UBS Fundamental Analysis - UBS GROUP AG-REG

Fundamental Rating

Overall UBS gets a fundamental rating of 4 out of 10. We evaluated UBS against 238 industry peers in the Capital Markets industry. Both the profitability and financial health of UBS have multiple concerns. UBS has a correct valuation and a medium growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

In the past year UBS was profitable.

UBS had a positive operating cash flow in the past year.

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.

1.2 Ratios

The Return On Assets of UBS (0.38%) is worse than 72.27% of its industry peers.

UBS has a Return On Equity (7.04%) which 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

UBS's Profit Margin of 12.25% is in line compared to the rest of the industry. UBS outperforms 44.12% of its industry peers.

UBS's Profit Margin has declined in the last couple of years.

UBS 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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

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.

The Debt to FCF ratio of UBS (37.17) is comparable to the rest of the industry.

UBS 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, UBS is not doing good in the industry: 84.45% 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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 256.60% over the past year.

The Earnings Per Share has been growing slightly by 3.99% on average over the past years.

The Revenue has been growing slightly by 3.14% in the past year.

Measured over the past years, UBS 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%1.75%

3.2 Future

The Earnings Per Share is expected to grow by 24.75% on average over the next years. This is a very strong growth

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 Year0%

Revenue Next 2Y1.6%

Revenue Next 3Y2.41%

Revenue Next 5Y2.76%

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

UBS is valuated rather expensively with a Price/Earnings ratio of 22.38.

The rest of the industry has a similar Price/Earnings ratio as UBS.

When comparing the Price/Earnings ratio of UBS to the average of the S&P500 Index (27.38), we can say UBS is valued inline with the index average.

UBS is valuated correctly with a Price/Forward Earnings ratio of 13.19.

UBS's Price/Forward Earnings ratio is in line with the industry average.

The average S&P500 Price/Forward Earnings ratio is at 22.86. UBS is valued slightly cheaper when compared to this.

		Industry Rank	Sector Rank
PE	22.38
Fwd PE	13.19

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, UBS is valued a bit cheaper than the industry average as 66.39% of the companies are valued more expensively.

		Industry Rank	Sector Rank
P/FCF	13.98
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 UBS's earnings are expected to grow with 38.95% in the coming years.

PEG (NY)0.45

PEG (5Y)5.61

EPS Next 2Y45.24%

EPS Next 3Y38.95%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

UBS has a Yearly Dividend Yield of 2.24%. Purely for dividend investing, there may be better candidates out there.

UBS's Dividend Yield is comparable with the industry average which is at 8.23.

Compared to an average S&P500 Dividend Yield of 2.38, UBS has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.24%

5.2 History

The dividend of UBS has a limited annual growth rate of 0.29%.

UBS has been paying a dividend for at least 10 years, so it has 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

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.

UBS's earnings are growing more than its dividend. This makes the dividend growth sustainable.

DP45.62%

EPS Next 2Y45.24%

EPS Next 3Y38.95%

More info and screens

Find the best dividend stocks

Show peers with best dividend

UBS GROUP AG-REG

NYSE:UBS (9/19/2025, 8:04:00 PM)

After market: 42.29 0 (0%)

42.29

+0.76 (+1.83%)

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 Change-7.22%

Ins Owners0.04%

Ins Owner ChangeN/A

Market Cap141.32B

Analysts76.8

Price Target41.42 (-2.06%)

Short Float %0.26%

Short Ratio4.29

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.24%

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)7.35%

PT rev (3m)14.61%

EPS NQ rev (1m)2.11%

EPS NQ rev (3m)-8.26%

EPS NY rev (1m)0%

EPS NY rev (3m)9.1%

Revenue NQ rev (1m)1.05%

Revenue NQ rev (3m)4.83%

Revenue NY rev (1m)0.19%

Revenue NY rev (3m)2.14%

Valuation

		Industry Rank	Sector Rank
PE	22.38
Fwd PE	13.19
P/S	2.76
P/FCF	13.98
P/OCF	11.48
P/B	1.58
P/tB	1.72
EV/EBITDA	N/A

EPS(TTM)1.89

EY4.47%

EPS(NY)3.21

Fwd EY7.58%

FCF(TTM)3.02

FCFY7.15%

OCF(TTM)3.68

OCFY8.71%

SpS15.34

BVpS26.72

TBVpS24.62

PEG (NY)0.45

PEG (5Y)5.61

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%1.75%

Revenue Next Year0%

Revenue Next 2Y1.6%

Revenue Next 3Y2.41%

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 (UBS) 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