Should I buy Banco de Oro Unibank stock in 2025?

What is Banco de Oro Unibank?

How much is Banco de Oro Unibank stock?

The price of Banco de Oro Unibank stock is falling this week. As of today, BDO trades at ₱162.00 per share, down 0.92% over the last 24 hours and 4.45% for the week. The bank’s market capitalization stands at ₱854.19 billion, with an average 3-month trading volume of 4.04 million shares.

A beta of 0.98 indicates near-market volatility. While BDO shows strong fundamentals and growth potential in the Philippine banking sector, investors should consider recent market swings when evaluating timing for new positions.

Our full analysis on Banco de Oro Unibank stock

Having thoroughly analyzed Banco de Oro Unibank (BDO) by reviewing its latest financial results, three-year price evolution, and integrating a multi-faceted review of financial metrics, technical signals, sector dynamics, and competitive positioning, our proprietary synthesis points to significant strengths. The bank’s robust core performance and dominant market share blend with an increasingly constructive macroeconomic outlook. So, why might Banco de Oro Unibank once again become a strategic entry point into the Philippine banking sector in 2025?

Recent Performance and Market Context

BDO has been on an eventful journey in recent quarters. As of May 27, 2025, the share price stands at ₱162.00, within a 52-week range of ₱127.00 to ₱169.00. The stock has experienced a +12.55% advance year-to-date, even if the last twelve months show a -19.82% contraction—an evolution largely reflective of sector-wide adjustments and short-term sentiment.

• Record Financial Results: The bank reported a net income of ₱82 billion for FY2024 (+12% YoY) and Q1 2025 net income reaching ₱19.70 billion (+6.5% YoY).
• Leadership Stability: Strategic appointments at the executive level underpin confidence in future governance and operational agility.
• Sustainability Credentials: Leading the Philippine market with ₱1.04 trillion deployed into sustainable finance, BDO fosters a contemporary banking vision aligned with global trends.

The broader sector context is no less favorable. The Philippine economy is forecasted by Fitch to expand by 5.9% in 2025 and 6.2% in 2026—an environment primed for banking activity growth, credit expansion, and rising consumer engagement. The sector is additionally buoyed by the prospect of policy rate cuts, a development that has historically favored bank earnings through margin recovery and loan growth accretion.

Technical Analysis

Indications from the technical sphere are decidedly constructive for BDO at this juncture.

• Momentum Indicators:
• The Relative Strength Index (RSI) at 52.0 signals a neutral yet healthy state, offering upward potential.
• The MACD buy signal (+0.53) and a notably oversold Stochastic RSI (4.9) suggest ongoing accumulation and readiness for a reversal.
• Williams %R at -44.3 reiterates a position nearer to a buying zone.
• Moving Averages:
• The stock trades above its 20-, 50-, 100-, and even 200-day moving averages, a classic indicator of entrenched bullish sentiment.
• Eight out of twelve tracked signals are positive, with prices comfortably above key supports: ₱159.80, ₱158.70, and ₱158.00.
• Short-to-Medium Term Structure:
• The current pullback (-0.81% over one month, -12.11% over six months) appears more rotational than fundamentally driven—potentially setting the stage for renewed upward trajectory.
• Nearby resistance levels at ₱161.60, ₱162.30, and ₱163.40 are within reach, offering clear short-term targets for traders seeking confirmation of a momentum shift.

These factors combine to create an environment of low downside risk and outsized upside optionality, supported by historically reliable technical patterns.

Fundamental Analysis

From a fundamental standpoint, BDO exhibits all the hallmarks of a sector leader:

• Consistent Revenue and Profit Growth:
• Q1 2025 showcased a 6.3% increase in net interest income and a 6.5% jump in net profits YoY, building on FY2024’s 12% profit surge.
• This performance is paired with an outstandingly low non-performing loan (NPL) ratio of 1.83%, far exceeding the sector average (3.3%), and a strong return on equity of 15.1%.
• Attractive Valuation:
• With a P/E ratio of 10.4, BDO is trading at compelling levels relative to regional banks—an enticing entry point, especially in light of a three-year low in price-to-book (1.4x).
• The forward dividend yield of 2.47% coupled with reliable payout increases adds another pillar to its investment case.
• Structural Strengths:
• As the largest bank by assets, branches, and capitalization, BDO is unrivalled in its domestic reach. Its innovative thrust into sustainable finance and expansion into digital channels enhances both brand strength and long-term growth prospects.
• The bank has proactively raised capital via landmark ASEAN sustainability bonds, ensuring a future-proof balance sheet and ample liquidity for opportunistic expansion.

These fundamentals support the notion that current price levels may significantly underestimate BDO’s medium- and long-term earnings power.

