UBS GROUP AG-REG (0UB.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:0UB - CH0244767585 - Common Stock
40.12 EUR
-0.73 (-1.79%)
0UB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 121 industry peers in the Capital Markets industry. 0UB has a bad profitability rating. Also its financial health evaluation is rather negative. 0UB has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
- In the past year 0UB was profitable.
- In the past year 0UB had a positive cash flow from operations.
- 0UB had positive earnings in each of the past 5 years.
- 0UB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.45%, 0UB is in line with its industry, outperforming 45.45% of the companies in the same industry.
- 0UB's Return On Equity of 8.16% is in line compared to the rest of the industry. 0UB outperforms 56.20% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 8.16% | ||
| ROIC | N/A |
ROA(3y)0.87%
ROA(5y)0.77%
ROE(3y)17.12%
ROE(5y)14.94%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- 0UB has a Profit Margin of 14.19%. This is comparable to the rest of the industry: 0UB outperforms 55.37% of its industry peers.
- 0UB's Profit Margin has declined in the last couple of years.
- 0UB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 14.19% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.78%
PM growth 5Y-6.71%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- 0UB has less shares outstanding than it did 1 year ago.
- The number of shares outstanding for 0UB has been reduced compared to 5 years ago.
- Compared to 1 year ago, 0UB has an improved debt to assets ratio.
2.2 Solvency
- 0UB has a debt to FCF ratio of 180.19. This is a negative value and a sign of low solvency as 0UB would need 180.19 years to pay back of all of its debts.
- 0UB has a Debt to FCF ratio of 180.19. This is comparable to the rest of the industry: 0UB outperforms 56.20% of its industry peers.
- A Debt/Equity ratio of 4.12 is on the high side and indicates that 0UB has dependencies on debt financing.
- 0UB has a Debt to Equity ratio of 4.12. This is in the lower half of the industry: 0UB underperforms 61.98% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.12 | ||
| Debt/FCF | 180.19 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACCN/A
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 85.00% over the past year.
- The Earnings Per Share has been growing slightly by 3.99% on average over the past years.
- The Revenue has been growing slightly by 2.64% in the past year.
- The Revenue has been growing by 10.83% on average over the past years. This is quite good.
EPS 1Y (TTM)85%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%76.74%
Revenue 1Y (TTM)2.64%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%-1.75%
3.2 Future
- The Earnings Per Share is expected to grow by 24.68% on average over the next years. This is a very strong growth
- Based on estimates for the next years, 0UB will show a small growth in Revenue. The Revenue will grow by 2.70% on average per year.
EPS Next Y72.21%
EPS Next 2Y49.7%
EPS Next 3Y41.02%
EPS Next 5Y24.68%
Revenue Next Year1.84%
Revenue Next 2Y2.78%
Revenue Next 3Y3.06%
Revenue Next 5Y2.7%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 21.01, which indicates a rather expensive current valuation of 0UB.
- 0UB's Price/Earnings ratio is in line with the industry average.
- When comparing the Price/Earnings ratio of 0UB to the average of the S&P500 Index (27.38), we can say 0UB is valued slightly cheaper.
- With a Price/Forward Earnings ratio of 13.70, 0UB is valued correctly.
- 0UB's Price/Forward Earnings ratio is rather cheap when compared to the industry. 0UB is cheaper than 80.99% of the companies in the same industry.
- 0UB's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 24.29.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.01 | ||
| Fwd PE | 13.7 |
4.2 Price Multiples
- 0UB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. 0UB is cheaper than 60.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 75.77 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as 0UB's earnings are expected to grow with 41.02% in the coming years.
PEG (NY)0.29
PEG (5Y)5.27
EPS Next 2Y49.7%
EPS Next 3Y41.02%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 1.93%, 0UB has a reasonable but not impressive dividend return.
- 0UB's Dividend Yield is comparable with the industry average which is at 3.07.
- 0UB's Dividend Yield is comparable with the S&P500 average which is at 1.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.93% |
5.2 History
- The dividend of 0UB has a limited annual growth rate of 0.29%.
Dividend Growth(5Y)0.29%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 0UB pays out 39.06% of its income as dividend. This is a sustainable payout ratio.
