1. Philippines Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
BDO Unibank, Inc.

BDO Unibank, Inc.

BDOUF
BDO Unibank, Inc.US flagOther OTC
2.12
USD
- -
- -
113.10BMarket Cap
BDO Unibank, Inc.
BDOUF
(Other OTC)

Recent

price

2.12

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
15.5
15.7
14.99
16.08
17.25
18.59
22.03
22.53
25.72
30.68
33.06
33.21
33.72
40.88
43.68
47.2
45.76
Revenue per Share
2.6
3.1
3.6
4.95
5
5.44
5.67
5.35
6.17
8.35
5.3
8.07
10.77
13.74
15.34
16.28
15.53
Basic EPS, GAAP
15.6
-5.19
-0.14
63.64
-8.54
-1.46
12.52
-1.73
15.66
-13.15
22.52
23.63
47.24
31.57
-11.73
1.99
-8.37
Free Cash Flow per Basic Share
0.75
0.9
0.09
1.76
1.76
1.76
1.04
1.09
1.07
1.06
1.06
1.06
1.95
3.05
3.86
4.37
4.12
Dividend per Share
- -
- -
19.74
20.36
23.58
27.55
32.4
34.17
38.13
44.95
49.11
55.8
43.92
55.25
64.84
74.67
68.06
Book Value per Share
27.15
27.81
37.47
34.95
37.51
41.02
44.38
54.62
59.67
67.67
71.79
77.47
84.29
94.19
105.05
117.36
112.95
Tangible Book Value per Share
3,268
3,373
3,930
4,497
4,497
4,522
4,566
5,186
5,246
5,254
5,261
5,262
5,264
5,314
5,319
5,328
5,357
Basic Weighted Avg Shares
50,664
52,963
58,899
72,323
77,565
84,039
100,597
116,864
134,914
161,176
173,916
174,746
177,476
217,254
232,312
251,466
245,090
Sales/Revenue/Turnover
20.75
- -
26.87
34.22
34.9
36.6
32.7
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2,880
2,850
3,059
2,760
3,262
3,961
4,782
5,172
5,776
8,850
9,190
9,198
9,768
12,656
12,171
12,921
12,451
Depreciation Expense
8,825
10,787
14,483
22,608
22,805
24,917
26,234
28,070
32,708
44,194
28,246
42,791
57,054
73,411
82,019
87,174
83,194
Net Income, GAAP
15.52
13.82
9.75
8.5
15.66
18.6
20.57
25.17
25.22
25.38
38.62
23.15
21.8
24.31
20.71
18.7
19.88
Effective Tax Rate (%)
17.42
20.37
24.59
31.26
29.4
29.65
26.08
24.02
24.24
27.42
16.24
24.49
32.15
33.79
35.31
34.67
33.94
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
67,064
97,729
100,359
97,250
110,391
107,573
110,586
140,514
153,653
189,597
221,445
215,625
198,891
175,082
262,191
355,517
265,050
LT Debt
88,732
93,800
154,371
164,354
179,669
199,613
217,559
298,340
328,149
370,587
393,021
424,548
461,457
518,554
577,395
644,146
611,175
Total Equity
6.97
- -
6.39
8.74
8.24
8.35
8.19
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
36.5
26.33
22.74
21.31
19.01
17.06
17.16
20.11
11.29
15.38
21.61
27.82
25.56
23.36
24.52
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
6,180
6,180
6,180
Shares Outstanding
5,272
5,273
5,327
Market Capitalization
936,104
737,724
1,003,592

Working Capital

FRC

•

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
460,940
415,872
419,853
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
12.71%
10.4%
11.56%
Free Cash Flow
-273.69%
-36.36%
-116.99%
Net Income, GAAP
15.93%
26.3%
6.29%
Sales/Revenue/Turnover
11.83%
7.92%
8.24%
Total Cash Common Dividend
16.6%
37.76%
13.56%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
62,103
65,792
66,323
38,768
232,312
2025
68,036
71,963
38,381
- -
251,466
2026
74,922
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3.43
3.94
3.98
- -
15.34
2025
3.63
3.93
- -
- -
16.28
2026
3.69
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.81
1.06
0.99
- -
3.86
2025
1.05
1.1
- -
- -
4.37
2026
1.15
- -
- -
- -
- -
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Business
BDO Unibank, Inc., alongside its affiliated entities, delivers a comprehensive spectrum of banking and financial solutions primarily across the Philippines. Its offerings encompass a variety of deposit products, including checking, savings, and time deposit accounts, in addition to foreign currency options. The bank's lending portfolio features personal, automotive, home, small and medium-enterprise, project finance, and working capital facilities. Complementing these are diverse insurance products spanning life, non-life, property, and casualty coverage, alongside corporate insurance brokerage services. Furthermore, the institution provides remittance services, an array of trade financing solutions such as trade settlements, trust receipts, export bill purchases, and letters of credit, as well as sophisticated trust and investment services covering unit investment trust funds, portfolio management, escrow, and investment advisory. Through its subsidiaries, BDO extends into investment banking, offering equity and fixed income underwriting, financial advisory, and securitization. It also delivers leasing and financing arrangements, cash management, treasury services, debit and credit cards, and robust digital banking platforms, including online, mobile, and phone banking capabilities. As of December 31, 2024, BDO Unibank operated an expansive network comprising 1,791 consolidated branches, including full-service international branches in Hong Kong and Singapore, alongside over 5,800 teller machines nationwide. The bank recorded a net income of P82 billion in 2024, driven by strong growth in its core businesses. BDO Unibank, Inc. was established in 1967 and maintains its headquarters in Makati City, Philippines.