Volume and Liquidity

Active participation and deep liquidity are further evidence of BDO’s appeal:

• Sustained Trading Volume:
• Over the past quarter, average daily trading volume sits at an impressive 4.04 million shares, reflecting robust institutional participation and confidence.
• While current day volume (799,880 shares) trails the average, this is consistent with a consolidating phase where volatility contracts ahead of a potential breakout.
• FLOAT AND DYNAMIC VALUATION:
• With a public float of over 2.33 billion shares, BDO remains one of the most liquid stocks in the PSE, enabling flexible portfolio management and attracting both local and foreign investors—particularly given its 40% foreign ownership ceiling and ADR trading on OTC markets.

High liquidity not only facilitates efficient entry and exit but also often precedes re-rating events following positive catalysts.

Catalysts and Positive Outlook

A convergence of imminent and long-term drivers could propel BDO to outperform benchmark indices in 2025 and beyond:

• Interest Rate Tailwinds: Projected central bank rate cuts (as much as 100bps) bode well for margin recovery, credit demand, and fee-based income expansion.
• Economic Upswing: With Philippine GDP poised for near-6% growth, BDO stands to benefit directly from increased institutional lending, rising consumer finance demand, and a revitalized real estate sector.
• ESG and Sustainability: BDO’s scale and leadership in sustainable finance not only address regulatory imperatives but open new avenues for investor inflows focused on ESG-compliant Asian financials.
• Capital Adequacy and Credit Upgrades: Recent successful bond issuances and Fitch’s credit rating upgrade signal strong capital buffers and high-quality risk management—foundational for further business growth.
• Awards and Recognition: The “Best Bank in the Philippines” distinction by Global Finance Magazine in 2025 marks BDO as a best-in-class franchise, a distinction with tangible reputational and capital raising benefits.

These factors create a highly supportive context for BDO’s valuation multiples to expand, especially as broader market sentiment turns constructive.

Investment Strategies

For investors seeking optimized exposure to the Philippine financial sector, BDO presents several timing strategies:

• Short-term: With the stock trading above all major moving averages and testing key resistance, technical swings provide a responsive environment for tactical entries. The oversold momentum readings serve as confirming signals for traders eyeing an imminent bounce.
• Medium-term: For those positioning ahead of a confirmed trend reversal, consolidation near current support (₱159.80-₱160.70) provides favorable risk/reward. Upcoming potential catalysts—such as the BSP rate cut or the next quarterly earnings—could act as ignition points for a sustained rally.
• Long-term: For fundamentalists, the current sub-market valuation, peer-leading profitability, and sector leadership offer an attractive entry for compounding value and dividend growth over multiple cycles. Investors with longer horizons may particularly appreciate BDO’s historical resilience and ability to gain share during periods of economic expansion.

Regardless of timeframe, BDO’s present valuation and technical structure seem to represent an excellent opportunity to accumulate exposure to a generationally strong banking franchise.

Is It the Right Time to Buy Banco de Oro Unibank?

In summary, Banco de Oro Unibank’s mix of resilient earnings momentum, attractive valuation, and sector-dominant fundamentals reveals a stock potentially poised for outperformance as the Philippine economy accelerates through 2025. A robust technical profile, high liquidity, strategic ESG initiatives, and widely recognized sector leadership further reinforce the case for renewed interest at current levels. Analysts’ consensus target of ₱189.94 implies a 17% upside potential, and dividend stability offers additional comfort to both growth- and income-oriented investors.

While prudent attention to global risks is warranted, the confluence of positive drivers—economic acceleration, projected policy rate cuts, and BDO’s unique structural position—point to the likelihood of a new bullish phase for the stock. For investors prepared to capitalize on a well-managed, fundamentally sound, and technically attractive blue-chip, Banco de Oro Unibank appears to be entering an optimal window for accumulation.

With all these converging strengths, BDO Unibank seems well-placed to reward patient capital, offering a compelling case for inclusion in a forward-looking Philippine equity portfolio.

How to buy Banco de Oro Unibank stock in PH?

Buying Banco de Oro Unibank (BDO) stock online in the Philippines is straightforward and secure when using a regulated broker. You can choose between purchasing actual shares at the market price (spot buying) or trading Contracts for Difference (CFDs), which allow you to speculate on BDO's price movements with leverage. Both options can be accessed easily through modern online platforms, providing transparency and protection for investors. Each method has its advantages—spot buying gives you shareholder rights, while CFDs offer flexibility and leverage. To find the best fit for you, it's important to compare broker features and fees (see the comparison table further down this page).

Cash buying

A cash purchase means you directly buy actual shares of Banco de Oro Unibank listed on the Philippine Stock Exchange (PSE), making you a part-owner entitled to potential dividends and shareholder rights. When buying online via a local broker, you'll typically pay a flat commission per order—often around ₱100 to ₱200, plus the stock transaction tax and small regulatory fees.

Example

Example: Suppose BDO is priced at ₱162.00 per share. With ₱56,000 (roughly $1,000 at an exchange rate of ₱56 = $1), you could buy about 345 shares (₱56,000 ÷ ₱162.00 ≈ 345), accounting for a brokerage fee of about ₱280 ($5).

✔️ Gain Scenario: If BDO's share price rises by 10%, your shares would now be worth approximately ₱61,600 (₱56,000 × 1.10).

Result: That’s a gross gain of ₱5,600 (about $100), reflecting a 10% return on your original investment.

Trading via CFD

CFD trading on Banco de Oro Unibank shares lets you speculate on price movements without actually owning the shares. Instead, you enter a contract with your broker to exchange the difference in the share price from opening to closing positions. CFDs are popular for their flexibility, access to leverage, and the ability to both buy ("go long") or sell ("go short"). Typical fees include the bid-ask spread and overnight financing costs if holding positions beyond a day.

Example

Example: You open a CFD trade on BDO stock with $1,000 and use 5x leverage, giving you the equivalent exposure of $5,000 to the market.

If BDO's price rises 8% during your trade, your position gains 8% × 5 = 40%.

Result: That’s a gross gain of $400 on a $1,000 investment (before fees and margin requirements).

Final advice

Before investing in Banco de Oro Unibank, always compare brokers for their fees, available markets, leverage, and regulatory protections. Consider your objectives: spot buying suits those seeking long-term growth and dividends, while CFDs fit active traders focused on short-term moves and leverage. Choosing the right broker and method depends on your own risk tolerance, investment timeline, and financial goals. You’ll find a detailed broker comparison further down this page to help make your decision easier and more informed.

Our 7 tips for buying Banco de Oro Unibank stock

The latest news about Banco de Oro Unibank

BDO Unibank maintains a dominant market position with strong Q1 2025 earnings and sector-leading fundamentals. In the first quarter of 2025, BDO reported a net income of ₱19.7 billion, marking a 6.5% year-on-year increase and highlighting robust profitability. The bank's net interest income also grew by 6.3% versus the prior year, supported by healthy loan growth and efficient cost management. Importantly, BDO’s non-performing loan ratio remains exceptionally low at 1.83%, well below the industry average of 3.3%, indicating prudent risk management and asset quality. These results reinforce the bank’s reputation as the largest and most resilient financial institution in the Philippines.

Technical indicators are signaling a bullish trend for BDO, with the stock trading above major moving averages. As of May 27, 2025, BDO’s share price stands at ₱162.00, above its 20, 50, 100, and 200-day moving averages—an important bullish signal. The technical setup is further supported by a MACD buy signal and strong momentum indicators, while the Relative Strength Index (RSI) registers a neutral stance, suggesting the stock is neither overbought nor oversold. The consensus “Buy” rating from analysts, combined with an average target price of ₱189.94, points to a potential upside of 17.25% from current levels, underscoring continued investor confidence in the stock.

Fitch Ratings upgraded BDO’s Viability Rating, citing a strengthened operating environment in the Philippines. In March 2025, global credit agency Fitch raised BDO’s Viability Rating to ‘bbb-’ and affirmed its Long-Term Issuer Default Rating at ‘BBB-’ with a stable outlook. This upgrade reflects improved macroeconomic conditions in the country, BDO’s sound financial profile, and effective risk controls. Such recognition not only enhances the bank’s market standing but also supports access to lower-cost funding and increases institutional investor appeal.

BDO is recognized for its leadership in sustainable finance and has significantly increased green project funding. The bank is the clear leader in sustainable finance among Philippine banks, with a cumulative ₱1.04 trillion in green and social project funding at end-2024, representing a 15.8% increase year-on-year. BDO’s issuance of major ASEAN sustainability bonds (₱63.3 billion in January and ₱55.7 billion in July 2024) has helped strengthen its capital adequacy while deepening its support for local infrastructure and climate resilience initiatives—factors that enhance its long-term appeal to both domestic and foreign investors.

Recent industry accolades affirm BDO’s operational excellence and the bank’s strong trajectory amid a positive economic outlook for the Philippines. For 2025, Global Finance Magazine named BDO the Best Bank in the Philippines, spotlighting its record net income and sound growth strategy. This recognition is well supported by a strong capital position, an attractive dividend yield of 2.47%, and expectations of higher GDP growth and potential interest rate cuts in the country, which should provide further opportunities for BDO to accelerate lending and drive long-term shareholder value.

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.