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

FRA:0UB • CH0244767585

Current stock price

37.08 EUR
+1.17 (+3.26%)
Last:

This 0UB.DE fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. 0UB.DE Profitability Analysis

1.1 Basic Checks

  • 0UB had positive earnings in the past year.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B -40B 60B 80B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.48%, 0UB is in line with its industry, outperforming 48.70% of the companies in the same industry.
  • 0UB has a Return On Equity of 8.61%. This is comparable to the rest of the industry: 0UB outperforms 60.00% of its industry peers.
Industry RankSector Rank
ROA 0.48%
ROE 8.61%
ROIC N/A
ROA(3y)0.8%
ROA(5y)0.75%
ROE(3y)15.52%
ROE(5y)14.45%
ROIC(3y)N/A
ROIC(5y)N/A
0UB.DE Yearly ROA, ROE, ROIC0UB.DE Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

1.3 Margins

  • 0UB has a Profit Margin of 14.87%. This is comparable to the rest of the industry: 0UB outperforms 59.13% 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) 14.87%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.92%
PM growth 5Y-4.6%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60

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2

2. 0UB.DE Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, 0UB has less shares outstanding
  • 0UB has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for 0UB has been reduced compared to a year ago.
0UB.DE Yearly Shares Outstanding0UB.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B
0UB.DE Yearly Total Debt VS Total Assets0UB.DE Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T

2.2 Solvency

  • 0UB has a debt to FCF ratio of 18.83. This is a negative value and a sign of low solvency as 0UB would need 18.83 years to pay back of all of its debts.
  • 0UB has a better Debt to FCF ratio (18.83) than 63.48% of its industry peers.
  • 0UB has a Debt/Equity ratio of 4.06. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 4.06, 0UB is not doing good in the industry: 65.22% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 4.06
Debt/FCF 18.83
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50B 100B 150B 200B

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6

3. 0UB.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 55.26% 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 5.80% on average per year.
  • Looking at the last year, 0UB shows a small growth in Revenue. The Revenue has grown by 2.03% in the last year.
  • Measured over the past years, 0UB shows a quite strong growth in Revenue. The Revenue has been growing by 8.43% on average per year.
EPS 1Y (TTM)55.26%
EPS 3Y1.75%
EPS 5Y5.8%
EPS Q2Q%60.87%
Revenue 1Y (TTM)2.03%
Revenue growth 3Y12.93%
Revenue growth 5Y8.43%
Sales Q2Q%4.38%

3.2 Future

  • The Earnings Per Share is expected to grow by 22.17% 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 3.74% on average per year.
EPS Next Y42.55%
EPS Next 2Y33.27%
EPS Next 3Y26.75%
EPS Next 5Y22.17%
Revenue Next Year5.62%
Revenue Next 2Y4.21%
Revenue Next 3Y4.04%
Revenue Next 5Y3.74%

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 2 4 6

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6

4. 0UB.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 18.36 indicates a rather expensive valuation of 0UB.
  • 66.09% 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 26.77.
  • A Price/Forward Earnings ratio of 12.90 indicates a correct valuation of 0UB.
  • 0UB's Price/Forward Earnings ratio is rather cheap when compared to the industry. 0UB is cheaper than 81.74% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 21.75. 0UB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.36
Fwd PE 12.9
0UB.DE Price Earnings VS Forward Price Earnings0UB.DE Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 94.78% of the companies in the same industry are more expensive than 0UB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.44
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

  • 0UB's 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 26.75% in the coming years.
PEG (NY)0.43
PEG (5Y)3.16
EPS Next 2Y33.27%
EPS Next 3Y26.75%

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6

5. 0UB.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.63%, 0UB has a reasonable but not impressive dividend return.
  • 0UB's Dividend Yield is a higher than the industry average which is at 3.11.
  • Compared to an average S&P500 Dividend Yield of 1.82, 0UB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.63%

5.2 History

  • The dividend of 0UB has a limited annual growth rate of 4.69%.
Dividend Growth(5Y)4.69%
Div Incr Years0
Div Non Decr Years0
0UB.DE Yearly Dividends per share0UB.DE Yearly Dividends per shareYearly Dividends per share 2026 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

  • 36.90% of the earnings are spent on dividend by 0UB. This is a low number and sustainable payout ratio.
  • 0UB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP36.9%
EPS Next 2Y33.27%
EPS Next 3Y26.75%
0UB.DE Yearly Income VS Free CF VS Dividend0UB.DE Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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

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0UB.DE Fundamentals: All Metrics, Ratios and Statistics

UBS GROUP AG-REG

FRA:0UB (4/29/2026, 7:00:00 PM)

