Union Bank of the Philippines Geçmiş Kazanç Performansı

Geçmiş kriter kontrolleri 1/6

Union Bank of the Philippines şirketinin kazançları yıllık ortalama -7.3% oranında azalırken, Banks sektörünün kazançları yıllık 17.4% oranında artan oldu. Gelirler yıllık ortalama 13.2% oranında artan oldu. Union Bank of the Philippines şirketinin öz sermaye getirisi 5% olup, net marjı 16.6% dir.

Anahtar bilgiler

-7.3%

Kazanç büyüme oranı

-17.3%

EPS büyüme oranı

Banks Sektör Büyümesi	13.5%
Gelir büyüme oranı	13.2%
Özkaynak getirisi	5.0%
Net Marj	16.6%
Son Kazanç Güncellemesi	30 Sep 2024

Yakın geçmiş performans güncellemeleri

Recent updates

Gelir ve Gider Dağılımı

Union Bank of the Philippines nasıl para kazanır ve harcar. LTM bazında en son bildirilen kazançlara dayanmaktadır.

Kazanç ve Gelir Geçmişi

PSE:UBP Gelir, gider ve kazançlar (PHP Millions )
Tarih	Gelir	Kazançlar	G+A Giderleri
30 Sep 24	57,412	9,533	23,196
30 Jun 24	55,603	8,034	22,342
31 Mar 24	56,499	7,528	22,663
31 Dec 23	56,737	9,072	22,271
30 Sep 23	58,138	10,591	19,215
30 Jun 23	57,597	12,660	18,673
31 Mar 23	52,364	13,550	16,644
31 Dec 22	48,132	12,601	15,146
30 Sep 22	42,268	11,868	12,316
30 Jun 22	36,875	10,222	11,652
31 Mar 22	37,080	10,383	11,940
31 Dec 21	39,304	12,525	12,239
30 Sep 21	39,852	13,739	11,965
30 Jun 21	41,229	15,565	11,701
31 Mar 21	38,097	14,286	11,256
31 Dec 20	33,690	11,553	10,778
30 Sep 20	35,696	13,924	11,003
30 Jun 20	35,813	13,517	11,271
31 Mar 20	35,483	13,780	11,250
31 Dec 19	34,823	14,026	11,177
30 Sep 19	29,498	9,372	10,497
30 Jun 19	25,765	6,943	9,511
31 Mar 19	24,617	6,171	8,848
31 Dec 18	24,617	6,876	8,392
30 Sep 18	24,624	8,106	7,472
30 Jun 18	24,919	8,767	7,374
31 Mar 18	25,011	9,135	7,269
01 Jan 18	24,103	7,904	7,362
30 Sep 17	22,479	8,312	6,410
30 Jun 17	24,834	10,501	7,062
31 Mar 17	24,346	10,659	6,855
01 Jan 17	23,556	10,058	6,817
30 Sep 16	24,348	10,477	6,587
30 Jun 16	20,391	6,924	5,596
31 Mar 16	19,510	6,139	5,384
31 Dec 15	19,113	6,008	5,374
30 Sep 15	18,681	6,072	5,148
30 Jun 15	18,547	6,939	5,004
31 Mar 15	18,884	7,474	4,950
31 Dec 14	19,757	8,401	4,874
30 Sep 14	18,137	7,682	4,457
30 Jun 14	17,724	7,298	4,399
31 Mar 14	17,914	7,430	4,416
31 Dec 13	20,077	9,025	4,620

Kaliteli Kazançlar: UBP yüksek kaliteli kazançlar sağlıyor.

Büyüyen Kar Marjı: UBP 'nin mevcut net kar marjları (16.6%) geçen yılın (18.2%) değerinden daha düşüktür.

Serbest Nakit Akışı ve Kazanç Analizi

Geçmiş Kazanç Büyüme Analizi

Kazanç Eğilimi: UBP şirketinin kazançları son 5 yılda yılda 7.3% oranında azaldı.

Büyüme Hızlandırma: UBP 'in son bir yıldır negatif kazanç büyümesi oldu, bu nedenle 5 yıllık ortalamasıyla karşılaştırılamaz.

Kazançlar vs. Sektör: UBP geçtiğimiz yıl negatif kazanç büyümesine ( -10% ) sahipti ve bu da onu Banks sektör ortalamasıyla ( 17.4% ) karşılaştırmayı zorlaştırıyordu.

Özkaynak Getirisi

Yüksek ROE: UBP 'nin Özsermaye Getirisi ( 5% ) düşük olarak değerlendiriliyor.

