BDO Unibank Inc is a full-service universal bank in the Philippines. The company provides a variety of banking products and services, including corporate and consumer lending, deposit-taking, foreign exchange, brokering, trust and investments, credit cards, corporate cash management, and remittances. It also offers leasing and financing, investment banking, private banking, rural banking, bancassurance, and insurance and stock brokerage services through its various local subsidiaries. It has a large distribution network of operating branches and ATMs. Most of its earning assets are loans and other receivables.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	2.64
Equity-to-Asset	0.12
Debt-to-Equity	0.38
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	7/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.8	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

10/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	10.8
	3-Year EPS without NRI Growth Rate	36.8
	3-Year FCF Growth Rate	11.9
	3-Year Book Growth Rate	9.7
	Future 3-5Y EPS without NRI Growth Rate	9.3
	Future 3-5Y Total Revenue Growth Rate	12.64

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	64.44
	9-Day RSI	54.66
	14-Day RSI	51.34
	6-1 Month Momentum %	20.23
	12-1 Month Momentum %	7.29

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	2.08
	Dividend Payout Ratio	0.21
	3-Year Dividend Growth Rate	44.2
	Forward Dividend Yield %	2.08
	5-Year Yield-on-Cost %	4.66
	Shareholder Yield %	2.96

Profitability Rank

6/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	29.75
	FCF Margin %	43.11
	ROE %	15.04
	ROA %	1.75
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	10.59
	Forward PE Ratio	9.73
	PE Ratio without NRI	10.51
	Shiller PE Ratio	16.55
	Price-to-Owner-Earnings	7.18
	PEG Ratio	1.17
	PS Ratio	3.15
	PB Ratio	1.51
	Price-to-Tangible-Book	1.51
	Price-to-Free-Cash-Flow	7.3
	Price-to-Operating-Cash-Flow	6.81
	EV-to-Revenue	1.74
	EV-to-Forward-Revenue	2.7
	EV-to-FCF	4.04
	Price-to-Projected-FCF	0.42
	Price-to-DCF (Earnings Based)	0.69
	Price-to-DCF (FCF Based)	0.4
	Price-to-Median-PS-Value	0.74
	Price-to-Peter-Lynch-Fair-Value	1.21
	Price-to-Graham-Number	0.84
	FCF Yield %	14.4
	Forward Rate of Return (Yacktman) %	23.45

GF Value: ₱152.69

PHS:BDO

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