RevenueNet IncomeP/EP/SEBITDividendStocksMarket capitalizationDebtLiabilitiesEquityAAQSEmployeesROEROAROCE
Union Bank of the Philippines Stock

Union Bank of the Philippines Net Income 2025

Union Bank of the Philippines Net Income

15.3 B PHP

Ticker

UBP.PM

ISIN

PHY9091H1069

WKN

901925

In 2025, Union Bank of the Philippines's profit amounted to 15.3 B PHP, a 28.27% increase from the 11.93 B PHP profit recorded in the previous year.

The Union Bank of the Philippines Net Income history

YEARNET INCOME (undefined PHP)
2027e18.57
2026e17.04
2025e15.3
202411.93
20239.07
202212.6
202112.53
202011.55
201914.03
20186.88
20177.9
201610.06
20156.01
20148.4
20139.03
20127.61
20116.6
20105.35
20094.33
20082.07
20072.98
20062.51
20052.76

Union Bank of the Philippines Revenue, EBIT, Net Income

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Revenue
Net Income
Details

Revenue, EBIT and Profit

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Understanding Revenue, EBIT, and Income

Gain insights into Union Bank of the Philippines, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Union Bank of the Philippines from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Union Bank of the Philippines’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Union Bank of the Philippines. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Union Bank of the Philippines’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Union Bank of the Philippines’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Union Bank of the Philippines’s growth potential.

Union Bank of the Philippines Revenue, EBIT and net profit per share

DateUnion Bank of the Philippines RevenueUnion Bank of the Philippines Net Income
2027e106.72 B PHP18.57 B PHP
2026e96.21 B PHP17.04 B PHP
2025e86.3 B PHP15.3 B PHP
2024105.26 B PHP11.93 B PHP
202397.36 B PHP9.07 B PHP
20220 PHP12.6 B PHP
202151.63 B PHP12.53 B PHP
202051.95 B PHP11.55 B PHP
201952.7 B PHP14.03 B PHP
201837.1 B PHP6.88 B PHP
201732.06 B PHP7.9 B PHP
201630.95 B PHP10.06 B PHP
201524.43 B PHP6.01 B PHP
201424.68 B PHP8.4 B PHP
201325.93 B PHP9.03 B PHP
201221.7 B PHP7.61 B PHP
201121.31 B PHP6.6 B PHP
201017.95 B PHP5.35 B PHP
200917.77 B PHP4.33 B PHP
200813.41 B PHP2.07 B PHP
200713.58 B PHP2.98 B PHP
200611.78 B PHP2.51 B PHP
20059.11 B PHP2.76 B PHP

Union Bank of the Philippines stock margins

The Union Bank of the Philippines margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Union Bank of the Philippines. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Union Bank of the Philippines.

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Profit margin
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Margin

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Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Union Bank of the Philippines's sales revenue. A higher gross margin percentage indicates that the Union Bank of the Philippines retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Union Bank of the Philippines's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Union Bank of the Philippines's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Union Bank of the Philippines's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Union Bank of the Philippines. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Union Bank of the Philippines's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Union Bank of the Philippines Margin History

DateUnion Bank of the Philippines Profit margin
2027e17.4 %
2026e17.71 %
2025e17.73 %
202411.33 %
20239.32 %
20220 %
202124.26 %
202022.24 %
201926.61 %
201818.53 %
201724.65 %
201632.5 %
201524.59 %
201434.04 %
201334.81 %
201235.06 %
201130.95 %
201029.83 %
200924.34 %
200815.43 %
200721.94 %
200621.33 %
200530.24 %

Union Bank of the Philippines Aktienanalyse

What does Union Bank of the Philippines do?

The Union Bank of the Philippines, also known as UBP, is one of the largest banks in the Philippines. It was established in Manila in August 1968 and is headquartered in Pasig City, Metro Manila. The bank is a subsidiary of Aboitiz Equity Ventures Inc., a diversified conglomerate in the Philippines engaged in various industries including energy, real estate, food, and infrastructure. The history of the Union Bank of the Philippines dates back to 1864 when the Banco Español-Filipino de Isabel II was founded. It later became the Bank of the Philippine Islands (BPI), which is still one of the largest banks in the Philippines today. However, UBP was only established in 1968 when the two banks, City Savings Bank and Union Bank of the Philippines, merged. After the merger, UBP adopted a business model that differentiated itself from traditional large banks in the Philippines. UBP focused on retail banking from the beginning and offered customers a variety of products and services, ranging from loans and mortgages to insurance and investment funds. Over the years, the Union Bank of the Philippines has evolved its business model and operates in various segments. In addition to retail banking, the bank is also involved in wholesale banking, investment banking, asset management, and treasury operations. The bank also operates an extensive network of branches and ATMs in the Philippines and is now active in online banking as well. The products and services offered by the Union Bank of the Philippines include a variety of accounts, such as savings accounts, checking accounts, and fixed deposit accounts. The bank also offers various credit cards, from standard to premium cards with additional benefits and perks. Furthermore, the bank provides a range of loans, including auto and housing loans, as well as loans for small and medium-sized enterprises. Another focus of the Union Bank of the Philippines is investment banking. The bank provides advisory services to clients on mergers and acquisitions, offers assistance in capital raising, and aids in debt structuring. The bank is also involved in stock and bond issuances, as well as asset management. One of the Union Bank of the Philippines' latest initiatives is its partnership with a company specialized in blockchain technology. Together, they are developing a platform called i2i (Innovations for Inclusive Insurance) to make insurance products more accessible for people in remote and disadvantaged areas in the Philippines. The platform utilizes blockchain technology to facilitate more secure and faster transactions. Over the past decades, the Union Bank of the Philippines has become one of the most significant banks in the Philippines. The bank specializes in retail banking and offers a wide range of products and services to its customers. In addition, the bank is involved in wholesale banking, investment banking, asset management, and treasury operations. In recent years, the bank has also launched initiatives to make financial services more accessible for people in remote and disadvantaged areas, demonstrating its commitment not only to the already tapped market segment but also to playing a larger role in promoting financial inclusion. Union Bank of the Philippines ist eines der beliebtesten Unternehmen auf Eulerpool.com.

