BDO Unibank stock | 2026 forecast, price target & growth

BDO Unibank

PSE:BDO

Php 117,70

Php-1,30 (-1,09%)

117,70 Php

Php-1,30 (-1,09%)

End-of-day quote: 04/23/2026

BDO Unibank Stock Value

The analyst rating for PSE:BDO is currently Buy.

Buy

BDO Unibank Company Info

EPS Growth 5Y

12,86%

Market Cap

Php627,92 B

Long-Term Debt

Php119,68 B

Quarterly earnings

04/27/2026

Dividend

Php4,35

Dividend Yield

3,70%

Founded

1967

Industry

Financials

Country

Philippines

Website

BDO Unibank

ISIN Number

PHY077751022

Website

http://www.bdo.com.ph

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Php177,50

50.81%

Last Update: 04/24/2026

Analysts: 13

Highest Price Target Php200,00

Average Price Target Php177,50

Lowest Price Target Php145,00

In the last five quarters, BDO Unibank’s Price Target has fallen from Php189,05 to Php188,16 - a -0,47% decrease. Five analysts predict that BDO Unibank’s share price will increase in the coming year, reaching Php177,50. This would represent an increase of 50,81%.

Top growth stocks in the financials sector (5Y.)

What does BDO Unibank do?

BDO Unibank, Inc. (BDO Unibank) is a Philippine bank that provides a comprehensive range of financial products and services to individual, small and medium-sized enterprises, and large corporations. The company operates through various segments, encompassing leasing, commercial banking, investment banking, private banking, insurance, and other services. BDO Unibank is known for its commitment to innovation, customer satisfaction, and corporate social responsibility, positioning itself as an inte...

Business Segments

BDO Unibank operates through multiple business segments that facilitate a diverse array of financial services tailored to meet the needs of its varied client base. The primary segments include:

Leasing and Financing

This segment provides comprehensive leasing products tailored for businesses, which aids in capital management and asset utilization. The services offered cater to both corporate clients and individuals, encompassing vehicle leasing, equipment leasing, and various financial solutions that help customers optimize their asset investments.

Commercial Banking

This segment focuses on providing a plethora of banking solutions for small to large enterprises. Offerings include savings and checking accounts, term deposits, corporate loans, trade financing, and treasury services. This segment is critical in fostering economic growth by supporting the financing needs of businesses across industries.

Investment Banking

This segment offers services such as capital market transactions, securities underwriting, and advisory services for mergers and acquisitions. This segment caters to high-value clients requiring tailored solutions to navigate complex financial landscapes.

Private Banking

This segment provides tailored wealth management and financial advisory services for high-net-worth individuals and families, ensuring optimal asset and investment management. Services include estate planning, investment advisory, and tax optimization strategies, helping clients to achieve their long-term financial objectives.

Insurance

This segment delivers life insurance products that include protection, education, retirement solutions, and estate planning for individual and corporate clients. This segment ensures clients have robust financial protection against unforeseen events, contributing to overall financial stability.

Others

This segment encompasses additional services, including remittance, holding, and realty management, which are essential in fostering a comprehensive range of financial solutions.

Business Strategy

The company’s business strategy centers on fostering sustainable growth and enhancing the customer experience through innovation and technological advancements. BDO Unibank leverages its extensive network and advanced digital banking capabilities to offer seamless financial solutions that cater to the evolving preferences of its clientele. By investing in state-of-the-art technology, BDO Unibank aims to streamline operations, enhance security, and improve customer interaction.

Sustainability remains a core principle of the company's strategy. BDO Unibank actively integrates environmental, social, and governance (ESG) criteria into its business, ensuring that its growth orientation aligns with responsible banking practices. By supporting sustainable finance initiatives, the company not only safeguards its interests but also contributes to broader societal goals.

Additionally, BDO Unibank places significant emphasis on risk management to navigate the complexities of the financial environment. This approach includes regular assessments and enhancements of the frameworks to mitigate potential risks associated with credit, market liquidity, and challenges.

Products and Services

BDO Unibank offers an extensive suite of products and services tailored to meet the diverse financial needs of its customers.

Deposit Accounts: The company provides various deposit accounts, including savings accounts, current accounts, and time deposits, allowing customers to manage their finances effectively while earning interest.

Loans and Financing: A wide range of loan products is available, including personal loans, home loans, auto loans, and business loans. The financing solutions are designed to cater to both individual and corporate clients, providing the necessary financial support for various needs.

Credit Cards: BDO Unibank offers an array of credit cards tailored to different lifestyles and financial capacities. These include cashback cards, travel rewards, and premium credit cards, enhancing the purchasing power and benefits for cardholders.

Investment Products: The company provides investment options such as mutual funds, bonds, and equities, enabling customers to build wealth and diversify their portfolios effectively.

Insurance Solutions: BDO Unibank's insurance offerings include life and non-life insurance products, catering to the protection needs of individual and corporate clients.