Varlık Getirisi

Kullanılan Sermaye Getirisi

Geçmişte güçlü performans gösteren şirketleri keşfedin

Şirket Analizi ve Finansal Veri Durumu

Veri	Son Güncelleme (UTC saati)
Şirket Analizi	2024/12/21 10:37
Gün Sonu Hisse Fiyatı	2024/12/20 00:00
Kazançlar	2024/09/30
Yıllık Kazançlar	2023/12/31

Veri Kaynakları

Şirket analizimizde kullanılan veriler S&P Global Market Intelligence LLC'den alınmıştır. Bu raporu oluşturmak için analiz modelimizde aşağıdaki veriler kullanılmıştır. Veriler normalize edilmiştir, bu da kaynağın mevcut olmasından kaynaklanan bir gecikmeye neden olabilir.

Paket	Veri	Zaman Çerçevesi	Örnek ABD Kaynağı ^*
Şirket Finansalları	10 yıl	Gelir tablosu Nakit akış tablosu Bilanço	SEC Form 10-K SEC Form 10-Q
Analist Konsensüs Tahminleri	+3 yıl	Finansal tahminler Analist fiyat hedefleri	Analist Araştırma Raporları Blue Matrix
Piyasa Fiyatları	30 yıl	Hisse senedi fiyatları Temettüler, Bölünmeler ve Eylemler	ICE Piyasa Verileri SEC Form S-1
Sahiplik	10 yıl	En büyük hissedarlar İçeriden öğrenenlerin ticareti	SEC Form 4 SEC Form 13D
Yönetim	10 yıl	Liderlik ekibi Yönetim Kurulu	SEC Form 10-K SEC Form DEF 14A
Önemli Gelişmeler	10 yıl	Şirket duyuruları	SEC Form 8-K

* ABD menkul kıymetleri için örnek, ABD dışı için eşdeğer düzenleyici formlar ve kaynaklar kullanılır.

Belirtilmediği sürece tüm finansal veriler yıllık bir döneme dayanmaktadır ancak üç ayda bir güncellenmektedir. Bu, İzleyen On İki Ay (TTM) veya Son On İki Ay (LTM) Verileri olarak bilinir. Buradan daha fazla bilgi edinin.

Analiz Modeli ve Kar Tanesi

Bu raporu oluşturmak için kullanılan analiz modelinin ayrıntıları Github sayfamızda mevcuttur, ayrıca raporlarımızın nasıl kullanılacağına dair kılavuzlarımız ve Youtube'da eğitimlerimiz bulunmaktadır.

Simply Wall St analiz modelini tasarlayan ve oluşturan dünya standartlarındaki ekip hakkında bilgi edinin.

Endüstri ve Sektör Metrikleri

Sektör ve bölüm metriklerimiz Simply Wall St tarafından her 6 saatte bir hesaplanmaktadır, sürecimizin ayrıntıları 'da mevcuttur.

Analist Kaynakları

Union Bank of the Philippines 13 Bu analistlerden 4, raporumuzun girdisi olarak kullanılan gelir veya kazanç tahminlerini sunmuştur. Analistlerin gönderimleri gün boyunca güncellenmektedir.

Analist	Kurum
Joahnna Soriano	BofA Global Research
Alfred Dy	CLSA
Charles William Ang	COL Financial Group, Inc

Union Bank of the Philippines Geçmiş Kazanç Performansı

Geçmiş kriter kontrolleri 1/6

Anahtar bilgiler

Yakın geçmiş performans güncellemeleri

Third quarter 2024 earnings: EPS and revenues exceed analyst expectations

Second quarter 2024 earnings: EPS and revenues miss analyst expectations

First quarter 2024 earnings: EPS and revenues miss analyst expectations

Full year 2023 earnings released: EPS: ₱3.06 (vs ₱5.16 in FY 2022)

Third quarter 2023 earnings: EPS misses analyst expectations

Second quarter 2023 earnings: EPS in line with analyst expectations despite revenue beat

Recent updates

Union Bank of the Philippines Announces Resignation of Rachel Christine T. Geronimo, Chief Remedial and Recovery Officer and Senior Vice President

Union Bank of the Philippines Appoints Bhuvanesh Hingoraney as Platforms and Solutions Delivery Head Under Information Technology and Services Group with the Rank of Senior Vice President

Third quarter 2024 earnings: EPS and revenues exceed analyst expectations

Union Bank of the Philippines (PSE:UBP) agreed to acquire 27.50% stake in ATR Asset Management, Inc.

