BDO Unibank

PHS:BDO · PHY077751022

BanksMedium

360

Value78

Profit price91

Cash yield57

Sales & asset price72

Price/Sales71

EV / Gross Profit72

Price/Book73

Quality84

Returns on capital83

Profit margins—

Cash backing23

Cash Conversion35

Accruals6

Owner Earnings Margin29

Growth60

Sales growth67

Profit growth46

Profit Growth72

Long-Term EPS Growth33

Owner Earnings Growth34

Reinvestment81

Price momentum15

Safety49

Debt load38

Debt serviceability8

Liquidity22

Sentiment90

Analyst ratings86

Expectations trend72

Opinion Changes43

Price Target Upside100

Market mood89

Value Creation10/20creating some value

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

BDO Unibank clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryPhilippines

IndustryBanks

SizeMedium

TypePublic Company

ExchangePSE

Founded1967

Employees11,358

Websitebdo.com.ph

ISINPHY077751022

Last UpdateApr 2, 2026

Index & Theme

BankingFinance

Description

BDO Unibank, Inc. (BDO Unibank) is a Philippine bank that provides a comprehensive range of financial products and services to individual, small and medium-sized enterprises, and large corporations. The company operates through various segments, enco…

Analysis

Hidden champion

BDO Unibank, Inc. fits the profile of a hidden champion, yet the market has not awarded it the premium its quality earns.

On valuation, the picture is attractive. The owner-earnings multiple stands at 7.1×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -8% a year, against analyst forecasts of 6%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is adequate. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250

2023202420252026

All-time high

Jan 2024

All-time low

Jan 2025

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

Price/Earnings

Price/Book

Dividend Yield

Value (overall)

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →