` UBP (Union Bank of the Philippines) vs SBK (Standard Bank Group Ltd) Comparison - Alpha Spread

U
UBP
vs
S
SBK

Over the past 12 months, UBP has underperformed SBK, delivering a return of -5% compared to the SBK's +9% growth.

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UBP
SBK
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One-click summary across all key metrics.
Ranked results with clear takeaways.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
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Valuation Comparison

UBP Intrinsic Value
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SBK Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
U
Union Bank of the Philippines
XPHS:UBP
32.1 PHP
S
Standard Bank Group Ltd
JSE:SBK
22 829 Zac
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
UBP vs SBK

UBP
SBK
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Revenue
www.alphaspread.com
Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
U
Union Bank of the Philippines
Revenue
S
Standard Bank Group Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
UBP vs SBK

UBP
SBK
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
U
Union Bank of the Philippines
XPHS:UBP
FCF is not applicable for financial companies
S
Standard Bank Group Ltd
JSE:SBK
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

UBP
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
U
Union Bank of the Philippines
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Operating Margin

UBP
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
U
Union Bank of the Philippines
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Net Margin

UBP
14.1%
SBK
17%

FCF Margin

UBP
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
U
Union Bank of the Philippines
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

ROE

UBP
6.2%
SBK
16.4%

ROA

UBP
1%
SBK
1.4%

ROIC

UBP
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
U
Union Bank of the Philippines
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

ROCE

UBP
SBK
LTM 3Y Avg 5Y Avg 10Y Avg
U
Union Bank of the Philippines
Not applicable for financial companies
S
Standard Bank Group Ltd
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
UBP vs SBK

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Performance Gap
UBP vs SBK

Performance Gap Between UBP and SBK
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Performance By Year
UBP vs SBK

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UBP
SBK
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