UBS GROUP AG-REG (UBS) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:UBS • CH0244767585

44.85 USD
-2.82 (-5.92%)
At close: Feb 4, 2026
45 USD
+0.15 (+0.33%)
After Hours: 2/4/2026, 8:04:00 PM
Fundamental Rating

4

Taking everything into account, UBS scores 4 out of 10 in our fundamental rating. UBS was compared to 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.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • UBS had positive earnings in the past year.
  • UBS had a positive operating cash flow in the past year.
  • In the past 5 years UBS has always been profitable.
  • UBS had a positive operating cash flow in each of the past 5 years.
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 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 (0.45%) than 74.37% of its industry peers.
  • UBS's Return On Equity of 8.16% is in line compared to the rest of the industry. UBS outperforms 50.84% of its industry peers.
Industry RankSector 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
UBS Yearly ROA, ROE, ROICUBS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

  • The Profit Margin of UBS (14.19%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of UBS has declined.
  • The Operating Margin and Gross Margin are not available for UBS so they could not be analyzed.
Industry RankSector 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
UBS Yearly Profit, Operating, Gross MarginsUBS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

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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
  • The debt/assets ratio for UBS has been reduced compared to a year ago.
UBS Yearly Shares OutstandingUBS Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T

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 comparable to the rest of the industry.
  • UBS has a Debt/Equity ratio of 4.12. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 4.12, UBS is not doing good in the industry: 83.19% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 4.12
Debt/FCF 180.19
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 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

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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 85.00%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 3.99% on average over the past years.
  • The Revenue has been growing slightly by 2.64% 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)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

  • Based on estimates for the next years, UBS will show a very strong growth in Earnings Per Share. The EPS will grow by 24.68% on average per year.
  • UBS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.70% yearly.
EPS Next Y72.21%
EPS Next 2Y49.7%
EPS Next 3Y41.02%
EPS Next 5Y24.68%
Revenue Next Year1.84%
Revenue Next 2Y2.78%
Revenue Next 3Y3.06%
Revenue Next 5Y2.7%

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 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 0 2 4 6

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4

4. Valuation

4.1 Price/Earnings Ratio

  • UBS is valuated rather expensively with a Price/Earnings ratio of 20.20.
  • UBS's Price/Earnings ratio is a bit more expensive when compared to the industry. UBS is more expensive than 64.29% of the companies in the same industry.
  • UBS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 28.25.
  • Based on the Price/Forward Earnings ratio of 13.17, the valuation of UBS can be described as correct.
  • UBS's Price/Forward Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.50, UBS is valued rather cheaply.
Industry RankSector Rank
PE 20.2
Fwd PE 13.17
UBS Price Earnings VS Forward Price EarningsUBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • UBS's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 72.82
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

  • 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 41.02% in the coming years.
PEG (NY)0.28
PEG (5Y)5.07
EPS Next 2Y49.7%
EPS Next 3Y41.02%

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5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.01%, UBS has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 6.02, UBS has a dividend in line with its industry peers.
  • UBS's Dividend Yield is comparable with the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 2.01%

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
UBS Yearly Dividends per shareUBS Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

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 2Y49.7%
EPS Next 3Y41.02%
UBS Yearly Income VS Free CF VS DividendUBS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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

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UBS GROUP AG-REG

NYSE:UBS (2/4/2026, 8:04:00 PM)

After market: 45 +0.15 (+0.33%)

44.85

-2.82 (-5.92%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-29
Earnings (Next)02-04
Inst Owners58.99%
Inst Owner Change-12.86%
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap149.87B
Revenue(TTM)51.71B
Net Income(TTM)7.34B
Analysts77.6
Price Target43.5 (-3.01%)
Short Float %0.37%
Short Ratio5.59
Dividend
Industry RankSector Rank
Dividend Yield 2.01%
Yearly Dividend0.71
Dividend Growth(5Y)0.29%
DP39.06%
Div Incr Years4
Div Non Decr Years4
Ex-DateN/A
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)0%
PT rev (3m)1.94%
EPS NQ rev (1m)-0.44%
EPS NQ rev (3m)-4.38%
EPS NY rev (1m)-2.41%
EPS NY rev (3m)13.36%
Revenue NQ rev (1m)-3.94%
Revenue NQ rev (3m)-3.25%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.6%
Valuation
Industry RankSector Rank
PE 20.2
Fwd PE 13.17
P/S 2.9
P/FCF 72.82
P/OCF 34.9
P/B 1.67
P/tB 1.81
EV/EBITDA N/A
EPS(TTM)2.22
EY4.95%
EPS(NY)3.41
Fwd EY7.6%
FCF(TTM)0.62
FCFY1.37%
OCF(TTM)1.29
OCFY2.87%
SpS15.48
BVpS26.9
TBVpS24.81
PEG (NY)0.28
PEG (5Y)5.07
Graham Number36.66
Profitability
Industry RankSector 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 RankSector 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 Y72.21%
EPS Next 2Y49.7%
EPS Next 3Y41.02%
EPS Next 5Y24.68%
Revenue 1Y (TTM)2.64%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%3.45%
Revenue Next Year1.84%
Revenue Next 2Y2.78%
Revenue Next 3Y3.06%
Revenue Next 5Y2.7%
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 for 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.


What is the valuation of UBS GROUP AG-REG based on its PE and PB ratios?

The Price/Earnings (PE) ratio for UBS GROUP AG-REG (UBS) is 20.2 and the Price/Book (PB) ratio is 1.67.


What is the expected EPS growth for UBS GROUP AG-REG (UBS) stock?

The Earnings per Share (EPS) of UBS GROUP AG-REG (UBS) is expected to grow by 72.21% in the next year.