BDO Unibank, Inc. Website

BDO Unibank, Inc.

PSE-BDO

Basic

  • Market Cap

    ₱757.46B

  • EV

  • Shares Out

    5,271.14M

  • Revenue

    ₱261.58B

  • Employees

Margins

  • Gross

  • EBITDA

  • Operating

  • Pre-Tax

    37.84%

  • Net

    28.83%

  • FCF

    -113.79%

Returns (5Yr Avg)

  • ROA

    1.34%

  • ROTA

    11.7%

  • ROE

    11.64%

  • ROCE

  • ROIC

    1.67%

Valuation (TTM)

  • P/E

  • P/B

  • EV/Sales

  • EV/EBITDA

  • P/FCF

  • EV/Gross Profit

Valuation (NTM)

  • Price Target

    ₱173.34

  • P/E

  • PEG

  • EV/Sales

  • EV/EBITDA

  • P/FCF

Financial Health

  • Cash

  • Net Debt

    -₱72.44B

  • Debt/Equity

  • EBIT/Interest

Growth (CAGR)

  • Rev 3Yr

    17.74%

  • Rev 5Yr

    11.5%

  • Rev 10Yr

  • Dil EPS 3Yr

    36.15%

  • Dil EPS 5Yr

    15.38%

  • Dil EPS 10Yr

    13.2%

  • Rev Fwd 2Yr

    7.7%

  • EBITDA Fwd 2Yr

    4.66%

  • EPS Fwd 2Yr

    8.78%

  • EPS LT Growth Est

    27.8%

Dividends

  • Yield

  • Payout

    21.06%

  • DPS

    ₱3

  • DPS Growth 3Yr

    44.23%

  • DPS Growth 5Yr

    24.57%

  • DPS Growth 10Yr

    11.61%

  • DPS Growth Fwd 2Yr

    12.57%

Select a metric from the list below to chart it

Dec '14

Jan '16

Dec '16

Dec '17

Dec '18

Dec '19

Dec '20

Dec '21

Dec '22

Dec '23

LTM

Dec '24 (E)

Dec '25 (E)

Dec '26 (E)

Interest Income On Loans

160,572

157,031

144,879

169,071

240,196

250,352

Interest Income On Investments

2,723

Interest Income, Total

160,572

157,031

144,879

169,071

240,196

253,075

Interest On Deposits

40,681

23,331

13,533

19,839

53,809

60,420

Total Interest On Borrowings

706

Interest Expense, Total

40,681

23,331

13,533

19,839

53,809

61,126

Net Interest Income

119,891

133,700

131,346

149,232

186,387

191,949

Trust Income

3,532

3,811

4,364

4,555

4,698

4,782

Income From Trading Activities

1,357

5,563

220

-600

1,570

537

Gain (Loss) on Sale of Assets

1,131

1,169

1,275

483

943

943

Gain (Loss) on Sale of Invest. & Securities

6,107

6,107

Income (Loss) on Equity Invest.

696

814

849

1,273

1,273

Total Other Non Interest Income

53,395

44,667

54,681

66,248

69,595

72,533

Non Interest Income, Total

60,111

55,210

61,354

71,535

84,186

86,175

Revenues Before Provison For Loan Losses

180,002

188,910

192,700

220,767

270,573

278,124

Provision For Loan Losses

6,021

29,661

16,942

16,564

16,421

16,543

Total Revenues

173,981

159,249

175,758

204,203

254,152

261,581

Total Revenues % Chg.

22.1%

-8.5%

10.4%

16.2%

24.5%

20.8%

Salaries And Other Employee Benefits

34,391

37,038

41,471

44,111

47,278

48,818

Stock-Based Compensation

994

354

273

294

903

903

Amort. of Goodwill & Intang. Assets

546

734

1,342

1,356

2,937

2,937

Occupancy Expense

11,117

11,172

11,204

12,887

14,700

14,700

Selling General & Admin Expenses, Total

15,899

12,776

13,061

12,768

17,531

18,673

Total Other Non Interest Expense

51,099

50,033

51,779

58,738

72,767

75,544

Non Operating (Income) Expenses

-2

Non Interest Expense, Total

114,046

112,107

119,130

130,154

156,116

161,573

EBT, Excl. Unusual Items

59,935

47,142

56,628

74,049

98,036

100,008

Impairment of Goodwill

-18

-36

Asset Writedown

-200

-493

-57

-2

3

-27

Legal Settlements

-548

-601

-773

-854

-689

-823

Other Unusual Items

-169

-169

EBT, Incl. Unusual Items

59,187

46,030

55,762

73,193

97,181

98,989

Income Tax Expense

15,019

17,776

12,907

15,959

23,621

23,420

Earnings From Continuing Operations

44,168

28,254

42,855

57,234

73,560

75,569

Minority Interest

26

-8

-64

-180

-149

-159

Net Income

44,194

28,246

42,791

57,054

73,411

75,410

Preferred Dividend and Other Adjustments

339

339

340

339

407

407

Net Income to Common Incl Extra Items

43,855

27,907

42,451

56,715

73,004

75,003

Net Income to Common Excl. Extra Items

43,855

27,907

42,451

56,715

73,004

75,003

Total Shares Outstanding

5,257.6

5,261.1

5,262.6

5,264.2

5,268.4

5,268.7

Weighted Avg. Shares Outstanding

5,253.6

5,261

5,262

5,264

5,266

5,266.3

Weighted Avg. Shares Outstanding Dil

5,253.6

5,261

5,313

5,322

5,313

5,313.3

EPS

8.3

5.3

8.1

10.8

13.9

14.2

EPS Diluted

8.3

5.3

8.1

10.7

13.8

14.2

Effective Tax Rate

25.4%

38.6%

23.1%

21.8%

24.3%

23.7%