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Last update at 2026-06-23T15:16:00Z
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Top Philippine Lender Bullish But Says Rate Cuts Are ‘Headwinds’
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Thu 26 Sep 24, 12:51 PM| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 108135.49M | 103691.00M | 97181.00M | 73193.00M | 55762.00M |
| Minority interest | -305.00000M | -201.00000M | -119.00000M | -180.00000M | -64.00000M |
| Net income | 87601.27M | 82019.00M | 73411.00M | 57054.00M | 42791.00M |
| Selling general administrative | 38613.89M | 4372.00M | 84200.00M | 2016.00M | 9214.00M |
| Selling and marketing expenses | 3325.00M | 4372.00M | 3245.00M | 2016.00M | 2586.00M |
| Gross profit | 284100.71M | 232312.00M | 217254.00M | 197714.00M | 174285.00M |
| Reconciled depreciation | 12921.00M | 12171.00M | 10215.00M | 9920.00M | 9198.00M |
| Ebit | 80973.49M | - | 97181.00M | 92852.00M | 55698.00M |
| Ebitda | 87075.49M | - | 109837.00M | 102772.00M | 64896.00M |
| Depreciation and amortization | 6102.00M | 12171.00M | 12656.00M | 9920.00M | 9198.00M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 111164.49M | 117297.00M | 97181.00M | 92852.00M | 55698.00M |
| Other operating expenses | 257622.96M | 115015.00M | 179390.00M | 107784.00M | 101962.00M |
| Interest expense | 92018.54M | 85443.00M | 59317.00M | 19839.00M | 13533.00M |
| Tax provision | 20122.00M | 21471.00M | 20983.00M | 15959.00M | 12907.00M |
| Interest income | 294665.00M | 272039.00M | 224551.00M | 169071.00M | 144879.00M |
| Net interest income | 203101.00M | 186596.00M | 178573.00M | 149232.00M | 131346.00M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 20221.36M | 21471.00M | 23621.00M | 15959.00M | 12907.00M |
| Total revenue | 368787.44M | 232312.00M | 276571.00M | 197714.00M | 174285.00M |
| Total operating expenses | 172936.22M | 115015.00M | 120073.00M | 107784.00M | 101962.00M |
| Cost of revenue | 84686.74M | 85443.00M | 59317.00M | - | - |
| Total other income expense net | -3029.00000M | -13606.00000M | -69461.00000M | -19659.00000M | 64.00M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 87479.00M | 82220.00M | 71074.00M | 57234.00M | 42855.00M |
| Net income applicable to common shares | - | - | - | 56715.00M | 42451.00M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 5431130.34M | 4876050.00M | 4477661.00M | 4074708.00M | 3623749.00M |
| Intangible assets | 8123.92M | 7900.00M | 9733.00M | 7043.00M | 7203.00M |
| Earning assets | - | - | - | - | - |
| Other current assets | - | 938.00M | 1019.00M | 395800.00M | 352751.00M |
| Total liab | 4787307.33M | 4298655.00M | 3959107.00M | 3613251.00M | 3199201.00M |
| Total stockholder equity | 640752.55M | 574671.00M | 515916.00M | 459332.00M | 422934.00M |
| Deferred long term liab | - | - | - | 6544.00M | 7852.00M |
| Other current liab | - | 3805545.00M | -30045.00000M | -21182.00000M | -13765.00000M |
| Common stock | 53313.25M | 53265.00M | 52684.00M | 52641.00M | 43855.00M |
| Capital stock | 59520.00M | 59548.00M | 49005.00M | 58821.00M | 49005.00M |
| Retained earnings | 344337.26M | 291624.00M | 233369.00M | 178537.00M | 249743.00M |
| Other liab | - | - | - | 84163.00M | 85318.00M |
| Good will | 4532.73M | 4535.00M | 4535.00M | 4535.00M | 4535.00M |
| Other assets | - | 4422948.00M | -974947.00000M | 2591242.00M | 2370729.00M |
| Cash | 340610.12M | 460940.00M | 524585.00M | 539759.00M | 450339.00M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 167482.98M | 3844905.00M | 2740700.00M | 21182.00M | 13765.00M |
| Current deferred revenue | - | - | 36181.00M | - | - |
| Net debt | 55795.01M | -198749.00000M | -524585.00000M | -340203.00000M | -234714.00000M |
| Short term debt | 167482.98M | - | 132563.00M | - | - |
| Short long term debt | - | - | - | - | - |
| Short long term debt total | 396405.13M | 262191.00M | 233529.00M | 199556.00M | 215625.00M |
| Other stockholder equity | 238103.55M | 223602.00M | 231481.00M | 221974.00M | 124186.00M |
| Property plant equipment | - | - | - | 45106.00M | 43336.00M |
| Total current assets | 431511.52M | 504512.00M | 326599.00M | 696933.00M | 574867.00M |
| Long term investments | 1119564.00M | 1002730.00M | 935764.00M | 728484.00M | 621608.00M |
| Net tangible assets | - | - | - | 440209.00M | 404575.00M |
| Short term investments | 90901.40M | 7838.00M | -232942.00000M | - | - |
| Net receivables | - | 42634.00M | 33937.00M | 157174.00M | 124528.00M |
| Long term debt | - | - | - | - | - |
| Inventory | - | - | -325580.00000M | 3462.00M | 1954.00M |
| Accounts payable | 43694.00M | 35329.00M | 26743.00M | 21182.00M | 13765.00M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -1178.40900M | -35775.00000M | -6768.00000M | - | - |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | - |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | 218758.26M | 1073129.00M | 4125077.00M | -786533.00000M | -678153.00000M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 4999618.82M | 4371538.00M | 5126009.00M | 786533.00M | 678153.00M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -102459.00000M | -38737.00000M | -213874.00000M | -108624.00000M | -87206.00000M |