Net Income Details

Understanding Union Bank of the Philippines's Profit Margins

The profit margins of Union Bank of the Philippines represent the net income earned after deducting all operational expenses, costs, and taxes from the revenue. This figure is a clear indicator of Union Bank of the Philippines's financial health, operational efficiency, and profitability. Higher profit margins signify better cost management and income generation capabilities.

Year-to-Year Comparison

Evaluating Union Bank of the Philippines's profit on a yearly basis can offer significant insights into its financial growth, stability, and trends. A consistent increase in profit suggests improved operational efficiency, cost management, or increased revenue, while a decrease may indicate rising costs, declining sales, or operational challenges.

Impact on Investments

Union Bank of the Philippines's profit figures are critical for investors who are aiming to understand the company's financial standing and future growth prospects. Increased profits often lead to higher stock valuations, boosting investor confidence and attracting more investments.

Interpreting Profit Fluctuations

When Union Bank of the Philippines’s profit increases, it often indicates enhanced operational efficiency or increased sales. In contrast, a decline in profit can signal operational inefficiencies, increased costs, or competitive pressures, necessitating strategic interventions to boost profitability.

Frequently Asked Questions about Union Bank of the Philippines stock

How much profit has Union Bank of the Philippines made this year?

Union Bank of the Philippines has made 15.3 B PHP this year.

How has the profit developed compared to last year?

The profit has increased by 28.27% compared to last year increased

What impact do the earnings have on the shareholders?

An increase in earnings is usually seen as a positive indicator for shareholders as it means that the company is generating profits.

How does Union Bank of the Philippines publish its earnings?

Union Bank of the Philippines publishes its earnings in the form of quarterly or annual reports.

Which financial indicators are included in the quarterly or annual reports?

The quarterly or annual reports contain information about sales and profit, cash flow, balance sheet, and other fundamentals.

Why is it important for investors to know the earnings of Union Bank of the Philippines?

The profits of Union Bank of the Philippines are an important indicator of the financial health of the company and can help investors decide whether they want to invest in the company or not.

How can one learn more about the earnings of Union Bank of the Philippines?

You can learn more about the earnings of Union Bank of the Philippines by reviewing the quarterly or annual reports or following the company presentations.

How much dividend does Union Bank of the Philippines pay?

Over the past 12 months, Union Bank of the Philippines paid a dividend of 0.8 PHP . This corresponds to a dividend yield of about 2.49 %. For the coming 12 months, Union Bank of the Philippines is expected to pay a dividend of 0.84 PHP.

What is the dividend yield of Union Bank of the Philippines?

The current dividend yield of Union Bank of the Philippines is 2.49 %.

When does Union Bank of the Philippines pay dividends?

Union Bank of the Philippines pays a quarterly dividend. This is distributed in the months of March, March, March, March.

How secure is the dividend of Union Bank of the Philippines?

Union Bank of the Philippines paid dividends every year for the past 21 years.

What is the dividend of Union Bank of the Philippines?

For the upcoming 12 months, dividends amounting to 0.84 PHP are expected. This corresponds to a dividend yield of 2.61 %.

In which sector is Union Bank of the Philippines located?

Union Bank of the Philippines is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Union Bank of the Philippines kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Union Bank of the Philippines from 2/24/2025 amounting to 1 PHP, you needed to have the stock in your portfolio before the ex-date on 2/14/2025.

When did Union Bank of the Philippines pay the last dividend?

The last dividend was paid out on 2/24/2025.

What was the dividend of Union Bank of the Philippines in the year 2024?

In the year 2024, Union Bank of the Philippines distributed 2 PHP as dividends.

In which currency does Union Bank of the Philippines pay out the dividend?

The dividends of Union Bank of the Philippines are distributed in PHP.

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Andere Kennzahlen von Union Bank of the Philippines

Our stock analysis for Union Bank of the Philippines Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Union Bank of the Philippines Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.