SM Investments 2025 net rises 10% to P90.5B

Title SM Investments 2025 Net Income Rises 10% to P90.5 Billion Congruous Growth Across Core Businesses

As we enter a new year, it's essential for professionals in the blogging industry to analyze trends and developments that shape the industry. In this blog post, we'll delve into the impressive performance of SM Investments Corp., a leading holding company in the Philippines, which reported a 10% increase in consolidated net income for 2025.

Consolidated Results

Under the leadership of President and CEO Frederic DyBuncio, SM Investments announced consolidated revenues grew 4% to P681.7 billion from P654.8 billion in 2024. This notable growth was driven by steady consumer spending, improved operational efficiencies, and prudent financial management across its core businesses.

Segmental Performance

The company's diversified business portfolio contributed to its success, with the banking segment accounting for 49% of consolidated net income, followed by property at 27%, retail at 18%, and portfolio investments at 6%. This diversification demonstrates the company's ability to adapt and thrive in a dynamic market environment.

Retail Segment

SM Retail, the group's retail arm, posted a slight 1% increase in net income to P21.1 billion, while revenues grew 5% to P458.1 billion. The department store growth was steady, backed by strong performance in the children's category during the fourth quarter.

Banking Segment

BDO Unibank, Inc., the group's banking subsidiary, delivered a record net income of P87.2 billion, up 6% from P82 billion in 2024. The bank logged a 9% rise in net interest income as gross customer loans expanded by 13% to P3.7 trillion and total deposits grew 10%.

Property Segment

SM Prime Holdings, Inc., the group's property unit, posted a 7% rise in net income to P48.8 billion as consolidated revenues reached P141.1 billion.

Portfolio Investments

Portfolio investments were primarily driven by Philippine Geothermal Production Company and NEO buildings, which together accounted for more than half of total portfolio income.

Financial Performance

As of end-2025, SM Investments reported total assets of P1.8 trillion, up 7% year on year, while the gearing ratio remained conservative at 30% net debt to 70% equity.

Market Reaction

Shares of SM Investments rose P4.00, or 0.57%, to P705.00 apiece on Friday, outperforming the broader market, which saw the benchmark Philippine Stock Exchange index ending down 0.22%.

Conclusion

As we look ahead to 2026, it's clear that SM Investments' congruous growth across core businesses is a testament to its resilience and adaptability in the face of changing market conditions. For bloggers, this serves as a reminder to diversify their content offerings, stay nimble, and prioritize financial prudence.

Recommendations

To capitalize on these trends, we recommend that bloggers

1. Diversify their content Explore different formats, such as video, podcasting, or written content, to cater to diverse audience preferences.
2. Stay agile Be prepared to adapt to changing market conditions and consumer behaviors.
3. Prioritize financial prudence Manage expenses wisely, and invest in high-return opportunities.

By embracing these recommendations, bloggers can replicate SM Investments' success and thrive in the ever-evolving landscape of blogging.

Edward Lance Arellano Lorilla

CEO / Co-Founder

Enjoy the little things in life. For one day, you may look back and realize they were the big things. Many of life's failures are people who did not realize how close they were to success when they gave up.