Union Bank Of The Philippines (PHS:UBP) Debt-to-Equity : 0.31 (As of Dec. 2023)

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What is Union Bank Of The Philippines Debt-to-Equity?

Union Bank Of The Philippines's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was ₱0 Mil. Union Bank Of The Philippines's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was ₱54,477 Mil. Union Bank Of The Philippines's Total Stockholders Equity for the quarter that ended in Dec. 2023 was ₱174,991 Mil. Union Bank Of The Philippines's debt to equity for the quarter that ended in Dec. 2023 was 0.31.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Union Bank Of The Philippines's Debt-to-Equity or its related term are showing as below:

PHS:UBP' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.11 Med: 0.42 Max: 0.64
Current: 0.31

During the past 13 years, the highest Debt-to-Equity Ratio of Union Bank Of The Philippines was 0.64. The lowest was 0.11. And the median was 0.42.

PHS:UBP's Debt-to-Equity is ranked better than
72.22% of 1393 companies
in the Banks industry
Industry Median: 0.68 vs PHS:UBP: 0.31

Union Bank Of The Philippines Debt-to-Equity Historical Data

The historical data trend for Union Bank Of The Philippines's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Union Bank Of The Philippines Debt-to-Equity Chart

Union Bank Of The Philippines Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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0.57

0.60

0.64

0.38

0.31

Union Bank Of The Philippines Quarterly Data
	Mar19	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23
Debt-to-Equity	Get a 7-Day Free Trial															0.38	0.31	0.30	0.31	0.31

Competitive Comparison of Union Bank Of The Philippines's Debt-to-Equity

For the Banks - Regional subindustry, Union Bank Of The Philippines's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Union Bank Of The Philippines's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Union Bank Of The Philippines's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Union Bank Of The Philippines's Debt-to-Equity falls into.

Union Bank Of The Philippines Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Union Bank Of The Philippines's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	54476.952)	/	174991.166
	=	0.31

Union Bank Of The Philippines's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	54476.952)	/	174991.166
	=	0.31

Union Bank Of The Philippines (PHS:UBP) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Union Bank Of The Philippines Debt-to-Equity Related Terms

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Union Bank Of The Philippines (PHS:UBP) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Union Bank Of The Philippines Inc (PHS:UBP) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

Meralco Avenue corner Onyx and Sapphire Streets, UnionBank Plaza, Ortigas Center, Pasig, PHL, 1605

Website

https://www.unionbankph.com

Union Bank Of The Philippines Inc is a company which provides commercial banking products and services. It offers loans and deposits, cash management, retail banking, foreign exchange, capital markets, corporate and consumer finance, investment management and trust banking. The group's main operating business segments are Consumer Banking, Corporate and Commercial Banking, Treasury and Headquarters. The majority share of groups revenue is generated from Consumer Banking business segment which principally handles individual customers' deposits and provides consumer type loans, such as automobiles and mortgage financing, credit card facilities and funds transfer facilities.