UBS GROUP AG-REG (UBS) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:UBS - CH0244767585 - Common Stock
47.27 USD
+0.06 (+0.13%)
47.27 USD
0 (0%)
UBS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 238 industry peers in the Capital Markets industry. Both the profitability and financial health of UBS have multiple concerns. UBS is not valued too expensively and it also shows a decent 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.
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
UBS has a worse Return On Assets (0.45%) than 71.43% 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 has a Profit Margin of 14.19%. This is comparable to the rest of the industry: UBS outperforms 49.16% of its industry peers.
UBS's Profit Margin has declined in the last couple of years.
The Operating Margin and Gross Margin are not available for UBS so they could not be analyzed.
| 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.
The debt/assets ratio for UBS has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of UBS is 180.19, which is on the high side as it means it would take UBS, 180.19 years of fcf income to pay off all of its debts.
UBS has a Debt to FCF ratio (180.19) which is in line with its industry peers.
A Debt/Equity ratio of 4.12 is on the high side and indicates that UBS has dependencies on debt financing.
The Debt to Equity ratio of UBS (4.12) is worse than 84.45% 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
UBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 85.00%, which is quite impressive.
The Earnings Per Share has been growing slightly by 3.99% on average over the past years.
UBS shows a small growth in Revenue. In the last year, the Revenue has grown by 2.64%.
The Revenue has been growing by 10.83% on average over the past years. This is quite good.
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.
Based on estimates for the next years, UBS will show a small growth in Revenue. The Revenue will grow by 2.78% on average per year.
EPS Next Y70.66%
EPS Next 2Y49.09%
EPS Next 3Y40.93%
EPS Next 5Y24.84%
Revenue Next Year1.55%
Revenue Next 2Y2.54%
Revenue Next 3Y2.92%
Revenue Next 5Y2.78%
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
UBS is valuated rather expensively with a Price/Earnings ratio of 21.29.
The rest of the industry has a similar Price/Earnings ratio as UBS.
UBS is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.57, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 13.99, the valuation of UBS can be described as correct.
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 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.29 | ||
| Fwd PE | 13.99 |
4.2 Price Multiples
UBS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 76.75 | ||
| 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.
UBS's earnings are expected to grow with 40.93% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.3
PEG (5Y)5.34
EPS Next 2Y49.09%
EPS Next 3Y40.93%
5. Dividend
5.1 Amount
UBS has a Yearly Dividend Yield of 1.99%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 6.43, UBS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.88, UBS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.99% |
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 39.06% of its income as dividend. This is a sustainable payout ratio.
The dividend of UBS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.06%
EPS Next 2Y49.09%
EPS Next 3Y40.93%
47.27
+0.06 (+0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners59%
Inst Owner Change1.88%
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap157.96B
Revenue(TTM)51.71B
Net Income(TTM)7.34B
Analysts76
Price Target43.5 (-7.98%)
Short Float %0.35%
Short Ratio5.69
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.99% |
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)2.1%
PT rev (3m)5.04%
EPS NQ rev (1m)-0.35%
EPS NQ rev (3m)1.64%
EPS NY rev (1m)6.53%
EPS NY rev (3m)14.29%
Revenue NQ rev (1m)1.02%
Revenue NQ rev (3m)2.64%
Revenue NY rev (1m)0.55%
Revenue NY rev (3m)1.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.29 | ||
| Fwd PE | 13.99 | ||
| P/S | 3.05 | ||
| P/FCF | 76.75 | ||
| P/OCF | 36.79 | ||
| P/B | 1.76 | ||
| P/tB | 1.9 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.22
EY4.7%
EPS(NY)3.38
Fwd EY7.15%
FCF(TTM)0.62
FCFY1.3%
OCF(TTM)1.29
OCFY2.72%
SpS15.48
BVpS26.9
TBVpS24.81
PEG (NY)0.3
PEG (5Y)5.34
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 Y70.66%
EPS Next 2Y49.09%
EPS Next 3Y40.93%
EPS Next 5Y24.84%
Revenue 1Y (TTM)2.64%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%3.45%
Revenue Next Year1.55%
Revenue Next 2Y2.54%
Revenue Next 3Y2.92%
Revenue Next 5Y2.78%
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-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 4 / 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 21.29 and the Price/Book (PB) ratio is 1.76.
How financially healthy is UBS GROUP AG-REG?
The financial health rating of UBS GROUP AG-REG (UBS) is 2 / 10.