Should You Buy BDO (Banco de Oro) Stock in 2025?

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At HelloSafe, our expert has been tracking the performance of Banco de Oro Unibank for over three years. Every month, hundreds of thousands of users in the Philippines trust us to analyze market trends and identify the best investment opportunities. Our analyses are provided for informational purposes and do not constitute investment advice. In accordance with our ethical charter, we have never been, and will never be, compensated by Banco de Oro Unibank.

What is Banco de Oro Unibank?

How much is Banco de Oro Unibank stock?

The price of Banco de Oro Unibank stock is rising this week. As of today, the current price is ₱153.40 with a 24-hour change of -₱1.20 (-0.78%). Although weekly data is not available, the stock shows a strong annual trend. Market capitalization stands at ₱817.17 billion, with an average trading volume of 3.7 million shares over the past three months. The P/E Ratio is 9.86, dividend yield is 2.87%, and the stock’s beta is 0.51. Investors should note the stock’s moderate volatility and stable growth outlook in the Philippine banking sector.

Our Full Analysis of the Banco de Oro Unibank Stock

We have thoroughly reviewed Banco de Oro Unibank's latest financial results, as well as its performance over the past three years. By synthesizing key financial indicators, technical signals, sector benchmarks, and peer analysis through our proprietary algorithms, we deliver a nuanced, data-driven perspective. So, why might Banco de Oro Unibank stock once again become a strategic entry point into the Philippine financial sector in 2025?

Recent performance and market context

Banco de Oro Unibank (BDO) has demonstrated remarkable resilience and upside potential despite recent market uncertainties. As of July 2025, the stock is trading at ₱153.40, with a moderate intraday movement of -₱1.20 (-0.78%), reflecting a healthy consolidation phase after a sustained multi-year uptrend. Over the past year, BDO has delivered an impressive +5.52% return, showing consistent outperformance against both local and regional peers.

Recent developments have greatly favored the stock’s narrative—BDO posted a record net income of ₱19.7 billion in Q1 2025, surpassing analyst expectations and showcasing a strong 7% year-on-year growth. Market confidence has been reinforced by Fitch Ratings upgrading BDO’s viability score to ‘BBB-’, while CEO Nestor V. Tan continues to bring international recognition, as evidenced by his recent election as president of the International Monetary Conference (IMC) and reappointment as chairman of BancNet Inc. These achievements highlight the bank’s robust leadership and its pivotal role in the Philippine financial system.

On a macroeconomic level, the Philippine banking sector benefits from resilient domestic consumption, increased digital financial adoption, and favorable regulatory initiatives encouraging credit growth and financial inclusion. BDO's leadership as the country’s largest bank by assets, loans, and deposits is further underscored by the supportive sector backdrop, making it particularly well-positioned to capture continued economic expansion.

Technical analysis

Despite currently neutral-to-bearish technical signals, the underlying price structure offers several bullish cues that strategic investors may capitalize on. The stock's Relative Strength Index (RSI) stands at 45.58, indicating neither overbought nor oversold conditions—providing a solid base for accumulation strategies. The MACD at -0.1 signals a near-term consolidation, setting the stage for a potential swing upward as sentiment recovers.

Moving averages have temporarily turned negative—with the 20-, 50-, 100-, and 200-day lines all clustered between ₱153 and ₱157—but this tight range historically precedes volatility spikes and breakout opportunities. Strong support has been identified at ₱152.90, making current levels an appealing technical entry zone before a possible reversal. Resistance at ₱154.80 and a major barrier at the 52-week high of ₱169 offer clear upside milestones for trend-followers and position traders alike.

The market's “strong sell” indication across numerous moving averages should be interpreted as a reflection of short-term cyclical hesitancy rather than a structural decline. Historically, similar technical patterns on BDO have signaled capitulation and presaged sustained rallies, adding weight to the “contrarian buy” thesis for nimble investors.

Fundamental analysis

BDO’s fundamentals remain among the strongest in Southeast Asian banking. In Q1 2025 alone, revenue reached ₱68.04 billion, with net interest income of ₱47.76 billion—both registering strong year-on-year gains. Net income improved to ₱19.7 billion, up +7% versus Q1 2024, driven by robust loan growth, prudent risk management, and a best-in-class cost-to-income ratio.

The bank’s Price/Earnings ratio (P/E) of 9.86 stands out as particularly attractive considering its double-digit revenue growth, unrivaled market position, and forward consensus expectations. Dividend yield remains healthy at 2.87%—underscoring BDO’s balanced capital return strategy even as it invests in digital infrastructure and expands its wealth management capabilities.

BDO’s core structural strengths—industry-leading innovation, a dominant national footprint, and a powerful, trusted brand—continue to translate into substantial market share and customer loyalty. Its relentless focus on digitalization, operational efficiency, and risk-adjusted returns support ongoing profitability, even in less favorable cycles.

Volume and liquidity

Sustained liquidity is another key pillar in the BDO investment thesis. The stock maintains an impressive average daily trading volume of 3.7 million shares over the past three months, translating to a highly tradable float and tight bid-ask spreads. This dynamic both attracts institutional interest and provides retail investors with ample confidence when executing larger trades.

With 5.33 billion shares outstanding and a market capitalization above ₱817 billion, BDO’s valuation is robust yet not stretched. The strong institutional presence and disciplined float management contribute to the stock’s resilience and dynamism, supporting both price appreciation and defensive characteristics.

Catalysts and positive outlook

Looking ahead, several powerful catalysts reinforce BDO’s bullish case:

• Digital banking leadership: Continued investments in digital channels, AI-driven customer service, and fintech partnerships drive new customer acquisition and operating efficiency.
• Economic tailwinds: Resilience in Philippine GDP growth, coupled with progressive financial sector reforms, fosters an environment supportive of loan expansion and higher fee-based income.
• International recognition: The enhanced Fitch credit rating, global bank governance awards, and CEO Nestor Tan’s international appointments elevate BDO’s profile and competitive edge.
• Wealth management and ESG initiatives: Expansion of premium banking and ESG product lines responds to new market segments and aligns with global investor demand, opening additional growth avenues.
• Credit quality stability: Prudent lending standards, diversified revenue streams (retail, commercial, digital), and a proven track record provide downside protection even in volatile periods.

These factors are further bolstered by a consensus analyst target price of ₱191.33—indicating nearly 25% upside potential from current levels—while annualized revenue projections for 2026 approach ₱342 billion. Such signals reaffirm that the bank’s compelling structural growth story is far from mature.

Investment strategies

From a strategic standpoint, BDO appeals to a wide spectrum of investors:

• Short-term traders can monitor for technical reversals near the ₱152.90-₱154.80 support zone, leveraging oversold signals and anticipated positive newsflow.
• Medium-term investors benefit from accumulating during base-building periods, particularly when technical and fundamental catalysts align, as with upcoming digital banking product launches or earnings surprise potential.
• Long-term holders find exceptional value in BDO’s consistent earnings growth, rising dividends, and persistent market leadership—the cornerstone of wealth compounding amid volatility.

These entry points allow for effective risk management, especially as the stock approaches a low-volatility window within a historically bullish sector phase. Positioning ahead of major announcements or sector rotations often proves optimal for capturing future upside.

Is it the right time to buy Banco de Oro Unibank?

Banco de Oro Unibank presently combines proven management, robust financial metrics, and an outstanding strategic position within a strengthening domestic and regional banking sector. Despite momentarily bearish technical signals, the fundamentals and forward-looking growth catalysts overwhelmingly justify renewed interest. Investors stand to benefit from a combination of stable dividends, healthy upside potential, and a fortress balance sheet supported by prudent governance and an innovative culture.

Given the convergence of value, momentum, and macro tailwinds, Banco de Oro Unibank seems to represent an excellent opportunity for investors seeking both stability and long-term capital appreciation in the Philippine stock market. The bank’s balanced risk profile, consistent outperformance, and growing market share reinforce the notion that it may be entering a new bullish phase—an ideal scenario for those looking to build or expand exposure in a blue-chip financial leader.

Above all, Banco de Oro Unibank’s current positioning suggests that for discerning investors, the stock deserves a place on any shortlist as the Philippine banking sector continues to evolve. Careful assessment of individual risk tolerance remains essential, but the structural narrative at play suggests that BDO may yet prove to be one of the most rewarding investment stories of the coming years.

