senior Key Executive
Senior EVP & Head of Branch Banking Group
Shares15,000
Max Price₱2.74
Sell₱53,75320 Jun 19
Edmundo Soriano
EntityIndividual
Shares20,000
Max Price₱2.69
Sell₱26,87720 Jun 19
Jaime Yu
EntityIndividual
Role
Senior Key Executive
Senior EVP & Head of Branch Banking Group
Shares10,000
Max Price₱2.69
Sell₱37,86019 Jun 19
Edmundo Soriano
EntityIndividual
Shares14,000
Max Price₱2.71
Sell₱81,22019 Jun 19
Jaime Nasol
EntityIndividual
Shares30,000
Max Price₱2.71
Sell₱134,57119 Jun 19
Ricardo Martin
EntityIndividual
Shares50,000
Max Price₱2.69
Sell₱80,54917 Jun 19
Robert Sy
EntityIndividual
Shares30,000
Max Price₱2.69
Sell₱10,75117 Jun 19
Edna Tarroza
EntityIndividual
Shares4,000
Max Price₱2.69
Sell₱13,37911 Jun 19
Edna Tarroza
EntityIndividual
Shares5,000
Max Price₱2.68
Sell₱20,54130 May 19
Edna Tarroza
EntityIndividual
Shares8,000
Max Price₱2.58
Sell₱12,62629 May 19
Jose Alfredo Pascual
EntityIndividual
Shares5,000
Max Price₱2.53
Sell₱82,26922 May 19
Jonathan Cua
EntityIndividual
Shares31,000
Max Price₱2.65
Sell₱11,29522 May 19
Noel Sugay
EntityIndividual
Shares4,500
Max Price₱2.51
Sell₱26,42514 May 19
Lazaro Jerome Guevarra
EntityIndividual
Shares10,000
Max Price₱2.65
Sell₱10,75214 May 19
Reynaldo Tanjangco
EntityIndividual
Shares4,000
Max Price₱2.69
Sell₱25,53724 Apr 19
Lazaro Jerome Guevarra
EntityIndividual
Shares10,000
Max Price₱2.57
Sell₱25,33715 Apr 19
Gwyneth Entao
EntityIndividual
Shares10,000
Max Price₱2.53
Sell₱12,65915 Apr 19
Tomas Mendoza
EntityIndividual
Shares5,000
Max Price₱2.53
Sell₱25,11601 Apr 19
Ma. Corazon Mallillin
EntityIndividual
Shares10,000
Max Price₱2.53
Sell₱10,18401 Apr 19
Jose Alfredo Pascual
EntityIndividual
Shares4,000
Max Price₱2.55
Sell₱8,72528 Mar 19
Jose Alfredo Pascual
EntityIndividual
Shares3,500
Max Price₱2.49
Sell₱25,11315 Mar 19
Maria Antonio
EntityIndividual
Shares10,000
Max Price₱2.51
Sell₱19,38912 Mar 19
Jaime Nasol
EntityIndividual
Shares8,000
Max Price₱2.42
Sell₱6,27404 Mar 19
Jose Alfredo Pascual
EntityIndividual
Shares2,500
Max Price₱2.51
Sell₱354,12521 Feb 19
Marilyn Go
EntityIndividual
Role
Senior Key Executive
Senior VP & Deputy Treasurer
Shares134,697
Max Price₱2.63
Sell₱38,02815 Feb 19
Jesus Jacinto
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares14,000
Max Price₱2.72
Sell₱54,16314 Feb 19
Robert Sy
EntityIndividual
Shares20,000
Max Price₱2.71
Sell₱53,91914 Feb 19
Roy Allan Magturo
EntityIndividual
Shares20,000
Max Price₱2.70
Sell₱18,93014 Feb 19
Noel Sugay
EntityIndividual
Shares7,000
Max Price₱2.70
Sell₱10,81714 Feb 19
Manuel Locsin
EntityIndividual
Shares4,000
Max Price₱2.70
Sell₱21,68114 Feb 19
Gwyneth Entao
EntityIndividual
Shares8,000
Max Price₱2.72
Sell₱26,07504 Feb 19
Jesus Jacinto
EntityIndividual
Role
Vice Chairman
Vice Chairman of the Board
Shares10,000
Max Price₱2.61
Sell₱13,04701 Feb 19
Edward Wenceslao
EntityIndividual
Shares5,000
Max Price₱2.61
Sell₱50,15231 Jan 19
Ramon Militar
EntityIndividual
Role
Senior Key Executive
Senior Vice President
Shares20,000
Max Price₱2.52
Sell₱75,95525 Jan 19
Ricardo Martin
EntityIndividual
Shares30,000
Max Price₱2.54
Sell₱50,55811 Jan 19
Ramon David
EntityIndividual
Shares20,000
Max Price₱2.54
Sell₱14,83508 Jan 19
Gwyneth Entao
EntityIndividual
Shares6,000
Max Price₱2.48
Sell₱10,29510 Dec 18
Reynaldo Tanjangco
EntityIndividual
Shares4,000
Max Price₱2.57
Sell₱2,57010 Dec 18
Edna Tarroza
EntityIndividual
Shares1,000
Max Price₱2.57
Sell₱25,59010 Dec 18
Robert Sy
EntityIndividual
Shares10,000
Max Price₱2.56
Sell₱7,62610 Dec 18
Noel Sugay
EntityIndividual
Shares3,000
Max Price₱2.54
Sell₱25,40010 Dec 18
Manuel Locsin
EntityIndividual
Shares10,000
Max Price₱2.54
Sell₱10,24410 Dec 18
Jaime Nasol
EntityIndividual
Shares4,000
Max Price₱2.56
Sell₱2,46704 Dec 18
Edna Tarroza
EntityIndividual
Shares1,000
Max Price₱2.47
Sell₱14,59604 Dec 18
Ismael Estela
EntityIndividual
Shares6,000
Max Price₱2.46
Sell₱19,55804 Dec 18
Roy Allan Magturo
EntityIndividual
Shares8,000
Max Price₱2.47
Sell₱2,45727 Nov 18
Edna Rogando
EntityIndividual
Shares1,000
Max Price₱2.46
Sell₱46,87222 Nov 18
Lazaro Jerome Guevarra
EntityIndividual
Shares20,000
Max Price₱2.43
Sell₱58,58122 Nov 18
Manuel Locsin
EntityIndividual
Shares25,000
Max Price₱2.42
Sell₱4,69822 Nov 18
Edna Tarroza
EntityIndividual
Shares2,000
Max Price₱2.35
Sell₱23,58822 Nov 18
Robert Sy
EntityIndividual
Shares10,000
Max Price₱2.36
Sell₱32,51607 Nov 18
Lazaro Jerome Guevarra
EntityIndividual
Shares15,000
Max Price₱2.17
Sell₱1,83623 Oct 18
Ramon Militar
EntityIndividual
Role
Senior Key Executive
Senior Vice President
Shares850
Max Price₱2.16
Sell₱18,57802 Oct 18
Edwin Tajanlangit
EntityIndividual
Shares8,500
Max Price₱2.20

Ownership Breakdown


Management Team

  • Nestor Tan (61yo)

    President

    • Tenure: 5.6yrs
  • Jaime Yu (61yo)

    Senior EVP & Head of Branch Banking Group

    • Tenure: 0.0yrs
  • Evelyn Villanueva (60yo)

    Executive VP

    • Tenure: 0.0yrs
  • Rolando Tanchanco (57yo)

    Senior EVP & Head of Consumer Lending Group

    • Tenure: 0.0yrs
  • Luis Reyes (61yo)

    Executive VP and Head of Investor Relations & Corporate Planning

    • Tenure: 0.0yrs
  • Ramon Militar (60yo)

    Senior Vice President

    • Tenure: 0.0yrs
  • Marilyn Go (66yo)

    Senior VP & Deputy Treasurer

    • Tenure: 12.1yrs
  • Eduardo Francisco (58yo)

    Executive Vice President

    • Tenure: 0.0yrs
  • Billy Serrano (51yo)

    Corporate Information Officer

    • Tenure: 0.0yrs
  • Federico Tancongco (58yo)

    Senior VP

    • Tenure: 2.1yrs

Board Members

  • Teresita Sy-Coson (68yo)

    Chairperson

    • Tenure: 12.1yrs
  • Nestor Tan (61yo)

    President

    • Tenure: 5.6yrs
  • Josefina Tan (73yo)

    Non-Executive Director

    • Tenure: 12.1yrs
  • Jesus Jacinto (71yo)

    Vice Chairman of the Board

    • Tenure: 23.3yrs
  • Jose Buenaventura (84yo)

    Independent Director

    • Tenure: 6.3yrs
  • Roberto Lapid (63yo)

    President & Vice Chairman of BDO Leasing and Finance

    • Tenure: 8.7yrs
  • Jones Castro (70yo)

    Lead Independent Director

    • Tenure: 4.3yrs
  • Gilberto Teodoro (54yo)

    Independent Director

    • Tenure: 5.3yrs
  • Dioscoro-Roy Ramos (60yo)

    Independent Director

    • Tenure: 3.6yrs
  • Renato Vergel De Dios (66yo)

    President

    • Tenure: 9.8yrs

Company Information

BDO Unibank, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: BDO Unibank, Inc.
  • Ticker: BDOU.F
  • Exchange: OTCPK
  • Founded: 1967
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: ₱634.971b
  • Listing Market Cap: ₱12.136b
  • Shares outstanding: 4.38b
  • Website: https://www.bdo.com.ph

Number of Employees


Location

  • BDO Unibank, Inc.
  • BDO Corporate Center
  • 7899 Makati Avenue
  • Makati City
  • 726
  • Philippines

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BDOPSE (Philippines Stock Exchange)YesCommon StockPHPHPMay 2002
BDOU.FOTCPK (Pink Sheets LLC)YesCommon StockUSUSDMay 2002
BDOU.YOTCPK (Pink Sheets LLC)SPONSORED ADRUSUSDApr 2013

Biography

BDO Unibank, Inc. provides various banking products and services primarily in the Philippines. Its deposit products include savings, checking, and time deposit accounts; and loan portfolio comprises person ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/21 00:09
End of Day Share Price2019/05/23 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.