UBS GROUP AG-REG (UBS) Stock Fundamental Analysis
NYSE:UBS - New York Stock Exchange, Inc. - CH0244767585 - Common Stock - Currency: USD
Overall UBS gets a fundamental rating of 4 out of 10. We evaluated UBS against 233 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 correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year UBS was profitable.
UBS had a positive operating cash flow in the past year.
In the past 5 years UBS has always been profitable.
Each year in the past 5 years UBS had a positive operating cash flow.
1.2 Ratios
UBS's Return On Assets of 0.33% is on the low side compared to the rest of the industry. UBS is outperformed by 71.24% of its industry peers.
UBS's Return On Equity of 5.76% is in line compared to the rest of the industry. UBS outperforms 41.20% of its industry peers.
| 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
UBS has a Profit Margin (9.83%) which is comparable to the rest of the industry.
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 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
Compared to 1 year ago, UBS has less shares outstanding
UBS has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, UBS has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of UBS is 73.01, which is on the high side as it means it would take UBS, 73.01 years of fcf income to pay off all of its debts.
UBS has a Debt to FCF ratio (73.01) which is in line with its industry peers.
A Debt/Equity ratio of 4.15 is on the high side and indicates that UBS has dependencies on debt financing.
UBS has a Debt to Equity ratio of 4.15. This is amonst the worse of the industry: UBS underperforms 84.98% of its industry peers.
| 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
UBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 767.82%, 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.
Looking at the last year, UBS shows a quite strong growth in Revenue. The Revenue has grown by 8.30% in the last year.
UBS 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%-1.43%
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
Based on estimates for the next years, UBS will show a small growth in Revenue. The Revenue will grow by 1.67% on average per year.
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
Based on the Price/Earnings ratio of 23.03, the valuation of UBS can be described as rather expensive.
60.94% of the companies in the same industry are cheaper than UBS, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of UBS to the average of the S&P500 Index (27.28), we can say UBS is valued inline with the index average.
With a Price/Forward Earnings ratio of 11.42, the valuation of UBS can be described as very reasonable.
Based on the Price/Forward Earnings ratio, UBS is valued a bit cheaper than 64.81% of the companies in the same industry.
UBS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 21.76.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.03 | ||
| Fwd PE | 11.42 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as UBS.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 23.43 | ||
| EV/EBITDA | N/A |
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 38.58% in the coming years.
PEG (NY)0.62
PEG (5Y)5.77
EPS Next 2Y41.54%
EPS Next 3Y38.58%
5. Dividend
5.1 Amount
UBS has a Yearly Dividend Yield of 2.78%. Purely for dividend investing, there may be better candidates out there.
UBS's Dividend Yield is comparable with the industry average which is at 8.00.
Compared to an average S&P500 Dividend Yield of 2.42, UBS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.78% |
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
5.3 Sustainability
UBS pays out 44.91% 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.
DP44.91%
EPS Next 2Y41.54%
EPS Next 3Y38.58%
34.77
+1 (+2.96%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners57.66%
Inst Owner Change-2.4%
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap116.19B
Analysts73.6
Price Target36.13 (3.91%)
Short Float %0.23%
Short Ratio2.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.78% |
Yearly Dividend0.71
Dividend Growth(5Y)0.29%
DP44.91%
Div Incr Years4
Div Non Decr Years4
Ex-Date
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)-0.83%
Min Revenue beat(4)-5.19%
Max Revenue beat(4)2.62%
Revenue beat(8)5
Avg Revenue beat(8)1.37%
Revenue beat(12)9
Avg Revenue beat(12)1.83%
Revenue beat(16)13
Avg Revenue beat(16)4.4%
PT rev (1m)1.06%
PT rev (3m)-2.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.64%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.62%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 23.03 | ||
| Fwd PE | 11.42 | ||
| P/S | 2.27 | ||
| P/FCF | 23.43 | ||
| P/OCF | 16.34 | ||
| P/B | 1.33 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.51
EY4.34%
EPS(NY)3.05
Fwd EY8.76%
FCF(TTM)1.48
FCFY4.27%
OCF(TTM)2.13
OCFY6.12%
SpS15.29
BVpS26.09
TBVpS24.02
PEG (NY)0.62
PEG (5Y)5.77
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%-1.43%
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%