BDO Unibank, Inc.
BDO Unibank, Inc. Fundamental Analysis
BDO Unibank, Inc. (BDOUF) shows moderate financial fundamentals with a PE ratio of 81.95, profit margin of 22.00%, and ROE of 13.98%. The company generates $391.6B in annual revenue with weak year-over-year growth of -8.59%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 41.3/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BDOUF's fundamental strength across five key dimensions:
Efficiency Score
WeakBDOUF struggles to generate sufficient returns from assets.
Valuation Score
ModerateBDOUF shows balanced valuation metrics.
Growth Score
ModerateBDOUF shows steady but slowing expansion.
Financial Health Score
ModerateBDOUF shows balanced financial health with some risks.
Profitability Score
ModerateBDOUF maintains healthy but balanced margins.
Key Financial Metrics
Is BDOUF Expensive or Cheap?
P/E Ratio
BDOUF trades at 81.95 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, BDOUF's PEG of 0.28 indicates potential undervaluation.
Price to Book
The market values BDO Unibank, Inc. at 11.22 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 61.72 times EBITDA. This signals the market has high growth expectations.
How Well Does BDOUF Make Money?
Net Profit Margin
For every $100 in sales, BDO Unibank, Inc. keeps $22.00 as profit after all expenses.
Operating Margin
Core operations generate 27.32 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.98 in profit for every $100 of shareholder equity.
ROA
BDO Unibank, Inc. generates $1.54 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
BDO Unibank, Inc. generates strong operating cash flow of $249.79B, reflecting robust business health.
Free Cash Flow
BDO Unibank, Inc. generates strong free cash flow of $237.38B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $4.45 in free cash annually.
FCF Yield
BDOUF converts 3.44% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
81.95
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.28
vs 25 benchmark
P/B Ratio
Price to book value ratio
11.22
vs 25 benchmark
P/S Ratio
Price to sales ratio
17.65
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.63
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.11
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How BDOUF Stacks Against Its Sector Peers
| Metric | BDOUF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 81.95 | 18.85 | Worse (Expensive) |
| ROE | 13.98% | 820.00% | Weak |
| Net Margin | 22.00% | 1999.00% | Weak |
| Debt/Equity | 0.63 | 1.01 | Strong (Low Leverage) |
| Current Ratio | 0.11 | 673.75 | Weak Liquidity |
| ROA | 1.54% | -23583.00% (disorted) | Weak |
BDOUF outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews BDO Unibank, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
44.22%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
84.98%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
17.54%
Industry Style: Value, Dividend, Cyclical
High Growth