BDO Unibank, Inc. (BDOUY)
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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 | 315 | - |
| Operating profit | PHP bn | 111 | 109 | ||||||
| Net profit | PHP bn | 28 | 43 | 57 | 73 | 82 | 88 | 88 | 88 |
| EPS reported | PHP | 162.1 | 162.2 | ||||||
| Operating cashflow per share | PHP | 182.1 | 351.7 | ||||||
| Capex per share | PHP | 24.21 | 24.28 | ||||||
| FCF per share | PHP | 157.8 | 327.5 | ||||||
| Free cash flow | PHP bn | 84 | 175 | ||||||
| Net debt | PHP bn | -46 | 10 | ||||||
| Book value equity | PHP bn | 641 | 656 | ||||||
| Book value per share | PHP | 1,192 | 1,220 | ||||||
| Number of shares | m | 537.61 | 537.61 | ||||||
| DPS (TTM paid) | PHP | 52.27 | 45.13 |
Financial summary
Financials in PHP| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | - | 6.93 | ||||||
| P/B LTM | x | 1.13 | 1.10 | ||||||
| P/S LTM | x | 2.61 | 2.29 | ||||||
| P/FCF LTM | x | 8.57 | 4.13 | ||||||
| EV/EBITDA LTM | x | 8.92 | 6.52 | ||||||
| EV/Sales LTM | x | 2.11 | 1.57 | ||||||
| Earnings Yield LTM | % | +12.14% | +14.43% | ||||||
| FCF Yield | % | +11.67% | +24.21% | ||||||
| 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% | +42.12% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +5.06% | +5.12% | ||||||
| Sales Growth YoY | % | +88.45% | +114.73% | ||||||
| Net Income Growth YoY | % | +6.81% | +6.94% | ||||||
| FCF Growth | % | - | - | ||||||
| Operating Profit Growth | % | -5.23% | -6.77% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +3.30% | +3.84% | ||||||
| Dividend Growth | % | +100.17% | +72.85% | ||||||
| Payout Ratio | % | +27.31% | +27.41% | ||||||
| FCF/Debt | x | 0.21 | 0.39 | ||||||
| Net Debt/EBITDA | x | 0.64 | 0.08 | ||||||
| EBIT/Net interest | x | 1.21 | 1.10 | ||||||
| Net debt/market cap | % | +53.38% | +70.16% | ||||||
| Net debt/Equity | x | -0.07 | 0.01 | ||||||
| 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., alongside its subsidiaries, primarily delivers a wide array of banking and financial services across the Philippines. The institution provides various deposit solutions, including savings, current, and fixed-term accounts. Its diverse lending portfolio features personal, automotive, residential, and small and medium-enterprise loans, in addition to financing for specific projects, term funding, and working capital. Beyond conventional banking, the company offers a range of insurance products such as life, vehicle, property, personal accident, travel, and employee benefits. It also facilitates money remittance services and provides trade finance options, including trade settlements, trust receipts, export bill purchases, and letters of credit. Through its trust and investment arm, BDO Unibank delivers unit investment trust funds, tailored portfolio management, escrow services, trusteeship for securities, collateral, and bonds, paying agency functions, and professional investment advice. Furthermore, the bank is active in investment banking, undertaking equity and fixed-income underwriting, offering financial advisory, making direct equity investments, facilitating securitization, and distributing retail treasury bonds. The company's comprehensive suite of services also encompasses leasing and financing arrangements like direct leases, sale-and-leaseback transactions, and vehicle and equipment leasing, coupled with cash management services. Other offerings include treasury operations, the issuance of debit and credit cards, and a variety of digital banking options such as mini-POS devices, online platforms, mobile apps, and phone banking. As of December 31, 2021, BDO Unibank operated an extensive network featuring 1,193 branches (including two international locations), 4,152 automated teller machines (ATMs), 624 cash acceptance machines, and 9 self-service teller machines. Established in 1967, BDO Unibank, Inc. is headquartered in Makati City, the 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., alongside its subsidiaries, primarily delivers a wide array of banking and financial services across the Philippines. The institution provides various deposit solutions, including savings, current, and fixed-term accounts. Its diverse lending portfolio features personal, automotive, residential, and small and medium-enterprise loans, in addition to financing for specific projects, term funding, and working capital. Beyond conventional banking, the company offers a range of insurance products such as life, vehicle, property, personal accident, travel, and employee benefits. It also facilitates money remittance services and provides trade finance options, including trade settlements, trust receipts, export bill purchases, and letters of credit. Through its trust and investment arm, BDO Unibank delivers unit investment trust funds, tailored portfolio management, escrow services, trusteeship for securities, collateral, and bonds, paying agency functions, and professional investment advice. Furthermore, the bank is active in investment banking, undertaking equity and fixed-income underwriting, offering financial advisory, making direct equity investments, facilitating securitization, and distributing retail treasury bonds. The company's comprehensive suite of services also encompasses leasing and financing arrangements like direct leases, sale-and-leaseback transactions, and vehicle and equipment leasing, coupled with cash management services. Other offerings include treasury operations, the issuance of debit and credit cards, and a variety of digital banking options such as mini-POS devices, online platforms, mobile apps, and phone banking. As of December 31, 2021, BDO Unibank operated an extensive network featuring 1,193 branches (including two international locations), 4,152 automated teller machines (ATMs), 624 cash acceptance machines, and 9 self-service teller machines. Established in 1967, BDO Unibank, Inc. is headquartered in Makati City, the Philippines.
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