Stock BDO BDO UNIBANK, INC.
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Financials BDO Unibank, Inc.

Equities

BDO

PHY077751022

Banks

End-of-day quote Philippines S.E.
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
144 PHP -1.10% Intraday chart for BDO Unibank, Inc. -1.03% +10.34%
Apr. 24 BDO Unibank, Inc. and BDO Network Bank Announce Planning to Increase Branches CI
Apr. 23 Philippines' SM Investments, SM Prime to create maiden $3 bln notes programme RE

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 692,238 468,233 529,332 556,408 687,504 758,698 - -
Enterprise Value (EV) 1 692,238 468,233 529,332 556,408 687,504 758,698 758,698 758,698
P/E ratio 15.8 x 16.8 x 12.5 x 9.86 x 9.44 x 9.56 x 8.66 x 7.92 x
Yield 0.76% 1.12% 0.99% 1.14% 2.3% 2.6% 2.24% 2.39%
Capitalization / Revenue 3.83 x 2.48 x 2.75 x 2.52 x 2.54 x 2.6 x 2.42 x 2.21 x
EV / Revenue 3.83 x 2.48 x 2.75 x 2.52 x 2.54 x 2.6 x 2.42 x 2.21 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 1.88 x 1.21 x 1.25 x 1.21 x 1.33 x 1.32 x 1.19 x 1.06 x
Nbr of stocks (in thousands) 5,257,505 5,261,041 5,262,623 5,264,026 5,268,230 5,268,739 - -
Reference price 2 131.7 89.00 100.6 105.7 130.5 144.0 144.0 144.0
Announcement Date 4/1/20 2/25/21 2/27/22 3/1/23 2/26/24 - - -
1PHP in Million2PHP
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 180,512 188,910 192,700 220,767 270,404 291,533 313,928 343,403
EBITDA - - - - - - - -
EBIT 1 65,353 76,270 72,825 89,559 113,577 117,052 129,033 143,411
Operating Margin 36.2% 40.37% 37.79% 40.57% 42% 40.15% 41.1% 41.76%
Earnings before Tax (EBT) 1 59,187 46,030 55,762 73,193 97,181 102,381 113,149 124,392
Net income 1 43,855 28,200 42,791 57,054 73,411 79,703 86,827 95,178
Net margin 24.29% 14.93% 22.21% 25.84% 27.15% 27.34% 27.66% 27.72%
EPS 2 8.350 5.308 8.050 10.72 13.82 15.06 16.63 18.17
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 1.000 1.000 1.000 1.200 3.000 3.750 3.225 3.439
Announcement Date 4/1/20 2/25/21 2/27/22 3/1/23 2/26/24 - - -
1PHP in Million2PHP
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 50,689 50,592 56,647 57,557 55,971 62,310 65,347 67,624 75,123 69,861 70,082 72,174 73,109 75,415 76,653
EBITDA - - - - - - - - - - - - - - -
EBIT 1 21,677 18,744 23,955 - - - 27,548 28,118 33,021 26,870 30,512 30,817 28,853 28,822 -
Operating Margin 42.76% 37.05% 42.29% - - - 42.16% 41.58% 43.96% 38.46% 43.54% 42.7% 39.47% 38.22% -
Earnings before Tax (EBT) 1 15,054 15,000 15,960 20,053 22,180 21,696 23,925 24,256 27,304 23,504 26,547 27,836 25,195 27,238 28,750
Net income 1 10,352 11,738 12,205 16,057 17,056 16,499 18,696 18,704 19,512 18,498 20,126 21,105 19,098 20,651 21,800
Net margin 20.42% 23.2% 21.55% 27.9% 30.47% 26.48% 28.61% 27.66% 25.97% 26.48% 28.72% 29.24% 26.12% 27.38% 28.44%
EPS 2 1.950 2.167 2.292 3.017 3.400 3.060 3.520 3.520 3.670 3.430 3.805 3.972 3.726 3.920 4.138
Dividend per Share 2 0.2500 0.2500 0.2500 0.2500 - - - - 0.7500 - 0.7500 0.7500 0.7500 0.7500 0.7500
Announcement Date 2/27/22 4/22/22 8/1/22 10/28/22 3/1/23 4/18/23 7/31/23 10/25/23 2/26/24 4/19/24 - - - - -
1PHP in Million2PHP
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 12.8% 7.43% 10.5% 13% 15.2% 14.7% 14.5% 14.4%
ROA (Net income/ Total Assets) 1.4% 0.9% 1.2% 1.5% 1.7% 1.71% 1.67% 1.66%
Assets 1 3,132,500 3,133,333 3,565,917 3,803,600 4,318,294 4,674,663 5,203,901 5,725,838
Book Value Per Share 2 70.20 73.40 80.40 87.30 97.90 109.0 121.0 136.0
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 4/1/20 2/25/21 2/27/22 3/1/23 2/26/24 - - -
1PHP in Million2PHP
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for BDO Unibank, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
B+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
14
Last Close Price
144 PHP
Average target price
174.6 PHP
Spread / Average Target
+21.25%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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