Logo image of UBS

UBS GROUP AG-REG (UBS) Stock Fundamental Analysis

USA - NYSE:UBS - CH0244767585 - Common Stock

38.87 USD
-0.21 (-0.54%)
Last: 10/16/2025, 8:18:59 PM
38.8 USD
-0.07 (-0.18%)
After Hours: 10/16/2025, 8:18:59 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to UBS. UBS was compared to 237 industry peers in the Capital Markets industry. UBS may be in some trouble as it scores bad on both profitability and health. UBS has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

1. Profitability

1.1 Basic Checks

UBS had positive earnings in the past year.
In the past year UBS had a positive cash flow from operations.
UBS had positive earnings in each of the past 5 years.
In the past 5 years UBS always reported a positive cash flow from operatings.
UBS Yearly Net Income VS EBIT VS OCF VS FCFUBS 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

UBS has a worse Return On Assets (0.38%) than 73.00% of its industry peers.
UBS has a Return On Equity (7.04%) which 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
UBS Yearly ROA, ROE, ROICUBS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

UBS has a Profit Margin of 12.25%. This is comparable to the rest of the industry: UBS outperforms 44.73% of its industry peers.
In the last couple of years the Profit Margin of UBS has declined.
UBS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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
UBS Yearly Profit, Operating, Gross MarginsUBS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

More info and screens

2

2. Health

2.1 Basic Checks

UBS has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, UBS has less shares outstanding
UBS has a better debt/assets ratio than last year.
UBS Yearly Shares OutstandingUBS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
UBS Yearly Total Debt VS Total AssetsUBS 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

UBS has a debt to FCF ratio of 37.17. This is a negative value and a sign of low solvency as UBS would need 37.17 years to pay back of all of its debts.
UBS has a Debt to FCF ratio (37.17) which is in line with its industry peers.
UBS has a Debt/Equity ratio of 4.21. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 4.21, UBS is doing worse than 84.81% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.21
Debt/FCF 37.17
Altman-Z N/A
ROIC/WACCN/A
WACCN/A
UBS Yearly LT Debt VS Equity VS FCFUBS 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
UBS Yearly Current Assets VS Current LiabilitesUBS 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

More info and screens

6

3. Growth

3.1 Past

UBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 256.60%, which is quite impressive.
UBS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.99% yearly.
UBS shows a small growth in Revenue. In the last year, the Revenue has grown by 3.14%.
The Revenue has been growing by 10.83% on average over the past years. This is quite good.
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%1.75%

3.2 Future

UBS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 27.38% yearly.
UBS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.98% yearly.
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.
UBS Yearly Revenue VS EstimatesUBS 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
UBS Yearly EPS VS EstimatesUBS 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

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 20.57, UBS is valued on the expensive side.
UBS's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of UBS to the average of the S&P500 Index (27.31), we can say UBS is valued slightly cheaper.
A Price/Forward Earnings ratio of 12.08 indicates a correct valuation of UBS.
UBS's Price/Forward Earnings ratio is in line with the industry average.
UBS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.85, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 20.57
Fwd PE 12.08
UBS Price Earnings VS Forward Price EarningsUBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

67.09% of the companies in the same industry are more expensive than UBS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 12.85
EV/EBITDA N/A
UBS Per share dataUBS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

UBS'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 UBS's earnings are expected to grow with 39.61% in the coming years.
PEG (NY)0.4
PEG (5Y)5.16
EPS Next 2Y45.48%
EPS Next 3Y39.61%

More info and screens

5

5. Dividend

5.1 Amount

UBS has a Yearly Dividend Yield of 2.27%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 8.29, UBS is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.40, UBS has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.27%

5.2 History

The dividend of UBS has a limited annual growth rate of 0.29%.
UBS has paid a dividend for at least 10 years, which is a reliable track record.
UBS has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)0.29%
Div Incr Years4
Div Non Decr Years4
UBS Yearly Dividends per shareUBS Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

UBS pays out 45.62% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of UBS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP45.62%
EPS Next 2Y45.48%
EPS Next 3Y39.61%
UBS Yearly Income VS Free CF VS DividendUBS 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
UBS Dividend Payout.UBS Dividend Payout, showing the Payout Ratio.UBS Dividend Payout.PayoutRetained Earnings

More info and screens

UBS GROUP AG-REG

NYSE:UBS (10/16/2025, 8:18:59 PM)

After market: 38.8 -0.07 (-0.18%)

38.87

-0.21 (-0.54%)

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 Owners55.07%
Inst Owner Change-0.01%
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap129.89B
Analysts76.8
Price Target41.46 (6.66%)
Short Float %0.22%
Short Ratio3.91
Dividend
Industry RankSector Rank
Dividend Yield 2.27%
Yearly Dividend0.71
Dividend Growth(5Y)0.29%
DP45.62%
Div Incr Years4
Div Non Decr Years4
Ex-Date04-15 2025-04-15 (0.367807)
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)-2.29%
Min Revenue beat(4)-5.19%
Max Revenue beat(4)2.62%
Revenue beat(8)4
Avg Revenue beat(8)-0.34%
Revenue beat(12)8
Avg Revenue beat(12)1.11%
Revenue beat(16)12
Avg Revenue beat(16)3.68%
PT rev (1m)2.66%
PT rev (3m)14.74%
EPS NQ rev (1m)3.34%
EPS NQ rev (3m)12.05%
EPS NY rev (1m)1.73%
EPS NY rev (3m)10.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.39%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)2.37%
Valuation
Industry RankSector Rank
PE 20.57
Fwd PE 12.08
P/S 2.53
P/FCF 12.85
P/OCF 10.55
P/B 1.45
P/tB 1.58
EV/EBITDA N/A
EPS(TTM)1.89
EY4.86%
EPS(NY)3.22
Fwd EY8.28%
FCF(TTM)3.02
FCFY7.78%
OCF(TTM)3.68
OCFY9.48%
SpS15.34
BVpS26.72
TBVpS24.62
PEG (NY)0.4
PEG (5Y)5.16
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
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 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%1.75%
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%