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BDO Unibank, Inc. (BDO) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

BDO Unibank, Inc.

BDOMarket cap $9.39BPrice $1.8

Country🇵🇭Philippines

SectorFinancials

IndustryBanks

Runs the Philippines' largest bank by assets, serving millions through branches, ATMs, and digital platforms nationwide. BDO's massive retail network makes it the go-to financial gateway for a country where cash still rules but digital banking is catching fire.

In Bastion Portfolios?

52W Return-25%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+13%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+12%–

Rev CAGR (5y)+9%7

Earnings Forecast

EPS Growth Y+1-8%3

EPS Growth Y+2+10%7

EPS Growth Y+3+14%7

Quality

Margins

EBIT Margin0%6

Net Income Margin31%9

Free Cash Flow Margin-167%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE14%6

ROA2%3

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)710

P/E Ratio (Forward 3y)510

P/BV0.910

EV Multiples

EV/EBITDA Fwd010

EV/EBIT Fwd010

Yield

Free Cash Flow Yield0.0%10

Dividend Yield4.0%8

Momentum

Short term

1 month return-7%3

3 month return-13%3

YTD return-16%3

Mid term

Price vs 52wHigh79%5

1 year return-18%3

Long term

3 year return-13%2

5 year return+31%5

Risk Shield

Price Risk

Beta0.39

Volatility35%5

Free Cash Flow

Free Cash Flow Margin-167%1

Free Cash Flow Yield0.0%10

Quality

ROCE9%3

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

BDOBDO Unibank

Revenue FY25$4.6B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+13%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+12%–

Revenue, next 5Y, CAGR+9%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-8%3

EPS growth, FY27E+10%7

EPS growth, FY28E+14%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 12%/yr over the next 3 years, ahead of most of the market.7/10

The runway holds up: revenue is set to grow 9%/yr over five years.7/10

WATCH

Revenue grew 13%/yr over the last 3 years and is set to keep growing around 12%/yr.

Earnings are set to grow in step with sales (EPS about 10%/yr vs revenue 12%/yr). One year dips: EPS falls 8% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

BDOBDO Unibank

Total return Current8.1%

Price return Current−5.8%

MOMENTUM RATING↗

WEAK19 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%3

3-month return-13%3

YTD return-16%3

MID & LONG-TERM▾SCORE

% of 52-week high79%5

1-year return-18%3

3-year return-13%2

5-year return+31%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's down 18% over the past year, now 21% below its 52-week high. That is a touch behind the market.

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-13% over three years and +31% over five), behind 60% of the market.

The stock is underperforming over the past month (-7%), over three months (-13%) and so far this year (-16%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the multi-year record is weak.

04Value

Are you paying a fair price for it?

Stop guessing on BDO Unibank, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

BDOBDO Unibank

Revenue FY25$4.6B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+13%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+12%–

Revenue, next 5Y, CAGR+9%7

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-8%3

EPS growth, FY27E+10%7

EPS growth, FY28E+14%7

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 12%/yr over the next 3 years, ahead of most of the market.7/10

The runway holds up: revenue is set to grow 9%/yr over five years.7/10

WATCH

Revenue grew 13%/yr over the last 3 years and is set to keep growing around 12%/yr.

Earnings are set to grow in step with sales (EPS about 10%/yr vs revenue 12%/yr). One year dips: EPS falls 8% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here. The one thing to watch: the earnings path has a down year.

03Price Momentum

Is the market behind it right now?

BDOBDO Unibank

Total return Current8.1%

Price return Current−5.8%

MOMENTUM RATING↗

WEAK19 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-7%3

3-month return-13%3

YTD return-16%3

MID & LONG-TERM▾SCORE

% of 52-week high79%5

1-year return-18%3

3-year return-13%2

5-year return+31%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

It's down 18% over the past year, now 21% below its 52-week high. That is a touch behind the market.

WEAKNESSES

Weak long-term results. It has been a disappointing long-term hold (-13% over three years and +31% over five), behind 60% of the market.

The stock is underperforming over the past month (-7%), over three months (-13%) and so far this year (-16%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on BDO Unibank, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community