UBS GROUP AG-REG (UBS)
CH0244767585 - Common Stock
Overall UBS gets a fundamental rating of 4 out of 10. We evaluated UBS against 210 industry peers in the Capital Markets industry. While UBS is still in line with the averages on profitability rating, there are concerns on its financial health. UBS is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
UBS had negative earnings in the past year.
In the past year UBS had a positive cash flow from operations.
In the past 5 years UBS has always been profitable.
UBS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
UBS has a worse Return On Assets (1.62%) than 62.98% of its industry peers.
UBS has a Return On Equity of 32.34%. This is amongst the best in the industry. UBS outperforms 94.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.62% | ||
| ROE | 32.34% | ||
| ROIC | N/A |
ROA(3y)0.99%
ROA(5y)0.8%
ROE(3y)19.35%
ROE(5y)15.4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UBS has a better Profit Margin (65.20%) than 93.27% of its industry peers.
UBS's Profit Margin has improved 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) | 65.2% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y50.97%
PM growth 5Y35.64%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
UBS has more shares outstanding than it did 1 year ago.
The number of shares outstanding for UBS has been reduced compared to 5 years ago.
The debt/assets ratio for UBS is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of UBS is 4.90, which is a neutral value as it means it would take UBS, 4.90 years of fcf income to pay off all of its debts.
With a decent Debt to FCF ratio value of 4.90, UBS is doing good in the industry, outperforming 65.38% of the companies in the same industry.
A Debt/Equity ratio of 4.80 is on the high side and indicates that UBS has dependencies on debt financing.
Looking at the Debt to Equity ratio, with a value of 4.80, UBS is doing worse than 83.17% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.8 | ||
| Debt/FCF | 4.9 | ||
| 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 negative growth in Earnings Per Share. In the last year the EPS decreased by -119.91%.
UBS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 48.25% yearly.
The Revenue has grown by 17.76% in the past year. This is quite good.
UBS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.08% yearly.
EPS 1Y (TTM)-119.91%
EPS 3Y68.38%
EPS 5Y48.25%
EPS growth Q2Q-202%
Revenue 1Y (TTM)17.76%
Revenue growth 3Y7.27%
Revenue growth 5Y6.08%
Revenue growth Q2Q38.85%
3.2 Future
The Earnings Per Share is expected to grow by 84.34% 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 5.25% on average per year.
EPS Next Y348.4%
EPS Next 2Y166.39%
EPS Next 3Y112.1%
EPS Next 5Y84.34%
Revenue Next Year12.23%
Revenue Next 2Y7.41%
Revenue Next 3Y5.9%
Revenue Next 5Y5.25%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
UBS reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 24.81, UBS is valued on the expensive side.
UBS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. UBS is more expensive than 71.15% of the companies in the same industry.
UBS's Price/Forward Earnings ratio indicates a similar valuation than the S&P500 average which is at 21.63.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 24.81 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UBS indicates a rather cheap valuation: UBS is cheaper than 97.60% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.05 | ||
| 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.
UBS's earnings are expected to grow with 112.10% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y166.39%
EPS Next 3Y112.1%
5. Dividend
5.1 Amount
UBS has a Yearly Dividend Yield of 2.47%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 7.77, UBS is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.44, UBS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
5.2 History
The dividend of UBS decreases each year by -4.19%.
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)-4.19%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
UBS pays out 6.03% of its income as dividend. This is a sustainable payout ratio.
DP6.03%
EPS Next 2Y166.39%
EPS Next 3Y112.1%
UBS GROUP AG-REG
NYSE:UBS (4/25/2024, 7:22:27 PM)
Premarket: 27.45 -0.04 (-0.15%)27.49
+0.13 (+0.48%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap88.21B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
Dividend Growth(5Y)
DP
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Div Non Decr Years
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Surprises & Revisions
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 24.81 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.62% | ||
| ROE | 32.34% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 65.2% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.8 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-119.91%
EPS 3Y68.38%
EPS 5Y
EPS growth Q2Q
EPS Next Y348.4%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)17.76%
Revenue growth 3Y7.27%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
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EBIT Next 5Y
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