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UBS GROUP AG-REG (0UB.DE) Stock Fundamental Analysis

Europe - FRA:0UB - CH0244767585 - Common Stock

32.85 EUR
-0.11 (-0.33%)
Last: 10/24/2025, 7:00:00 PM
Fundamental Rating

4

Taking everything into account, 0UB scores 4 out of 10 in our fundamental rating. 0UB was compared to 113 industry peers in the Capital Markets industry. Both the profitability and financial health of 0UB have multiple concerns. 0UB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

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.
Each year in the past 5 years 0UB has been profitable.
0UB had a positive operating cash flow in each of the past 5 years.
0UB.DE Yearly Net Income VS EBIT VS OCF VS FCF0UB.DE Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B 60B 80B

1.2 Ratios

0UB's Return On Assets of 0.38% is in line compared to the rest of the industry. 0UB outperforms 45.13% of its industry peers.
The Return On Equity of 0UB (7.04%) is comparable to the rest of the industry.
Industry RankSector Rank
ROA 0.38%
ROE 7.04%
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
0UB.DE Yearly ROA, ROE, ROIC0UB.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

0UB has a Profit Margin of 12.25%. This is comparable to the rest of the industry: 0UB outperforms 56.64% of its industry peers.
0UB's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for 0UB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 12.25%
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
0UB.DE Yearly Profit, Operating, Gross Margins0UB.DE Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

2

2. Health

2.1 Basic Checks

The number of shares outstanding for 0UB has been reduced compared to 1 year ago.
Compared to 5 years ago, 0UB has less shares outstanding
0UB has a better debt/assets ratio than last year.
0UB.DE Yearly Shares Outstanding0UB.DE Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
0UB.DE Yearly Total Debt VS Total Assets0UB.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T

2.2 Solvency

The Debt to FCF ratio of 0UB is 37.17, which is on the high side as it means it would take 0UB, 37.17 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 37.17, 0UB is doing good in the industry, outperforming 60.18% of the companies in the same industry.
A Debt/Equity ratio of 4.21 is on the high side and indicates that 0UB has dependencies on debt financing.
The Debt to Equity ratio of 0UB (4.21) is worse than 65.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.21
Debt/FCF 37.17
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
0UB.DE Yearly LT Debt VS Equity VS FCF0UB.DE Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
0UB.DE Yearly Current Assets VS Current Liabilites0UB.DE Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 256.60% over the past year.
Measured over the past 5 years, 0UB shows a small growth in Earnings Per Share. The EPS has been growing by 3.99% on average per year.
0UB shows a small growth in Revenue. In the last year, the Revenue has grown by 3.14%.
Measured over the past years, 0UB shows a quite strong growth in Revenue. The Revenue has been growing by 10.83% on average per year.
EPS 1Y (TTM)256.6%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%111.76%
Revenue 1Y (TTM)3.14%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%-3.74%

3.2 Future

The Earnings Per Share is expected to grow by 27.38% 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 2.98% on average per year.
EPS Next Y51.91%
EPS Next 2Y45.48%
EPS Next 3Y39.61%
EPS Next 5Y27.38%
Revenue Next Year0.23%
Revenue Next 2Y1.88%
Revenue Next 3Y2.55%
Revenue Next 5Y2.98%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
0UB.DE Yearly Revenue VS Estimates0UB.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 20B 40B 60B
0UB.DE Yearly EPS VS Estimates0UB.DE Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 2 4 6

6

4. Valuation

4.1 Price/Earnings Ratio

0UB is valuated rather expensively with a Price/Earnings ratio of 20.15.
63.72% of the companies in the same industry are more expensive than 0UB, based on the Price/Earnings ratio.
0UB's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.89.
0UB is valuated reasonably with a Price/Forward Earnings ratio of 11.86.
82.30% of the companies in the same industry are more expensive than 0UB, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.99, 0UB is valued a bit cheaper.
Industry RankSector Rank
PE 20.15
Fwd PE 11.86
0UB.DE Price Earnings VS Forward Price Earnings0UB.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of 0UB indicates a rather cheap valuation: 0UB is cheaper than 82.30% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 12.61
EV/EBITDA N/A
0UB.DE Per share data0UB.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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 39.61% in the coming years.
PEG (NY)0.39
PEG (5Y)5.05
EPS Next 2Y45.48%
EPS Next 3Y39.61%