Wealth Management Services: Through its private banking segment, the company delivers tailored wealth management advisory and investment solutions, ensuring high-net-worth clients achieve their financial goals.

Online and Mobile Banking: BDO Unibank leverages technology to provide convenient online and mobile banking services that enhance customer interaction, enabling clients to perform transactions, manage accounts, and access services anytime, anywhere.

Geographical Markets Served

BDO Unibank primarily serves clients in the Philippines, with a vast network of branches and ATMs strategically located across the country. The company's geographic footprint is supported by its commitment to providing financial solutions that cater to the diverse economic landscape of the Philippines.

Seasonality

BDO Unibank's operations exhibit some level of seasonality, whereby specific financial product offerings may peak during certain times of the year. For instance, personal loans and consumer spending typically increase during holiday seasons, affecting banking operations and revenue streams. However, the company's diversified portfolio mitigates the impact of seasonality, as different segments may experience varying demand patterns throughout the year.

Customers

BDO Unibank serves a broad spectrum of customers, ranging from individual clients to large corporations and government entities. The bank's clientele includes retail customers utilizing personal banking services, small and medium enterprises seeking financing and banking solutions, as well as large corporations requiring investment banking services.

Sales and Marketing

The company employs a multi-faceted approach to sales and marketing, utilizing traditional and digital platforms to reach its diverse customer base. BDO Unibank engages in targeted marketing campaigns to promote its products and services, leveraging social media, online advertising, and events to create brand awareness and attract new clients. The extensive branch network further enhances the distribution of banking services, ensuring accessibility for customers across different regions.

Government Regulations

BDO Unibank operates under a rigorous framework of government regulations and compliance standards. The company adheres to laws mandated by banking authorities, including the Bangko Sentral ng Pilipinas, as well as international regulations pertaining to anti-money laundering and consumer protection.

History

BDO Unibank, Inc. was founded in 1967. The company was incorporated in 1967.

BDO Unibank Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Revenue distribution by sectors:** - **Lending and Loans:** approx. 60% - **Deposits and Payment Services:** approx. 25% - **Asset Management and Investment Banking:** approx. 15% **TOP 3 markets and their percentage shares:** - **Philippines:** approx. 85% - **USA:** approx. 8% - **Asia (excludi...

At which locations are the company’s products manufactured?

**Production:** BDO Unibank, Inc. is a bank and does not produce physical products. BDO Unibank, Inc. is the largest bank in the Philippines and offers a wide range of financial services including deposits, loans, asset management, and investment banking. As a financial institution, the concept of...

What strategy does BDO Unibank pursue for future growth?

**Strategy for Future Growth:** 1. **Digital Transformation:** BDO Unibank is heavily investing in the digitalization of its services to enhance customer experience and improve operational efficiency. This includes the development of mobile banking apps and digital payment platforms. 2. **Expansio...

Which raw materials are imported and from which countries?

**Imported Raw Materials/Materials:** No specific raw materials BDO Unibank, Inc. is a bank and not a manufacturing company, therefore it does not import physical raw materials or materials. Instead, the bank focuses on financial services such as lending, deposit management, and investment banking....

How strong is the company’s competitive advantage?

**Market share:** 16.3% (2024, estimate) **Return on equity (ROE):** 11.5% (2024) **Cost-Income Ratio:** 55% (2024) BDO Unibank, Inc. is one of the largest banks in the Philippines and has a significant market share of approximately 16.3%, indicating its strong market position. The company's c...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** Approximately 55% (2025, estimated) **Insider Buys/Sells:** No significant transactions in the last year (2025, estimated) The institutional investor share in BDO Unibank, Inc. is estimated to be around 55%, indicating a high level of confidence from institutional...

What percentage market share does BDO Unibank have?

**Market share of BDO Unibank:** 17% (estimated for 2025) **Top competitors and their market shares:** 1. **BDO Unibank, Inc.:** 17% 2. **Metropolitan Bank & Trust Company (Metrobank):** 15% 3. **Bank of the Philippine Islands (BPI):** 14% 4. **Land Bank of the Philippines:** 12% 5. **Philippin...

Is BDO Unibank stock currently a good investment?

**Revenue Growth:** 10% (2024) **Net Interest Income:** 15% Increase (2024) **Return on Equity (ROE):** 12% (2024) BDO Unibank, Inc. recorded a solid revenue growth of 10% in 2024, indicating strong demand for its banking services and a healthy economic environment in the Philippines. The net inter...

Does BDO Unibank pay a dividend – and how reliable is the payout?

**Dividend Yield:** 2.5% (estimated for 2025) **Dividend History:** Consistent payout in recent years BDO Unibank, Inc. has regularly distributed dividends in recent years, indicating a reliable dividend policy. The estimated dividend yield for 2025 is around 2.5%. This consistency in distribut...

New support ticket

Explore

BDO Unibank Stock Value

BDO Unibank Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does BDO Unibank do?

BDO Unibank Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

BDO Unibank Stock Value

BDO Unibank Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does BDO Unibank do?

BDO Unibank Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.