0UB Fundamental Analysis - UBS GROUP AG-REG

Fundamental Rating

0UB gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 109 industry peers in the Capital Markets industry. 0UB may be in some trouble as it scores bad on both profitability and health. 0UB has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

In the past year 0UB was profitable.

0UB had a positive operating cash flow in the past year.

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.

1.2 Ratios

0UB has a Return On Assets of 0.38%. This is comparable to the rest of the industry: 0UB outperforms 46.79% of its industry peers.

The Return On Equity of 0UB (7.04%) is comparable to the rest of the industry.

		Industry Rank	Sector 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

1.3 Margins

0UB has a Profit Margin of 12.25%. This is comparable to the rest of the industry: 0UB outperforms 55.96% 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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

Compared to 1 year ago, 0UB has an improved debt to assets ratio.

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.

0UB has a better Debt to FCF ratio (37.17) than 63.30% of its industry peers.

0UB has a Debt/Equity ratio of 4.21. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 4.21, 0UB is not doing good in the industry: 64.22% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	4.21
Debt/FCF	37.17
Altman-Z	N/A

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

0UB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 256.60%, which is quite impressive.

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%.

0UB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 10.83% yearly.

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

Based on estimates for the next years, 0UB will show a very strong growth in Earnings Per Share. The EPS will grow by 24.75% on average per year.

The Revenue is expected to grow by 2.76% on average over the next years.

EPS Next Y49.33%

EPS Next 2Y45.24%

EPS Next 3Y38.95%

EPS Next 5Y24.75%

Revenue Next Year-0.19%

Revenue Next 2Y1.69%

Revenue Next 3Y2.44%

Revenue Next 5Y2.76%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 21.34, which indicates a rather expensive current valuation of 0UB.

Compared to the rest of the industry, the Price/Earnings ratio of 0UB indicates a somewhat cheap valuation: 0UB is cheaper than 61.47% of the companies listed in the same industry.

0UB is valuated rather cheaply when we compare the Price/Earnings ratio to 27.43, which is the current average of the S&P500 Index.

0UB is valuated correctly with a Price/Forward Earnings ratio of 12.60.

0UB's Price/Forward Earnings ratio is rather cheap when compared to the industry. 0UB is cheaper than 80.73% of the companies in the same industry.

0UB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.87, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	21.34
Fwd PE	12.6

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, 0UB is valued cheaply inside the industry as 82.57% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	13.36
EV/EBITDA	N/A

4.3 Compensation for Growth

0UB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

0UB's earnings are expected to grow with 38.95% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.43

PEG (5Y)5.35

EPS Next 2Y45.24%

EPS Next 3Y38.95%

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5. Dividend

5.1 Amount

0UB has a Yearly Dividend Yield of 2.27%.

0UB's Dividend Yield is a higher than the industry average which is at 6.20.

Compared to an average S&P500 Dividend Yield of 2.45, 0UB has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.27%

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 2Y45.24%

EPS Next 3Y38.95%

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UBS GROUP AG-REG

FRA:0UB (9/11/2025, 7:00:00 PM)

34.57

+0.41 (+1.2%)

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

Inst Owners57.66%

Inst Owner ChangeN/A

Ins Owners0.04%

Ins Owner ChangeN/A

Market Cap115.52B

Analysts76.8

Price Target34.71 (0.4%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.27%

Yearly Dividend0.6

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)8.06%

PT rev (3m)8.63%

EPS NQ rev (1m)4.26%

EPS NQ rev (3m)-8.26%

EPS NY rev (1m)9.1%

EPS NY rev (3m)9.1%

Revenue NQ rev (1m)1.83%

Revenue NQ rev (3m)4.83%

Revenue NY rev (1m)1.12%

Revenue NY rev (3m)1.94%

Valuation

		Industry Rank	Sector Rank
PE	21.34
Fwd PE	12.6
P/S	2.63
P/FCF	13.36
P/OCF	10.97
P/B	1.51
P/tB	1.64
EV/EBITDA	N/A

EPS(TTM)1.62

EY4.69%

EPS(NY)2.74

Fwd EY7.94%

FCF(TTM)2.59

FCFY7.49%

OCF(TTM)3.15

OCFY9.12%

SpS13.13

BVpS22.86

TBVpS21.07

PEG (NY)0.43

PEG (5Y)5.35

Profitability

		Industry Rank	Sector 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

ROICexcg growth 3YN/A

ROICexcg 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 Rank	Sector 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 Y49.33%

EPS Next 2Y45.24%

EPS Next 3Y38.95%

EPS Next 5Y24.75%

Revenue 1Y (TTM)3.14%

Revenue growth 3Y11.11%

Revenue growth 5Y10.83%

Sales Q2Q%-3.74%

Revenue Next Year-0.19%

Revenue Next 2Y1.69%

Revenue Next 3Y2.44%

Revenue Next 5Y2.76%

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-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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens