OTCPK:BDOU.Y

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

-0.4%

OTCPK:BDOU.Y

-1.8%

US Banks

0.2%

US Market


1 Year Return

17.6%

OTCPK:BDOU.Y

-15.3%

US Banks

-0.7%

US Market

BDOU.Y outperformed the Banks industry which returned -14.2% over the past year.

BDOU.Y outperformed the Market in United States of America which returned -0.5% over the past year.


Share holder returns

BDOU.YIndustryMarket
7 Day-0.4%-1.8%0.2%
30 Day-1.7%-6.4%-2.7%
90 Day11.2%-4.0%1.6%
1 Year18.3%17.6%-12.9%-15.3%1.6%-0.7%
3 Yearn/a41.3%31.7%40.0%30.9%
5 Yearn/a50.8%34.5%53.8%36.8%

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

No news available

Valuation

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

16.23x

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?

1.04%

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 (1.49%).

BDO Unibank's dividend is below the markets top 25% of dividend payers in United States of America (3.84%).

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

No 3 month open market individual insider trading information.


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.Y
  • Exchange: OTCPK
  • Founded: 1967
  • Industry: Diversified Banks
  • Sector: Banks
  • Market Cap: ₱642.817b
  • Listing Market Cap: ₱12.282b
  • 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 Analysis2019/08/20 00:30
End of Day Share Price2019/08/19 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.