Financials / Banking ServicesUpdated 2026-05-10 22:07 UTC

PSE/UBP stock hub

PSE/UBP has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

86.6B

Philippine Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

PSE/UBP

In the news

Latest news · PSE/UBP

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Fetching the latest headlines.

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Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E7

P25 5P50 6.6P75 7

Trailing P/E8.7

P25 3.7P50 6.1P75 12.8

ROE5

P25 -0.1P50 7.7P75 11.9

ROICn/a

P25 -0.9P50 3.2P75 10.9

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All PSE/UBP market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

188

Groups with data

Currency

PHP

Showing 188 of 188 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Philippines
Country code	PH
Employees	5,482
Employees Change	-86%
Employees Change Percent	-1.54
Exchange	Philippine Stock Exchange
Financial currency	PHP
First seen	2026-05-10
Industry	Banking Services
Isin	PHY9091H1069
Last refreshed	2026-05-10
Market cap	PHP 86.6B
Price	PHP 26.1
Price currency	PHP
Rev Per Employee	11,322,902.96x
Sector	Financials
Sic	6020
Symbol	pse/UBP
Website	https://www.unionbankph.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	11.48%
FCF yield	-21.96%
Forward P/E	6.97x
P/B ratio	0.43x
P/E ratio	8.71x
P/S ratio	1.39x
PE Ratio10 Y	10.46x
PE Ratio3 Y	12.87x
PE Ratio5 Y	12.29x
PEG ratio	0.59x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	PHP 61.7B
Net Income	PHP 9.9B
Net Income Growth	-16.67%
Net Income Growth Q	1.51%
Net Income Growth3 Y	-7.6%
Net Income Growth5 Y	-2.96%
Pretax Margin	22.87%
Profit Margin	16.02%
Profit Per Employee	PHP 1.8M
ROA	0.87
Roa5y	1.13
ROE	5.01
Roe5y	7.71

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	1.6%
Cagr15y	5.43%
Cagr1y	-15.87%
Cagr20y	7.29%
Cagr3y	-23.36%
Cagr5y	-5.66%
Div CAGR10	-1.78%
Div CAGR3	7.72%
Div CAGR5	-14.63%
EPS Growth	-20.1
EPS Growth Q	1.51
EPS Growth3 Y	-15.38
EPS Growth5 Y	-12.88
Revenue Growth	3.54x
Revenue Growth Q	8.91x
Revenue Growth3 Y	8.85x
Revenue Growth5 Y	13x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	PHP 1.2T
Cash	PHP 120.6B
Debt	PHP 175.9B
Debt FCF	PHP -9.25
Equity	PHP 202.9B
Liabilities	PHP 956.6B
Net Cash	PHP -55.3B
Net Cash By Market Cap	PHP -63.84
Net Debt Equity	PHP 0.27
Tangible Book Value	PHP 124B
Tangible Book Value Per Share	PHP 37.39
WACC	2.42

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	PHP -718.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	-4.29%
Dividend Growth	0%
Dividend Growth Years	1%
Dividend per share	PHP 1
Dividend Years	29
Dividend Yield	3.83%
Ex Div Date	2026-03-13
Last Dividend	PHP 1
Payout Frequency	Annual
Payout Ratio	33.36%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	17.15%
1Y total return	-15.86%
200-day SMA	27.84
3Y total return	-54.99%
50-day SMA	25.27
50-day SMA vs 200-day SMA	50under200
5Y total return	-25.26%
All Time High	92.99
All Time High Change	-71.93%
All Time High Date	2022-02-07
All Time Low	4.1
All Time Low Change	535.96%
All Time Low Date	1998-09-10
ATR	0.73
Beta	0.56
Beta1y	0.31
Beta2y	0.24
Ch YTD	-1.88
High	26.1
High52	35
High52 Date	2025-05-14
High52ch	-25.43%
Low	25.55
Low52	23.55
Low52 Date	2026-04-14
Low52ch	10.83%
Ma50ch	3.27%
Price vs 200-day SMA	-6.23%
RSI	59.01
RSI Monthly	32.5
RSI Weekly	44.82
Sharpe ratio	-0.89x
Sortino ratio	-0.98
Total Return	-0.46%
Tr YTD	2.01
Tr15y	120.92%
Tr1m	6.97%
Tr1w	0.19%
Tr3m	5.59%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	PHP 15.2B
Operating margin	24.52

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	1,322,348,681%
Net Borrowing	-50,688,035,000
Shares Insiders	2.19%
Shares Institutions	19.34%
Shares Out	3,316,405,584
Shares Qo Q	0%
Shares Yo Y	4.29%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	PHP -19B
Average Volume	71,730x
Bv Per Share	60.93
CAPEX	PHP -1.5B
Ch10y	-29.77
Ch15y	13.94
Ch1m	6.97
Ch1w	0.19
Ch1y	-19.07
Ch20y	64.74
Ch3m	1.56
Ch3y	-59.58
Ch5y	-44.57
Ch6m	-6.79
Change	0.19%
Change From Open	0.38
Close	26.05
Days Gap	-0.19
Dollar Volume	368,010
Earnings Date	2026-05-11
EPS	PHP 3
F Score	2
FCF	PHP -19B
FCF Per Share	PHP -5.73
Financing CF	3,576,545,000
Fiscal Year End	December
Founded	1,968
Goodwill	53,992,565,000
Graham Number	64.10306
Graham Upside	145.6
Income Tax	PHP 4.2B
Investing CF	14,604,759,000
Is Primary Listing	1
Last Earnings Date	2025-11-05
Last Report Date	2025-12-31
Last Split Date	2023-12-21
Last Split Type	Forward
Lynch Fair Value	PHP 14.99
Lynch Upside	-42.58
Ma150	26.74
Ma150ch	-2.38%
Ma20	24.99
Ma20ch	4.46%
Net CF	645,353,000
Next Earnings Date	2026-05-11
Open	26
Payment Date	2026-03-23
Position In Range	100
Ppne	11,628,640,000
Price Date	2026-05-08
Ptbv Ratio	0.7
Relative Volume	0.2x
Revenue	62,072,154,000x
Tax By Revenue	6.76x
Tax Rate	29.56%
Tr20y	308.54%
Tr6m	-3.09%
Volume	14,100

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

PSE/UBP dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+3.8%

$1.00 annual per share

Payout ratio

+33.4%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

-14.6%

1 consecutive years of growth

Total shareholder yield

-0.5%

Next ex-dividend date: 2026-03-13

Performance

PSE/UBP stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns PSE/UBP?

Insider, institutional, and short-interest positioning.

Institutional ownership

+19.3%

Share of float held by funds and institutions

Insider ownership

+2.2%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

+4.3%

Negative means the company is buying back shares.

Technical

PSE/UBP momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

59.0

Neutral momentum band

Price vs 200-day MA

-6.2%

50/200-day relationship not available

Beta (5Y)

0.56

Less volatile than the market

Sharpe ratio

-0.89

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About PSE/UBP

Hub-level FAQ points readers to the deeper analysis pages.

What is the current pse/UBP stock rating?

pse/UBP is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full pse/UBP analysis?

The full report lives at /stocks/pse/UBP/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for pse/UBP?

The latest report frames pse/UBP around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the pse/UBP page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.