Union Bank of the Philippines Announces Resignation of Edith C. Roberto as CoBrand and Corporate Cards Head, Effective November 6, 2024

Union Bank of the Philippines Announces Executive Resignations

Chairman of the Board recently bought ₱1.5m worth of stock

Union Bank of the Philippines Announces Executive Resignations

New minor risk - Insider selling

Insider recently bought ₱590k worth of stock

Union Bank of the Philippines Announces Executive Resignations

Union Bank of the Philippines Announces Resignation of Amabelle Gay P. Jimenez as Credit Controls Head, Effective August 27, 2024

Second quarter 2024 earnings: EPS and revenues miss analyst expectations

Insider recently bought ₱359k worth of stock

Union Bank of the Philippines Announces Separation of Ma Adelita N. Peña, Senior Vice President, Effective August 1, 2024

Union Bank of the Philippines Announces Resignations of Senior Officers

Now 23% overvalued

Union Bank of the Philippines Announces Resignation of Henry Rhoel R. Aguda as Senior Executive Vice President, Effective October 1, 2024

Union Bank of the Philippines Approves Promotion of Officers

Union Bank of the Philippines Announces CEO Changes, Effective January 1, 2025

Consensus EPS estimates increase by 29%

Union Bank of the Philippines Announces Appointment of Simran Khanna as Head of Consumer Risk with the Rank of Senior Vice President

Insider recently sold ₱13m worth of stock

Investor sentiment improves as stock rises 21%

Union Bank of the Philippines Announces the Resignation of Kaila T. Hizon as Transaction Banking Services Head, Effective June 1, 2024

New minor risk - Shareholder dilution

Consensus EPS estimates fall by 30%

Union Bank of the Philippines Announces Resignation of Atty. Mayla S. Domingo as Corporate Affairs Head, Effective June 1, 2024

Insider recently sold ₱6.8m worth of stock

First quarter 2024 earnings: EPS and revenues miss analyst expectations

Union Bank of the Philippines Announces the Resignation of Mark Dennis C. Tuazon as Wealth Branch and ATM Operations Head and Vice President, Effective May 1, 2024

Union Bank of the Philippines Announces Management Resignations

Union Bank of the Philippines Announces Resignation of Hazeline A. Sigua as ATM Vendor Management Head, Effective April 10, 2024

Chairman of the Board recently bought ₱3.7m worth of stock

Full year 2023 earnings released: EPS: ₱3.06 (vs ₱5.16 in FY 2022)

Union Bank of the Philippines Appoints Mukul Sukhani as Head of Cards and Loans with the Rank of Executive Vice President

Union Bank of the Philippines Announces David R. Hardoon Resigns as Chief Data and Ai Officer

Union Bank of the Philippines, Annual General Meeting, Apr 26, 2024

Chairman of the Board recently bought ₱7.0m worth of stock

Upcoming dividend of ₱0.80 per share at 1.8% yield

Dividend of ₱0.80 announced

Union Bank of the Philippines Appoints Additional Members of the Related Party Transaction Committee

Union Bank of the Philippines Announces Resignation of Ms. Sigrid Joyce D. Cruz as Digital Loans Head and Assistant Vice President

Union Bank of the Philippines Announces Resignation of Senior Officers

Union Bank of the Philippines Announces Hiring of Senior Officers

Consensus EPS estimates increase by 19%

Union Bank of the Philippines Announces Executive Resignations

Investor sentiment improves as stock rises 31%

Price target decreased by 7.1% to ₱70.81

Union Bank of the Philippines and S&R Launch Co-Branded Credit Card

Consensus EPS estimates fall by 18%

Union Bank of the Philippines Announces Executive Resignations

Third quarter 2023 earnings: EPS misses analyst expectations

Union Bank of the Philippines Announces Executive Changes

Union Bank of the Philippines Announces Resignation of Marc Nicholas S. Angeles as Business Process Automation Head

Union Bank of the Philippines Announces Executive Appointments

Union Bank of the Philippines Announces Executive Changes

Union Bank of the Philippines Announces Resignation of Eduardo V. Enriquez III as SME Business Head and Senior Vice President, Effective November 1, 2023

Union Bank of the Philippines Unveils Four New Credit Cards

Union Bank of the Philippines Announces Resignation of Jonathan Z. Almeda as Payments and Clearing Management Head

Melvin S. Guinto, Risk Bureau Officer and Assistant Vice President, Resigns from Union Bank of the Philippines, Effective October 13, 2023

Union Bank of the Philippines(PSE:UBP) dropped from Philippines PSE Composite Index

Non-Executive Director recently bought ₱6.2m worth of stock

Union Bank of the Philippines Announces Retirement of Hector C. De Leon as Card Operations Head and Vice President, Effective October 1, 2023

Non-Executive Director recently bought ₱26m worth of stock

Union Bank of the Philippines Announces Executive Resignations

Union Bank of the Philippines Announces Executive Changes

Union Bank of the Philippines Announces Resignation of Senior Officers

Second quarter 2023 earnings: EPS in line with analyst expectations despite revenue beat