BDO Unibank, Inc.

$ 2.12 0.00 %

BDO Unibank, Inc., operating in conjunction with its subsidiaries, offers a wide array of banking and financial solutions, predominantly serving clients throughout the Philippines. The institution's core product offerings feature diverse deposit accounts, such as savings, checking, and fixed-term deposits. Its substantial lending portfolio addresses both individual requirements—like personal, automobile, and housing loans—and business needs, including financing for small and medium enterprises, project development, term-based funding, and working capital. Beyond conventional banking, BDO Unibank provides a comprehensive suite of insurance products, covering life, motor vehicles, homes, personal accidents, travel, and employee benefits. The bank also facilitates money transfers through its remittance services and supports commercial transactions with trade financing mechanisms, suchading settlements, trust receipts, export bill purchases, and letters of credit. Crucially, it delivers extensive trust and investment services, which include unit investment trust funds, expert portfolio management, escrow arrangements, security/collateral/bond trusteeship, facility/paying agency roles, and specialized investment advisory. Additionally, the company is involved in investment banking, offering services like the underwriting of equity and fixed-income securities, providing financial advisory, making direct equity investments, facilitating securitization, and distributing retail treasury bonds. Leasing and financing solutions are also available, encompassing direct leases, sale-and-leaseback transactions, and vehicle and equipment leasing. Clients benefit from comprehensive cash management services, treasury operations, and a full range of debit and credit card products. Modern banking convenience is ensured via mini POS terminals, online platforms, mobile applications, and phone banking services. By the close of December 2021, BDO Unibank maintained a significant physical presence, comprising 1,193 branches, two of which were located internationally. This network was further enhanced by 4,152 automated teller machines (ATMs), 624 cash accept machines, and 9 self-service teller machines. Established in 1967, BDO Unibank, Inc. is headquartered in Makati City, Philippines.

CEO: Nestor V. Tan - https://www.bdo.com.ph

Price objectif

-

Recommandation

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DCF

$ 1.18

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BDOUF vs S&P500

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Quick ratio

0.11

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

7.85

may indicate that the company is undervalued or has poor growth prospects.

EPS

0.27

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

13.98 %

reflects reasonable profitability, showing good use of equity.

ROIC

6.87 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

7.15

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.63

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

454.71

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

27.25 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
6 indicates moderate financial health
Altman score
0.21 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.11 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.07 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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