| Change to liabilities | - | - | - | 0.00000M | 0.00000M |
| Total cashflows from investing activities | -595454.78500M | -38737.00000M | -208723.00000M | -108624.00000M | -90901.00000M |
| Net borrowings | 86908.00M | 65973.00M | -10699.00000M | -18375.00000M | -15284.00000M |
| Total cash from financing activities | 465642.79M | 41782.00M | -30727.00000M | -28486.00000M | -20754.00000M |
| Change to operating activities | - | - | - | -219251.00000M | -134729.00000M |
| Net income | 89136.47M | 103691.00M | 97181.00M | 73193.00M | 55762.00M |
| Change in cash | -31990.00000M | -49716.00000M | -64847.00000M | 115440.00M | 16531.00M |
| Begin period cash flow | 548755.00M | 598471.00M | 663318.00M | 547878.00M | 531347.00M |
| End period cash flow | 516765.00M | 548755.00M | 598471.00M | 663318.00M | 547878.00M |
| Total cash from operating activities | 97101.84M | -52761.00000M | 174603.00M | 252550.00M | 128186.00M |
| Issuance of capital stock | 880.00M | 521.00M | 533.00M | 144.00M | 133.00M |
| Depreciation | 12921.00M | 12171.00M | 12656.00M | 9920.00M | 9198.00M |
| Other cashflows from investing activities | -484493.82100M | 139.00M | 111.00M | - | - |
| Dividends paid | 23799.99M | 20545.00M | 16207.00M | -10255.00000M | -5603.00000M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | - | - | - | - | - |
| Sale purchase of stock | - | - | - | - | - |
| Other cashflows from financing activities | 399678.49M | -4167.00000M | -4370.00000M | 136049.00M | 124621.00M |
| Change to netincome | - | - | - | 4072.00M | 10374.00M |
| Capital expenditures | 12914.33M | 9634.00M | 6843.00M | 3888.00M | 3853.00M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -24332.71900M | -155116.00000M | 67558.00M | 181504.00M | 65823.00M |
| Stock based compensation | 1222.00M | 968.00M | 903.00M | - | - |
| Other non cash items | 32298.09M | -13507.00000M | -2792.00000M | -12067.00000M | -2597.00000M |
| Free cash flow | 84187.51M | -62395.00000M | 167760.00M | 248662.00M | 124333.00M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BDOUY BDO Unibank Inc ADR |
0.89 4.16% | 22.30 | 7.41 | 6.82 | 0.04 | 1.00 | 3.86 |
| HDB HDFC Bank Limited ADR |
-0.145 0.58% | 24.95 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
0.04 0.13% | 29.83 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
0.46 0.90% | 51.81 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
BDO Unibank, Inc., together with its subsidiaries, provides various banking products and services to individuals and corporations in the Philippines and internationally. The company operates through Commercial Banking, Investment Banking, Private Banking, Leasing and Financing, Insurance, and other segments. It offers checking, savings and time deposit, and foreign currency accounts; and personal and business loans, such as home, auto, SME, project finance, term, and working capital. The company also provides insurance products, including life and non-life insurance, and corporate insurance; debit, credit, and corporate cards; and securities underwriting, loan syndication, underwriting, placing of debt and equity securities, financial advisory, and securities brokerage services. In addition, it engages in the leasing and sale of property; cash management; realty management; remittances; leasing products, such as finance and operating lease, receivable factoring, mortgage loans, amortized commercial loan, installment paper purchase, and floor stock financing; capital markets; international banking; and online, mobile, and phone banking services. Further, the company provides trade settlements, export bills purchases, and letters of credit; and merchant and point-of-sale solutions, and institutional trust management services. BDO Unibank, Inc. was incorporated in 1967 and is headquartered in Makati City, the Philippines.
BDO Corporate Center, Makati City, Philippines, 0726
| Name | Title | Year Born |
|---|---|---|
| Mr. Nestor V. Tan | Pres, CEO & Exec. Director | 1958 |
| Ms. Josefina N. Tan | Non-Exec. Director | 1946 |
| Attorney Elmer B. Serrano | Corp. Information Officer | 1968 |
| Mr. Luis Santos Reyes Jr. | Exec. VP and Head of Investor Relations & Corp. Planning | 1958 |
| Attorney Federico Primavera Tancongco | Sr. VP, Chief Compliance Officer & Head of Compliance and Legal Department | 1962 |
| Ms. Evelyn Chua Salagubang | Group Head for HR (HR) & Sr. VP | 1964 |
| Mr. Jaime Co Yu | Sr. EVP & Head of Branch Banking Group | 1958 |
| Ms. Evelyn Llarena Villanueva | Exec. VP, Chief Risk Officer & Head of Risk Management Group | 1959 |
| Mr. Rolando Cordero Tanchanco | Sr. Exec. VP for Consumer Banking Group | 1962 |
| Mr. Ramon Tremucha Militar | Sr. VP | 1959 |
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