37.08

+1.17 (+3.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)02-04
Earnings (Next)04-29
Inst Owners58.31%
Inst Owner ChangeN/A
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap123.91B
Revenue(TTM)52.24B
Net Income(TTM)7.77B
Analysts76.92
Price Target42.2 (13.81%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.63%
Yearly Dividend0.78
Dividend Growth(5Y)4.69%
DP36.9%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.41%
Min EPS beat(2)-31.52%
Max EPS beat(2)40.34%
EPS beat(4)1
Avg EPS beat(4)0.7%
Min EPS beat(4)-31.52%
Max EPS beat(4)40.34%
EPS beat(8)4
Avg EPS beat(8)13.76%
EPS beat(12)4
Avg EPS beat(12)-36.35%
EPS beat(16)8
Avg EPS beat(16)-21.02%
Revenue beat(2)0
Avg Revenue beat(2)-1.76%
Min Revenue beat(2)-2.16%
Max Revenue beat(2)-1.36%
Revenue beat(4)0
Avg Revenue beat(4)-3.33%
Min Revenue beat(4)-5.19%
Max Revenue beat(4)-1.36%
Revenue beat(8)3
Avg Revenue beat(8)1.06%
Revenue beat(12)7
Avg Revenue beat(12)3.06%
Revenue beat(16)11
Avg Revenue beat(16)3.57%
PT rev (1m)0.44%
PT rev (3m)12.66%
EPS NQ rev (1m)-2.08%
EPS NQ rev (3m)1.32%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)-1.24%
Revenue NQ rev (1m)-2.66%
Revenue NQ rev (3m)3.98%
Revenue NY rev (1m)0.49%
Revenue NY rev (3m)1.66%
Valuation
Industry RankSector Rank
PE 18.36
Fwd PE 12.9
P/S 2.78
P/FCF 7.44
P/OCF 6.64
P/B 1.61
P/tB 1.74
EV/EBITDA N/A
EPS(TTM)2.02
EY5.45%
EPS(NY)2.87
Fwd EY7.75%
FCF(TTM)4.98
FCFY13.44%
OCF(TTM)5.59
OCFY15.07%
SpS13.36
BVpS23.06
TBVpS21.29
PEG (NY)0.43
PEG (5Y)3.16
Graham Number32.3759 (-12.69%)
Profitability
Industry RankSector Rank
ROA 0.48%
ROE 8.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.87%
GM N/A
FCFM 37.31%
ROA(3y)0.8%
ROA(5y)0.75%
ROE(3y)15.52%
ROE(5y)14.45%
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-10.92%
PM growth 5Y-4.6%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 4.06
Debt/FCF 18.83
Debt/EBITDA N/A
Cap/Depr 66.93%
Cap/Sales 4.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 250.92%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)54.91%
Cap/Depr(5y)66.36%
Cap/Sales(3y)4.12%
Cap/Sales(5y)4.36%
Profit Quality(3y)194.76%
Profit Quality(5y)230.29%
High Growth Momentum
Growth
EPS 1Y (TTM)55.26%
EPS 3Y1.75%
EPS 5Y5.8%
EPS Q2Q%60.87%
EPS Next Y42.55%
EPS Next 2Y33.27%
EPS Next 3Y26.75%
EPS Next 5Y22.17%
Revenue 1Y (TTM)2.03%
Revenue growth 3Y12.93%
Revenue growth 5Y8.43%
Sales Q2Q%4.38%
Revenue Next Year5.62%
Revenue Next 2Y4.21%
Revenue Next 3Y4.04%
Revenue Next 5Y3.74%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year44%
EBIT Next 3Y30.12%
EBIT Next 5YN/A
FCF growth 1Y1433.36%
FCF growth 3Y14.44%
FCF growth 5Y-11.1%
OCF growth 1Y566.39%
OCF growth 3Y14.26%
OCF growth 5Y-9.98%

UBS GROUP AG-REG / 0UB.DE Fundamental Analysis 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 6 / 10 to UBS GROUP AG-REG (0UB.DE). This can be considered as Fairly Valued.


Can you provide the profitability details for UBS GROUP AG-REG?

UBS GROUP AG-REG (0UB.DE) has a profitability rating of 3 / 10.


Can you provide the expected EPS growth for 0UB stock?

The Earnings per Share (EPS) of UBS GROUP AG-REG (0UB.DE) is expected to grow by 42.55% in the next year.


How sustainable is the dividend of UBS GROUP AG-REG (0UB.DE) stock?

The dividend rating of UBS GROUP AG-REG (0UB.DE) is 6 / 10 and the dividend payout ratio is 36.9%.