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BDO Unibank Inc (BDOUF)
OTHER OTC:BDOUF
US Market

BDO Unibank (BDOUF) Ratios

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BDO Unibank Ratios

BDOUF's free cash flow for Q4 2025 was ₱0.68. For the 2025 fiscal year, BDOUF's free cash flow was decreased by ₱ and operating cash flow was ₱0.24. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
2.03 2.58 0.13 0.15 32.90
Quick Ratio
2.03 2.58 0.13 0.15 61.33
Cash Ratio
2.03 2.03 0.12 0.15 25.48
Solvency Ratio
0.02 0.02 0.02 0.02 0.02
Operating Cash Flow Ratio
0.78 0.58 -0.01 0.05 11.92
Short-Term Operating Cash Flow Coverage
0.78 0.58 0.00 0.00 0.00
Net Current Asset Value
₱ -4.45T₱ -4.36T₱ -3.79T₱ -3.40T₱ -2.92T
Leverage Ratios
Debt-to-Assets Ratio
0.07 0.07 0.05 0.04 0.05
Debt-to-Equity Ratio
0.62 0.62 0.46 0.34 0.43
Debt-to-Capital Ratio
0.38 0.38 0.31 0.25 0.30
Long-Term Debt-to-Capital Ratio
0.25 0.25 0.31 0.25 0.20
Financial Leverage Ratio
8.48 8.48 8.48 8.68 8.87
Debt Service Coverage Ratio
0.26 0.26 -0.25 1.45 2.93
Interest Coverage Ratio
1.21 1.21 1.37 1.64 3.20
Debt to Market Cap
0.60 0.53 0.33 2.61 1.93
Interest Debt Per Share
915.78 915.78 659.52 4.45K 4.23K
Net Debt to EBITDA
0.64 0.64 0.00 -3.18 -4.10
Profitability Margins
Gross Profit Margin
77.04%77.04%100.00%78.55%88.59%
EBIT Margin
21.96%21.96%-5.24%35.14%36.53%
EBITDA Margin
23.61%23.61%0.00%39.71%41.41%
Operating Profit Margin
30.14%30.14%50.49%35.14%36.53%
Pretax Profit Margin
29.32%29.32%44.63%35.14%36.53%
Net Profit Margin
23.75%23.75%35.31%26.54%28.48%
Continuous Operations Profit Margin
23.84%23.84%35.39%26.60%28.57%
Net Income Per EBT
81.01%81.01%79.10%75.54%77.95%
EBT Per EBIT
97.28%97.28%88.40%100.00%100.00%
Return on Assets (ROA)
1.61%1.61%1.68%1.64%1.40%
Return on Equity (ROE)
14.20%13.67%14.27%14.23%12.42%
Return on Capital Employed (ROCE)
2.11%2.11%11.38%11.19%1.81%
Return on Invested Capital (ROIC)
1.66%1.66%9.02%8.47%3.91%
Return on Tangible Assets
1.62%1.62%1.69%1.64%1.40%
Earnings Yield
13.69%12.14%10.47%109.44%93.41%
Efficiency Ratios
Receivables Turnover
0.00 0.00 5.45 8.54 6.85
Payables Turnover
0.00 0.00 0.00 2.18 1.08
Inventory Turnover
0.00 0.00 0.00 0.00 -0.04
Fixed Asset Turnover
5.91 5.91 4.29 5.75 4.31
Asset Turnover
0.07 0.07 0.05 0.06 0.05
Working Capital Turnover Ratio
4.26 -0.24 -0.07 -0.23 -0.24
Cash Conversion Cycle
0.00 0.00 66.98 -124.63 -9.90K
Days of Sales Outstanding
0.00 0.00 66.98 42.75 53.30
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 -9.61K
Days of Payables Outstanding
0.00 0.00 0.00 167.38 338.19
Operating Cycle
0.00 0.00 66.98 42.75 -9.56K
Cash Flow Ratios
Operating Cash Flow Per Share
244.92 182.06 -100.10 3.31K 4.80K
Free Cash Flow Per Share
221.08 157.85 -118.37 3.18K 4.72K
CapEx Per Share
23.84 24.21 18.28 129.89 73.86
Free Cash Flow to Operating Cash Flow
0.90 0.87 1.18 0.96 0.98
Dividend Paid and CapEx Coverage Ratio
3.62 2.64 -1.75 7.57 17.86
Capital Expenditure Coverage Ratio
10.27 7.52 -5.48 25.52 64.96
Operating Cash Flow Coverage Ratio
0.33 0.24 -0.20 1.00 1.27
Operating Cash Flow to Sales Ratio
0.35 0.26 -0.23 0.63 1.26
Free Cash Flow Yield
18.42%11.67%-7.97%250.09%407.09%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
7.31 8.23 9.55 0.91 1.07
Price-to-Sales (P/S) Ratio
1.74 1.96 3.37 0.24 0.30
Price-to-Book (P/B) Ratio
1.00 1.13 1.36 0.13 0.13
Price-to-Free Cash Flow (P/FCF) Ratio
5.43 8.57 -12.55 0.40 0.25
Price-to-Operating Cash Flow Ratio
4.90 7.43 -14.84 0.38 0.24
Price-to-Earnings Growth (PEG) Ratio
2.47 1.48 0.86 0.03 0.03
Price-to-Fair Value
1.00 1.13 1.36 0.13 0.13
Enterprise Value Multiple
7.99 8.92 0.00 -2.57 -3.36
Enterprise Value
695.91B 777.13B 584.33B -282.42B -279.12B
EV to EBITDA
7.99 8.92 0.00 -2.57 -3.36
EV to Sales
1.89 2.11 2.52 -1.02 -1.39
EV to Free Cash Flow
5.90 9.23 -9.36 -1.68 -1.12
EV to Operating Cash Flow
5.33 8.00 -11.07 -1.62 -1.11
Tangible Book Value Per Share
1.18K 1.18K 1.07K 9.60K 8.55K
Shareholders’ Equity Per Share
1.20K 1.20K 1.09K 9.79K 8.73K
Tax and Other Ratios
Effective Tax Rate
0.19 0.19 0.21 0.24 0.22
Revenue Per Share
691.46 691.46 440.74 5.25K 3.81K
Net Income Per Share
164.25 164.25 155.60 1.39K 1.08K
Tax Burden
0.81 0.81 0.79 0.76 0.78
Interest Burden
1.34 1.34 -8.52 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.10 0.10 0.00 0.00 0.00
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
1.34 1.09 -0.51 1.80 3.45
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