UBS GROUP AG-REG (UBS) Stock Fundamental Analysis
USA - NYSE:UBS - CH0244767585 - Common Stock
38.25 USD
-0.67 (-1.72%)
38.2503 USD
0 (0%)
UBS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 237 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.
1. Profitability
1.1 Basic Checks
In the past year UBS was profitable.
In the past year UBS had a positive cash flow from operations.
Each year in the past 5 years UBS has been profitable.
UBS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
UBS's Return On Assets of 0.45% is on the low side compared to the rest of the industry. UBS is outperformed by 71.73% of its industry peers.
UBS has a Return On Equity (8.16%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 8.16% | ||
| 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 14.19% is in line compared to the rest of the industry. UBS outperforms 49.37% 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) | 14.19% | ||
| 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
UBS has less shares outstanding than it did 1 year ago.
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
UBS has a debt to FCF ratio of 180.19. This is a negative value and a sign of low solvency as UBS would need 180.19 years to pay back of all of its debts.
With a Debt to FCF ratio value of 180.19, UBS perfoms like the industry average, outperforming 43.46% of the companies in the same industry.
A Debt/Equity ratio of 4.12 is on the high side and indicates that UBS has dependencies on debt financing.
UBS has a Debt to Equity ratio of 4.12. This is amonst the worse of the industry: UBS underperforms 84.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.12 | ||
| Debt/FCF | 180.19 | ||
| 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 85.00% over the past year.
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 2.64%.
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)85%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%76.74%
Revenue 1Y (TTM)2.64%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%3.45%
3.2 Future
UBS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.84% yearly.
UBS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.78% yearly.
EPS Next Y60.2%
EPS Next 2Y46.74%
EPS Next 3Y39.13%
EPS Next 5Y24.84%
Revenue Next Year1%
Revenue Next 2Y2.25%
Revenue Next 3Y2.78%
Revenue Next 5Y2.78%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 17.23, UBS is valued on the expensive side.
UBS's Price/Earnings is on the same level as the industry average.
UBS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.56.
A Price/Forward Earnings ratio of 11.69 indicates a reasonable valuation of UBS.
UBS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UBS is cheaper than 62.03% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.62, UBS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.23 | ||
| Fwd PE | 11.69 |
4.2 Price Multiples
UBS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 62.11 | ||
| 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 39.13% in the coming years.
PEG (NY)0.29
PEG (5Y)4.32
EPS Next 2Y46.74%
EPS Next 3Y39.13%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.35%, UBS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 8.48, UBS has a dividend in line with its industry peers.
UBS's Dividend Yield is comparable with the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.35% |
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
39.06% of the earnings are spent on dividend by UBS. This is a low number and sustainable payout ratio.
UBS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP39.06%
EPS Next 2Y46.74%
EPS Next 3Y39.13%
38.25
-0.67 (-1.72%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners55.07%
Inst Owner Change1.89%
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap127.82B
Revenue(TTM)51.71B
Net Income(TTM)7.34B
Analysts76.8
Price Target42.61 (11.4%)
Short Float %0.3%
Short Ratio5.53
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.35% |
Yearly Dividend0.71
Dividend Growth(5Y)0.29%
DP39.06%
Div Incr Years4
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)19.4%
Min EPS beat(2)-1.54%
Max EPS beat(2)40.34%
EPS beat(4)1
Avg EPS beat(4)2.26%
Min EPS beat(4)-25.26%
Max EPS beat(4)40.34%
EPS beat(8)4
Avg EPS beat(8)-2.9%
EPS beat(12)5
Avg EPS beat(12)-30.18%
EPS beat(16)9
Avg EPS beat(16)-17.85%
Revenue beat(2)0
Avg Revenue beat(2)-2.98%
Min Revenue beat(2)-4.59%
Max Revenue beat(2)-1.36%
Revenue beat(4)0
Avg Revenue beat(4)-3.29%
Min Revenue beat(4)-5.19%
Max Revenue beat(4)-1.36%
Revenue beat(8)3
Avg Revenue beat(8)-1%
Revenue beat(12)7
Avg Revenue beat(12)0.76%
Revenue beat(16)11
Avg Revenue beat(16)2.82%
PT rev (1m)2.77%
PT rev (3m)10.44%
EPS NQ rev (1m)-4.69%
EPS NQ rev (3m)7.28%
EPS NY rev (1m)5.45%
EPS NY rev (3m)17.04%
Revenue NQ rev (1m)1.18%
Revenue NQ rev (3m)3.95%
Revenue NY rev (1m)0.76%
Revenue NY rev (3m)2.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.23 | ||
| Fwd PE | 11.69 | ||
| P/S | 2.47 | ||
| P/FCF | 62.11 | ||
| P/OCF | 29.77 | ||
| P/B | 1.42 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.22
EY5.8%
EPS(NY)3.27
Fwd EY8.56%
FCF(TTM)0.62
FCFY1.61%
OCF(TTM)1.29
OCFY3.36%
SpS15.48
BVpS26.9
TBVpS24.81
PEG (NY)0.29
PEG (5Y)4.32
Graham Number36.66
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.45% | ||
| ROE | 8.16% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 14.19% | ||
| GM | N/A | ||
| FCFM | 3.98% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.12 | ||
| Debt/FCF | 180.19 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 61.14% | ||
| Cap/Sales | 4.32% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 28.05% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
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)85%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%76.74%
EPS Next Y60.2%
EPS Next 2Y46.74%
EPS Next 3Y39.13%
EPS Next 5Y24.84%
Revenue 1Y (TTM)2.64%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%3.45%
Revenue Next Year1%
Revenue Next 2Y2.25%
Revenue Next 3Y2.78%
Revenue Next 5Y2.78%
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-95.53%
FCF growth 3Y-64.98%
FCF growth 5Y-41.22%
OCF growth 1Y-91.01%
OCF growth 3Y-52.92%
OCF growth 5Y-30.14%
UBS GROUP AG-REG / UBS FAQ
What is the fundamental rating for UBS stock?
ChartMill assigns a fundamental rating of 4 / 10 to UBS.
What is the valuation status of UBS GROUP AG-REG (UBS) stock?
ChartMill assigns a valuation rating of 5 / 10 to UBS GROUP AG-REG (UBS). This can be considered as Fairly Valued.
How profitable is UBS GROUP AG-REG (UBS) stock?
UBS GROUP AG-REG (UBS) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for UBS stock?
The Price/Earnings (PE) ratio for UBS GROUP AG-REG (UBS) is 17.23 and the Price/Book (PB) ratio is 1.42.
How financially healthy is UBS GROUP AG-REG?
The financial health rating of UBS GROUP AG-REG (UBS) is 2 / 10.