BDO Unibank Inc (BDOUY) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of BDO Unibank Inc stock $24.12, price $19.80, upside +21.8%, quality 55 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
BDO Unibank Inc
BDOUY · USThe stock costs 18% less than our calculation considers fair.
Risks from the AI analysis
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $13.59 – $28.75 · fair‑value band $18.72 – $37.00 · the $19.80 price screens below the $24.12 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 6, 2026.
Every Wednesday you see whether BDO Unibank Inc ADR is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
BDO Unibank, Inc., together with its subsidiaries, provides various banking products and services to individuals and corporations in the Philippines and internationally.
Show moreShow less
The company operates through Commercial Banking, Investment Banking, Private Banking, Leasing and Financing, Insurance, and other segments.
It offers checking, savings and time deposit, and foreign currency accounts; and personal and business loans, such as home, auto, SME, project finance, term, and working capital.
The company also provides insurance products, including life and non-life insurance, and corporate insurance; debit, credit, and corporate cards; and securities underwriting, loan syndication, underwriting, placing of debt and equity securities, financial advisory, and securities brokerage services.
In addition, it engages in the leasing and sale of property; cash management; realty management; remittances; leasing products, such as finance and operating lease, receivable factoring, mortgage loans, amortized commercial loan, installment paper purchase, and floor stock financing; capital markets; international banking; and online, mobile, and phone banking services.
Further, the company provides trade settlements, export bills purchases, and letters of credit; and merchant and point-of-sale solutions, and institutional trust management services. BDO Unibank, Inc. was incorporated in 1967 and is headquartered in Makati City, the Philippines.
Stock analysis
BDO Unibank Inc (BDOUY) currently trades at $19.80, while our model-based Fair Value estimate is $24.12, implying the stock looks roughly 18% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $30.00 per share, and 3 of the 6 models we run sit above the $19.80 price.
Bear case: the Asset-Based group reads lowest at $12.51, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $18.72 (bear) to $37.00 (bull), the price of $19.80 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
BDO Unibank Inc ADR reported revenue of 369B PHP in FY2025 versus 188B PHP in FY2021, a compound +18.3%/yr. Reported net income was 87.6B PHP in FY2025, compounding +19.6%/yr from FY2021.
Key figures
Market cap $10.6B Large · P/E ratio 7.2 · P/S ratio 1.71 · EPS (TTM) $2.75 · Dividend yield 4.4% · Net margin 23.8% · Return on equity 13.8% · Return on assets (EBIT) 2.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (medium confidence).
What moves the price
The share trades about 17% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 22%, BDOUY screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
Watch BDOUY, get fair value alerts →
Earlier news
- BDO Unibank powers smarter, next-generation payments with Finastra
- BDO Unibank Inc's Dividend Analysis
Compare BDO Unibank Inc ADR with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on assets by industry
- Fair value gap by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs BDOUY |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs BDOUY |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs BDOUY |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs BDOUY |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs BDOUY |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs BDOUY |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs BDOUY |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs BDOUY |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs BDOUY |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs BDOUY |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is BDO Unibank Inc (BDOUY) overvalued or undervalued?
What is the fair value of BDOUY?
What is the quality score of BDOUY?
What is the price target for BDO Unibank Inc (BDOUY)?
What is the BDO Unibank Inc ADR stock forecast for 2026?
What is the revenue of BDO Unibank Inc (BDOUY)?
Does BDO Unibank Inc ADR pay a dividend?
How much is the dividend of BDO Unibank Inc (BDOUY) and when is the ex-dividend date?
What is the intrinsic value of BDO Unibank Inc (BDOUY)?
Is BDO Unibank Inc ADR stock overvalued or undervalued in 2026?
Is fair value the same as the market price of BDOUY?
How much is BDO Unibank Inc ADR worth?
What do the bullish and bearish scenarios say about BDOUY?
What is the P/E ratio of BDOUY?
How solid is the balance sheet of BDO Unibank Inc (BDOUY)?
How far is BDOUY from its 52-week high?
Which stocks are comparable to BDO Unibank Inc ADR?
Is BDO Unibank Inc ADR stock attractive at the current price?
How is the fair value of BDOUY calculated?
Is it still worth investing in stocks now?
What is the share price of BDO Unibank Inc (BDOUY)?
What should I pay attention to with BDO Unibank Inc ADR right now?
Where does the earnings growth of BDO Unibank Inc (BDOUY) come from?
Key figures of BDO Unibank Inc
How large is the market capitalisation of BDO Unibank Inc (BDOUY)?
What is the P/S ratio of BDO Unibank Inc (BDOUY)?
What are the earnings per share of BDO Unibank Inc (BDOUY)?
What is the dividend yield of BDO Unibank Inc (BDOUY)?
What is the net margin of BDO Unibank Inc (BDOUY)?
What is the return on equity of BDO Unibank Inc (BDOUY)?
What is the EBIT return on assets of BDO Unibank Inc (BDOUY)?
What is the operating margin of BDO Unibank Inc (BDOUY)?
How fast is revenue growing at BDO Unibank Inc (BDOUY)?
How fast are earnings growing at BDO Unibank Inc (BDOUY)?
How much free cash flow does BDO Unibank Inc (BDOUY) generate?
How much net debt does BDO Unibank Inc (BDOUY) carry?
Watch BDO Unibank Inc ADR in the live analysis
One click puts BDO Unibank Inc ADR on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.