5

5. Dividend

5.1 Amount

0UB has a Yearly Dividend Yield of 2.42%. Purely for dividend investing, there may be better candidates out there.
0UB's Dividend Yield is a higher than the industry average which is at 5.70.
Compared to an average S&P500 Dividend Yield of 2.31, 0UB has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.42%

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 45.62% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of 0UB is growing, but earnings are growing more, so the dividend growth is sustainable.
DP45.62%
EPS Next 2Y45.48%
EPS Next 3Y39.61%
0UB.DE Yearly Income VS Free CF VS Dividend0UB.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B 60B 80B
0UB.DE Dividend Payout.0UB.DE Dividend Payout, showing the Payout Ratio.0UB.DE Dividend Payout.PayoutRetained Earnings

UBS GROUP AG-REG

FRA:0UB (10/24/2025, 7:00:00 PM)

32.85

-0.11 (-0.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)07-30 2025-07-30/bmo
Earnings (Next)10-29 2025-10-29/bmo
Inst Owners55.07%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap109.77B
Revenue(TTM)51.26B
Net Income(TTM)6.28B
Analysts76.8
Price Target35.37 (7.67%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.42%
Yearly Dividend0.61
Dividend Growth(5Y)0.29%
DP45.62%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-3.02%
Min EPS beat(2)-4.5%
Max EPS beat(2)-1.54%
EPS beat(4)1
Avg EPS beat(4)-2.38%
Min EPS beat(4)-25.26%
Max EPS beat(4)21.79%
EPS beat(8)3
Avg EPS beat(8)-37.54%
EPS beat(12)5
Avg EPS beat(12)-32.43%
EPS beat(16)9
Avg EPS beat(16)-17.8%
Revenue beat(2)0
Avg Revenue beat(2)-4.89%
Min Revenue beat(2)-5.19%
Max Revenue beat(2)-4.59%
Revenue beat(4)1
Avg Revenue beat(4)-0.94%
Min Revenue beat(4)-5.19%
Max Revenue beat(4)8.05%
Revenue beat(8)5
Avg Revenue beat(8)3.05%
Revenue beat(12)9
Avg Revenue beat(12)3.85%
Revenue beat(16)13
Avg Revenue beat(16)5.74%
PT rev (1m)1.89%
PT rev (3m)10.1%
EPS NQ rev (1m)-0.16%
EPS NQ rev (3m)8.25%
EPS NY rev (1m)0%
EPS NY rev (3m)10.99%
Revenue NQ rev (1m)-1.96%
Revenue NQ rev (3m)-1.58%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)2.37%
Valuation
Industry RankSector Rank
PE 20.15
Fwd PE 11.86
P/S 2.49
P/FCF 12.61
P/OCF 10.35
P/B 1.43
P/tB 1.55
EV/EBITDA N/A
EPS(TTM)1.63
EY4.96%
EPS(NY)2.77
Fwd EY8.43%
FCF(TTM)2.6
FCFY7.93%
OCF(TTM)3.17
OCFY9.66%
SpS13.21
BVpS23.01
TBVpS21.2
PEG (NY)0.39
PEG (5Y)5.05
Graham Number29.05
Profitability
Industry RankSector Rank
ROA 0.38%
ROE 7.04%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 12.25%
GM N/A
FCFM 19.71%
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-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 4.21
Debt/FCF 37.17
Debt/EBITDA N/A
Cap/Depr 58.63%
Cap/Sales 4.3%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 160.87%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
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)256.6%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%111.76%
EPS Next Y51.91%
EPS Next 2Y45.48%
EPS Next 3Y39.61%
EPS Next 5Y27.38%
Revenue 1Y (TTM)3.14%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%-3.74%
Revenue Next Year0.23%
Revenue Next 2Y1.88%
Revenue Next 3Y2.55%
Revenue Next 5Y2.98%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year16.43%
EBIT Next 3Y26.59%
EBIT Next 5YN/A
FCF growth 1Y-18.83%
FCF growth 3Y-64.98%
FCF growth 5Y-41.22%
OCF growth 1Y-13.08%
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.


What is the valuation status of UBS GROUP AG-REG (0UB.DE) stock?

ChartMill assigns a valuation rating of 6 / 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 is the valuation of UBS GROUP AG-REG based on its PE and PB ratios?

The Price/Earnings (PE) ratio for UBS GROUP AG-REG (0UB.DE) is 20.15 and the Price/Book (PB) ratio is 1.43.


What is the earnings growth outlook for UBS GROUP AG-REG?

The Earnings per Share (EPS) of UBS GROUP AG-REG (0UB.DE) is expected to grow by 51.91% in the next year.