UBS GROUP AG-REG (0UB.DE) Stock Fundamental Analysis
Europe - FRA:0UB - CH0244767585 - Common Stock
32.85 EUR
-0.11 (-0.33%)
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.
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.
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 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 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 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
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.
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 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 |
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.
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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 20.15 | ||
| Fwd PE | 11.86 |
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.61 | ||
| 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 39.61% in the coming years.
PEG (NY)0.39
PEG (5Y)5.05
EPS Next 2Y45.48%
EPS Next 3Y39.61%
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 Rank | Sector 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%
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)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 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
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 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 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.