UBS GROUP AG-REG (0UB.DE) Stock Fundamental Analysis
FRA:0UB - Deutsche Boerse Ag - CH0244767585 - Common Stock - Currency: EUR
We assign a fundamental rating of 4 out of 10 to 0UB. 0UB was compared to 107 industry peers in the Capital Markets industry. 0UB may be in some trouble as it scores bad on both profitability and health. 0UB is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
0UB had positive earnings in the past year.
0UB had a positive operating cash flow in the past year.
In the past 5 years 0UB has always been profitable.
Each year in the past 5 years 0UB had a positive operating cash flow.
1.2 Ratios
0UB has a Return On Assets (0.33%) which is in line with its industry peers.
The Return On Equity of 0UB (5.76%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 5.76% | ||
| 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
Looking at the Profit Margin, with a value of 9.83%, 0UB is in line with its industry, outperforming 52.34% of the companies in the same industry.
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) | 9.83% | ||
| 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.
0UB has less shares outstanding than it did 5 years ago.
0UB has a better debt/assets ratio than last year.
2.2 Solvency
0UB has a debt to FCF ratio of 73.01. This is a negative value and a sign of low solvency as 0UB would need 73.01 years to pay back of all of its debts.
0UB has a Debt to FCF ratio of 73.01. This is in the better half of the industry: 0UB outperforms 60.75% of its industry peers.
0UB has a Debt/Equity ratio of 4.15. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 4.15, 0UB is doing worse than 65.42% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.15 | ||
| Debt/FCF | 73.01 | ||
| 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
0UB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 767.82%, which is quite impressive.
The Earnings Per Share has been growing slightly by 3.99% on average over the past years.
The Revenue has grown by 8.30% in the past year. This is quite good.
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)767.82%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%-1.92%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%-5.78%
3.2 Future
The Earnings Per Share is expected to grow by 27.74% on average over the next years. This is a very strong growth
0UB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.67% yearly.
EPS Next Y36.87%
EPS Next 2Y41.54%
EPS Next 3Y38.58%
EPS Next 5Y27.74%
Revenue Next Year-2.09%
Revenue Next 2Y0.14%
Revenue Next 3Y1.37%
Revenue Next 5Y1.67%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 23.64, 0UB is valued on the expensive side.
Based on the Price/Earnings ratio, 0UB is valued a bit cheaper than the industry average as 60.75% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.18. 0UB is around the same levels.
The Price/Forward Earnings ratio is 11.68, which indicates a very decent valuation of 0UB.
Based on the Price/Forward Earnings ratio, 0UB is valued a bit cheaper than 77.57% of the companies in the same industry.
0UB is valuated cheaply when we compare the Price/Forward Earnings ratio to 35.34, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.64 | ||
| Fwd PE | 11.68 |
4.2 Price Multiples
78.50% of the companies in the same industry are more expensive than 0UB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.97 | ||
| 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 38.58% in the coming years.
PEG (NY)0.64
PEG (5Y)5.93
EPS Next 2Y41.54%
EPS Next 3Y38.58%
5. Dividend
5.1 Amount
0UB has a Yearly Dividend Yield of 2.55%.
0UB's Dividend Yield is a higher than the industry average which is at 5.87.
Compared to an average S&P500 Dividend Yield of 2.34, 0UB has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
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 44.91% 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.
DP44.91%
EPS Next 2Y41.54%
EPS Next 3Y38.58%
FRA:0UB (7/15/2025, 7:00:00 PM)
30.5
-0.55 (-1.77%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners57.66%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap101.92B
Analysts76
Price Target31.51 (3.31%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.55% |
Yearly Dividend0.6
Dividend Growth(5Y)0.29%
DP44.91%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-14.88%
Min EPS beat(2)-25.26%
Max EPS beat(2)-4.5%
EPS beat(4)2
Avg EPS beat(4)1.25%
Min EPS beat(4)-25.26%
Max EPS beat(4)21.79%
EPS beat(8)3
Avg EPS beat(8)-50.44%
EPS beat(12)6
Avg EPS beat(12)-31.05%
EPS beat(16)10
Avg EPS beat(16)-16.52%
Revenue beat(2)0
Avg Revenue beat(2)-3.6%
Min Revenue beat(2)-5.19%
Max Revenue beat(2)-2.01%
Revenue beat(4)2
Avg Revenue beat(4)1.98%
Min Revenue beat(4)-5.19%
Max Revenue beat(4)8.05%
Revenue beat(8)6
Avg Revenue beat(8)5.48%
Revenue beat(12)10
Avg Revenue beat(12)4.57%
Revenue beat(16)14
Avg Revenue beat(16)6.46%
PT rev (1m)-0.03%
PT rev (3m)N/A
EPS NQ rev (1m)2.39%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.39%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.64 | ||
| Fwd PE | 11.68 | ||
| P/S | 2.33 | ||
| P/FCF | 23.97 | ||
| P/OCF | 16.72 | ||
| P/B | 1.36 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.29
EY4.23%
EPS(NY)2.61
Fwd EY8.56%
FCF(TTM)1.27
FCFY4.17%
OCF(TTM)1.82
OCFY5.98%
SpS13.1
BVpS22.37
TBVpS20.59
PEG (NY)0.64
PEG (5Y)5.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 5.76% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 9.83% | ||
| GM | N/A | ||
| FCFM | 9.71% |
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 | 4.15 | ||
| Debt/FCF | 73.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 57.2% | ||
| Cap/Sales | 4.21% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 98.73% | ||
| 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)767.82%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%-1.92%
EPS Next Y36.87%
EPS Next 2Y41.54%
EPS Next 3Y38.58%
EPS Next 5Y27.74%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%-5.78%
Revenue Next Year-2.09%
Revenue Next 2Y0.14%
Revenue Next 3Y1.37%
Revenue Next 5Y1.67%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1.88%
EBIT Next 3Y23.72%
EBIT Next 5YN/A
FCF growth 1Y112.6%
FCF growth 3Y-64.98%
FCF growth 5Y-41.22%
OCF growth 1Y118.85%
OCF growth 3Y-52.92%
OCF growth 5Y-30.14%