BDO Unibank, Inc. (BDOUF)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in PHP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | PHP bn | 174 | 175 | 177 | 217 | 147 | 277 | 302 | - |
| Operating profit | PHP bn | 111 | 109 | ||||||
| Net profit | PHP bn | 28 | 43 | 57 | 73 | 82 | 88 | 88 | - |
| EPS reported | PHP | 1.62 | 1.62 | ||||||
| Operating cashflow per share | PHP | 1.82 | 35.17 | ||||||
| Capex per share | PHP | 0.24 | 2.43 | ||||||
| FCF per share | PHP | 1.58 | 32.75 | ||||||
| Free cash flow | PHP bn | 84 | 208 | ||||||
| Net debt | PHP bn | -46 | 97 | ||||||
| Book value equity | PHP bn | 641 | 656 | ||||||
| Book value per share | PHP | 11.92 | 749.8 | ||||||
| Number of shares | m | 53,760.8 | 874.49 | ||||||
| DPS (TTM paid) | PHP | 4.68 | 4.54 |
Financial summary
Financials in PHP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | 82.00 | ||||||
| P/B LTM | x | 10.52 | 10.28 | ||||||
| P/S LTM | x | 24.36 | 22.31 | ||||||
| P/FCF LTM | x | 80.09 | 32.42 | ||||||
| EV/EBITDA LTM | x | 78.08 | 55.35 | ||||||
| EV/Sales LTM | x | 18.44 | 1.57 | ||||||
| Earnings Yield LTM | % | +1.30% | +1.22% | ||||||
| FCF Yield | % | +1.25% | +3.08% | ||||||
| Quality | |||||||||
| ROE | % | +13.67% | +13.68% | ||||||
| ROIC | % | +1.66% | +6.58% | ||||||
| Operating margin | % | +30.14% | +26.37% | ||||||
| Gross margin | % | +77.04% | +72.53% | ||||||
| FCF/Sales | % | +22.83% | +42.13% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +5.19% | +5.19% | ||||||
| Sales Growth YoY | % | +88.45% | +105.76% | ||||||
| Net Income Growth YoY | % | +6.81% | +6.93% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | -5.23% | -6.78% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.35% | +3.84% | ||||||
| Dividend Growth | % | +14.48% | +11.11% | ||||||
| Payout Ratio | % | +27.33% | +27.46% | ||||||
| FCF/Debt | x | 0.21 | 0.46 | ||||||
| Net Debt/EBITDA | x | 0.64 | 0.08 | ||||||
| EBIT/Net interest | x | 1.21 | 1.10 | ||||||
| Net debt/market cap | % | +5.71% | +70.16% | ||||||
| Net debt/Equity | x | -0.07 | 0.15 | ||||||
| Gross debt/equity | x | 0.62 | 0.69 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
BDO Unibank, Inc., operating in conjunction with its subsidiaries, offers a wide array of banking and financial solutions, predominantly serving clients throughout the Philippines. The institution's core product offerings feature diverse deposit accounts, such as savings, checking, and fixed-term deposits. Its substantial lending portfolio addresses both individual requirements—like personal, automobile, and housing loans—and business needs, including financing for small and medium enterprises, project development, term-based funding, and working capital. Beyond conventional banking, BDO Unibank provides a comprehensive suite of insurance products, covering life, motor vehicles, homes, personal accidents, travel, and employee benefits. The bank also facilitates money transfers through its remittance services and supports commercial transactions with trade financing mechanisms, suchading settlements, trust receipts, export bill purchases, and letters of credit. Crucially, it delivers extensive trust and investment services, which include unit investment trust funds, expert portfolio management, escrow arrangements, security/collateral/bond trusteeship, facility/paying agency roles, and specialized investment advisory. Additionally, the company is involved in investment banking, offering services like the underwriting of equity and fixed-income securities, providing financial advisory, making direct equity investments, facilitating securitization, and distributing retail treasury bonds. Leasing and financing solutions are also available, encompassing direct leases, sale-and-leaseback transactions, and vehicle and equipment leasing. Clients benefit from comprehensive cash management services, treasury operations, and a full range of debit and credit card products. Modern banking convenience is ensured via mini POS terminals, online platforms, mobile applications, and phone banking services. By the close of December 2021, BDO Unibank maintained a significant physical presence, comprising 1,193 branches, two of which were located internationally. This network was further enhanced by 4,152 automated teller machines (ATMs), 624 cash accept machines, and 9 self-service teller machines. Established in 1967, BDO Unibank, Inc. is headquartered in Makati City, Philippines.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
BDO Unibank, Inc., operating in conjunction with its subsidiaries, offers a wide array of banking and financial solutions, predominantly serving clients throughout the Philippines. The institution's core product offerings feature diverse deposit accounts, such as savings, checking, and fixed-term deposits. Its substantial lending portfolio addresses both individual requirements—like personal, automobile, and housing loans—and business needs, including financing for small and medium enterprises, project development, term-based funding, and working capital. Beyond conventional banking, BDO Unibank provides a comprehensive suite of insurance products, covering life, motor vehicles, homes, personal accidents, travel, and employee benefits. The bank also facilitates money transfers through its remittance services and supports commercial transactions with trade financing mechanisms, suchading settlements, trust receipts, export bill purchases, and letters of credit. Crucially, it delivers extensive trust and investment services, which include unit investment trust funds, expert portfolio management, escrow arrangements, security/collateral/bond trusteeship, facility/paying agency roles, and specialized investment advisory. Additionally, the company is involved in investment banking, offering services like the underwriting of equity and fixed-income securities, providing financial advisory, making direct equity investments, facilitating securitization, and distributing retail treasury bonds. Leasing and financing solutions are also available, encompassing direct leases, sale-and-leaseback transactions, and vehicle and equipment leasing. Clients benefit from comprehensive cash management services, treasury operations, and a full range of debit and credit card products. Modern banking convenience is ensured via mini POS terminals, online platforms, mobile applications, and phone banking services. By the close of December 2021, BDO Unibank maintained a significant physical presence, comprising 1,193 branches, two of which were located internationally. This network was further enhanced by 4,152 automated teller machines (ATMs), 624 cash accept machines, and 9 self-service teller machines. Established in 1967, BDO Unibank, Inc. is headquartered in Makati City, Philippines.
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