- The dividend of 0UB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.06%
EPS Next 2Y49.7%
EPS Next 3Y41.02%
FRA:0UB (1/19/2026, 7:00:00 PM)
40.12
-0.73 (-1.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-29 2025-10-29/bmo
Earnings (Next)02-04 2026-02-04/amc
Inst Owners58.99%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap134.06B
Revenue(TTM)51.71B
Net Income(TTM)7.34B
Analysts77.6
Price Target37.46 (-6.63%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.93% |
Yearly Dividend0.61
Dividend Growth(5Y)0.29%
DP39.06%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)19.4%
Min EPS beat(2)-1.54%
Max EPS beat(2)40.34%
EPS beat(4)1
Avg EPS beat(4)2.26%
Min EPS beat(4)-25.26%
Max EPS beat(4)40.34%
EPS beat(8)4
Avg EPS beat(8)-2.9%
EPS beat(12)5
Avg EPS beat(12)-30.18%
EPS beat(16)9
Avg EPS beat(16)-17.85%
Revenue beat(2)0
Avg Revenue beat(2)-2.98%
Min Revenue beat(2)-4.59%
Max Revenue beat(2)-1.36%
Revenue beat(4)0
Avg Revenue beat(4)-3.29%
Min Revenue beat(4)-5.19%
Max Revenue beat(4)-1.36%
Revenue beat(8)4
Avg Revenue beat(8)1.71%
Revenue beat(12)8
Avg Revenue beat(12)3.5%
Revenue beat(16)12
Avg Revenue beat(16)4.87%
PT rev (1m)0%
PT rev (3m)5.9%
EPS NQ rev (1m)-0.44%
EPS NQ rev (3m)-1.93%
EPS NY rev (1m)-2.41%
EPS NY rev (3m)13.36%
Revenue NQ rev (1m)-3.94%
Revenue NQ rev (3m)-1.41%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.6%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.01 | ||
| Fwd PE | 13.7 | ||
| P/S | 3.02 | ||
| P/FCF | 75.77 | ||
| P/OCF | 36.31 | ||
| P/B | 1.73 | ||
| P/tB | 1.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.91
EY4.76%
EPS(NY)2.93
Fwd EY7.3%
FCF(TTM)0.53
FCFY1.32%
OCF(TTM)1.1
OCFY2.75%
SpS13.3
BVpS23.13
TBVpS21.33
PEG (NY)0.29
PEG (5Y)5.27
Graham Number31.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 8.16% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 14.19% | ||
| GM | N/A | ||
| FCFM | 3.98% |
ROA(3y)0.87%
ROA(5y)0.77%
ROE(3y)17.12%
ROE(5y)14.94%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-20.78%
PM growth 5Y-6.71%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.12 | ||
| Debt/FCF | 180.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 61.14% | ||
| Cap/Sales | 4.32% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 28.05% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)59.2%
Cap/Depr(5y)70.42%
Cap/Sales(3y)4.12%
Cap/Sales(5y)4.52%
Profit Quality(3y)167.93%
Profit Quality(5y)287.17%
High Growth Momentum
Growth
EPS 1Y (TTM)85%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%76.74%
EPS Next Y72.21%
EPS Next 2Y49.7%
EPS Next 3Y41.02%
EPS Next 5Y24.68%
Revenue 1Y (TTM)2.64%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%-1.75%
Revenue Next Year1.84%
Revenue Next 2Y2.78%
Revenue Next 3Y3.06%
Revenue Next 5Y2.7%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1.94%
EBIT Next 3Y23.74%
EBIT Next 5YN/A
FCF growth 1Y-95.53%
FCF growth 3Y-64.98%
FCF growth 5Y-41.22%
OCF growth 1Y-91.01%
OCF growth 3Y-52.92%
OCF growth 5Y-30.14%
UBS GROUP AG-REG / 0UB.DE FAQ
What is the ChartMill fundamental rating of UBS GROUP AG-REG (0UB.DE) stock?
ChartMill assigns a fundamental rating of 4 / 10 to 0UB.DE.
Can you provide the valuation status for UBS GROUP AG-REG?
ChartMill assigns a valuation rating of 5 / 10 to UBS GROUP AG-REG (0UB.DE). This can be considered as Fairly Valued.
How profitable is UBS GROUP AG-REG (0UB.DE) stock?
UBS GROUP AG-REG (0UB.DE) has a profitability rating of 3 / 10.
What are the PE and PB ratios of UBS GROUP AG-REG (0UB.DE) stock?
The Price/Earnings (PE) ratio for UBS GROUP AG-REG (0UB.DE) is 21.01 and the Price/Book (PB) ratio is 1.73.
Can you provide the financial health for 0UB stock?
The financial health rating of UBS GROUP AG-REG (0UB.DE) is 2 / 10.