How to buy Banco de Oro Unibank stock in the Philippines?

Buying shares of Banco de Oro Unibank online is straightforward and secure when you go through a regulated broker in the Philippines. Investors have two main ways to access the stock: by purchasing shares directly (spot buying) or through contracts for difference (CFDs), which allow for leveraged trading on short-term price movements. Both methods are designed to give retail investors efficient access to top Philippine stocks. For more details on the top brokers for buying Banco de Oro Unibank shares, see our dedicated comparison further down the page.

Spot buying

Spot buying means purchasing Banco de Oro Unibank shares directly and holding them in your brokerage account, allowing you to benefit from real ownership, dividends, and long-term price appreciation. Fees typically include a fixed commission per trade—usually around ₱100 to ₱200, or approximately $2 to $5, depending on the broker.

BDO Stock Gain Scenario Example

Suppose Banco de Oro Unibank’s share price is ₱153.40 (about $2.60). With a $1,000 stake, you could buy around 384 shares, factoring in a brokerage fee of about $5.

✔️ Gain scenario: If the share price rises by 10%, your shares would now be worth $1,100. Result: +$100 gross gain, or +10% on your investment.

Trading via CFD

CFD trading allows you to speculate on Banco de Oro Unibank’s share price using leverage, without owning the actual shares. You do not receive dividends, but you can profit from both rising and falling prices. Typical costs include the spread (the gap between buy and sell price) and overnight financing fees for leveraged positions.

CFD Gain Scenario: Banco de Oro Unibank

If you open a CFD position on Banco de Oro Unibank with a $1,000 stake and 5x leverage, your market exposure is $5,000. ✔️ Gain scenario: If the stock rises 8%, your position benefits from 8% × 5 = 40%. Result: +$400 gain on an initial $1,000 (excluding fees).

Final advice

Before investing in Banco de Oro Unibank, always compare brokers’ fees, trading conditions, and account features to find the best fit for your needs. Your choice between spot buying and CFD trading will depend on whether you prefer long-term investment or short-term, leveraged opportunities. For more details, consult our side-by-side broker comparison lower on this page.

Our 7 tips for buying Banco de Oro Unibank stock

The latest news about Banco de Oro Unibank

Banco de Oro Unibank reported a 7% net profit increase and beat Q1 2025 analyst expectations. Net income reached ₱19.7 billion for the first quarter, surpassing forecasts and reflecting solid loan growth and resilient core banking operations. The positive divergence versus consensus has boosted confidence in BDO’s earnings quality and efficiency amid a competitive local banking environment.

Fitch Ratings upgraded BDO’s viability rating to ‘bbb-’ in March 2025, lifting its international credit profile. This improved rating confirms the strength of BDO’s capitalization, asset quality, and prudent risk management. It enhances BDO’s access to global capital, supports lower cost of funds, and may translate to more favorable perceptions among institutional investors and regulators, reinforcing its preeminent role in the Philippine banking sector.

Nestor V. Tan was elected president of the International Monetary Conference, marking a leadership milestone for the Philippines. As CEO of Banco de Oro Unibank, Tan’s election as the first Filipino president of the IMC (2025-2026) underlines both the company’s and the country’s growing influence in international financial circles. It symbolizes strong corporate governance and brings global visibility, which could foster more strategic alliances and positive sentiment locally.

Analyst consensus remains highly optimistic, with 12 Buy recommendations and a strong ₱191.33 target price. With a potential upside of over 24% from current levels, this overwhelming expert backing suggests sustained institutional confidence in BDO’s earnings trajectory, digital innovation, market positioning, and unmatched scale in the Philippines, especially as the country’s banking sector expands and digitizes.

BDO continues expanding its digital and wealth management services, solidifying its leadership in Philippine banking. Recent initiatives have advanced the bank’s digital transformation and diversified its fee-based businesses. BDO’s unmatched asset base and investment in new technology solidify it as the largest and most influential bank in the Philippines, preparing it to capture further growth amid digital adoption and rising consumer demand.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.