BDO Unibank Inc

BDO Unibank Inc has a total equity of PHP 544.92 billion and a debt-to-equity ratio of 0.39, indicating a relatively conservative capital structure. The company's liquidity position is assessed as medium, with a free cash flow of PHP 14.31 billion and an operating cash flow of PHP 50.12 billion. However, the company's net cash is negative after subtracting total debt, which could pose a liquidity risk.

In terms of profitability, BDO Unibank Inc reported a net income of PHP 20.94 billion and a return on equity of 3.84%. The return on assets is 0.44%, which is relatively low compared to industry benchmarks. The company's profitability metrics suggest that it is generating returns, but there is room for improvement in asset utilization.

BDO Unibank Inc's revenue is concentrated in the Philippines, with no significant international operations disclosed. The company's revenue is primarily derived from its banking operations, including interest income and fees from financial services. There is no detailed breakdown of revenue by business segment in the provided data, but the company's operations are centered around core banking services.

The company's growth trajectory is positive, with a revenue of PHP 50.61 billion in the latest reporting period. Analysts have provided a mean price target of PHP 179.10, with a median price target of PHP 177.50, indicating a generally positive outlook. The company's capital expenditure is negative, suggesting a focus on cost management rather than expansion.

The risk assessment for BDO Unibank Inc indicates a medium liquidity risk and a low dilution risk. The company's key risk flag is the negative net cash position after subtracting total debt, which could affect its ability to meet short-term obligations. The dilution risk is low, and there is no indication of near-term pressure from dilution sources.

Recent events and filings for BDO Unibank Inc include analyst estimates and price targets, with a mean recommendation of 1.64, indicating a generally positive sentiment among analysts. The company has a strong buy count of 4 and a buy count of 7, with no hold recommendations, suggesting a favorable outlook from the investment community.

Revenue grew 11.5% annually over four years, reaching PHP 203.1 billion in FY2026, demonstrating strong top-line expansion.

Net income surged 19.5% annually over four years to PHP 87.2 billion in FY2026, highlighting robust profitability growth.

Analysts project 52.4% upside to a mean price target of PHP 179.1, signaling strong market confidence.

Total assets expanded 10.6% annually over four years to PHP 5.43 trillion, reflecting significant balance sheet growth.

Return on equity of 3.8% trails the bank cohort median of 6.1%, suggesting inferior capital efficiency relative to peers.

Long-term debt increased to PHP 366.8 billion in FY2026, rising significantly from PHP 202.6 billion in FY2024.

The company faces medium liquidity risk, which could constrain operational flexibility or increase funding costs during stress.

Free cash flow growth stalled at 0.4% year-over-year in FY2026, indicating weakening cash generation momentum.

Return on assets of 0.44% remains low, indicating limited ability to generate profit from total asset base.

Revenue PHP 53.03B, +11,0% YoY; Net income +2,1% YoY.

• ▍Revenue PHP 53.03B, +11,0% YoY
• ▍Net income +2,1% YoY
• ▍Free cash flow +1,0% YoY
• ▍Net margin 37.9%

Revenue PHP 53.09B, +9,8% YoY; Net income +12,5% YoY.

• ▍Revenue PHP 53.09B, +9,8% YoY
• ▍Net income +12,5% YoY
• ▍Free cash flow +6,4% YoY
• ▍Net margin 45.4%

Revenue PHP 51.88B, +10,8% YoY; Net income +6,1% YoY.

• ▍Revenue PHP 51.88B, +10,8% YoY
• ▍Net income +6,1% YoY
• ▍Free cash flow −0,9% YoY
• ▍Net margin 43.3%

Revenue PHP 50.38B, −0,5% YoY; Net income −0,1% YoY.

• ▍Revenue PHP 50.38B, −0,5% YoY
• ▍Net income −0,1% YoY
• ▍Free cash flow +5,9% YoY
• ▍Net margin 41.5%

Revenue PHP 47.76B; Net margin 41.3%.

• ▍Revenue PHP 47.76B
• ▍Net margin 41.3%

Revenue PHP 48.33B; Net margin 44.3%.

• ▍Revenue PHP 48.33B
• ▍Net margin 44.3%

Revenue PHP 46.81B; Net margin 45.2%.

• ▍Revenue PHP 46.81B
• ▍Net margin 45.2%

Revenue PHP 50.61B; Net margin 41.4%.

• ▍Revenue PHP 50.61B
• ▍Net margin 41.4%

Revenue PHP 203.10B, +8,8% YoY; Net income +6,3% YoY.

• ▍Revenue PHP 203.10B, +8,8% YoY
• ▍Net income +6,3% YoY
• ▍Free cash flow +0,4% YoY
• ▍Net margin 42.9%

Revenue PHP 186.60B, +0,1% YoY; Net income +11,7% YoY.

• ▍Revenue PHP 186.60B, +0,1% YoY
• ▍Net income +11,7% YoY
• ▍Free cash flow −2,1% YoY
• ▍Net margin 44.0%

Revenue PHP 186.39B, +24,9% YoY; Net income +28,7% YoY.

• ▍Revenue PHP 186.39B, +24,9% YoY
• ▍Net income +28,7% YoY
• ▍Free cash flow +19,5% YoY
• ▍Net margin 39.4%

Revenue PHP 149.23B, +13,6% YoY; Net income +33,3% YoY.

• ▍Revenue PHP 149.23B, +13,6% YoY
• ▍Net income +33,3% YoY
• ▍Free cash flow +27,9% YoY
• ▍Net margin 38.2%