UBS GROUP AG-REG (UBS)
CH0244767585 - Common Stock
We assign a fundamental rating of 4 out of 10 to UBS. UBS was compared to 220 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 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.
UBS had positive earnings in each of the past 5 years.
Each year in the past 5 years UBS had a positive operating cash flow.
1.2 Ratios
UBS's Return On Assets of 1.78% is in line compared to the rest of the industry. UBS outperforms 42.59% of its industry peers.
UBS has a Return On Equity of 33.52%. This is amongst the best in the industry. UBS outperforms 96.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.78% | ||
| ROE | 33.52% | ||
| 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
With an excellent Profit Margin value of 60.59%, UBS belongs to the best of the industry, outperforming 93.06% of the companies in the same industry.
In the last couple of years the Profit Margin of UBS has grown nicely.
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) | 60.59% | ||
| 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
Compared to 1 year ago, UBS has more shares outstanding
Compared to 5 years ago, UBS has less shares outstanding
UBS has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of UBS is 3.19, which is a good value as it means it would take UBS, 3.19 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of UBS (3.19) is better than 71.30% of its industry peers.
A Debt/Equity ratio of 4.52 is on the high side and indicates that UBS has dependencies on debt financing.
With a Debt to Equity ratio value of 4.52, UBS is not doing good in the industry: 84.26% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| Debt/FCF | 3.19 | ||
| 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 negative growth in Earnings Per Share. In the last year the EPS decreased by -91.69%.
UBS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 48.25% yearly.
UBS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.62%.
UBS shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.08% yearly.
EPS 1Y (TTM)-91.69%
EPS 3Y68.38%
EPS 5Y48.25%
EPS Q2Q%2225%
Revenue 1Y (TTM)18.62%
Revenue growth 3Y7.27%
Revenue growth 5Y6.08%
Sales Q2Q%24.78%
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 81.45% on average per year.
UBS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.93% yearly.
EPS Next Y435.06%
EPS Next 2Y162.17%
EPS Next 3Y109.76%
EPS Next 5Y81.45%
Revenue Next Year14.84%
Revenue Next 2Y7.34%
Revenue Next 3Y5.88%
Revenue Next 5Y4.93%
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
The Price/Earnings ratio is 291.09, which means the current valuation is very expensive for UBS.
Based on the Price/Earnings ratio, UBS is valued more expensive than 83.80% of the companies in the same industry.
UBS is valuated expensively when we compare the Price/Earnings ratio to 31.52, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 14.73, UBS is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of UBS is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.55. UBS is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 291.09 | ||
| Fwd PE | 14.73 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, UBS is valued cheaper than 97.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.85 | ||
| 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.
A more expensive valuation may be justified as UBS's earnings are expected to grow with 109.76% in the coming years.
PEG (NY)0.67
PEG (5Y)6.03
EPS Next 2Y162.17%
EPS Next 3Y109.76%
5. Dividend
5.1 Amount
UBS has a Yearly Dividend Yield of 2.22%.
Compared to an average industry Dividend Yield of 9.19, UBS is paying slightly less dividend.
UBS's Dividend Yield is comparable with the S&P500 average which is at 2.22.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.22% |
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 5.88% of its income as dividend. This is a sustainable payout ratio.
DP5.88%
EPS Next 2Y162.17%
EPS Next 3Y109.76%
UBS GROUP AG-REG
NYSE:UBS (10/11/2024, 8:04:00 PM)
Premarket: 31.98 -0.04 (-0.12%)32.02
+0.41 (+1.3%)
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 Cap102.53B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.22% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
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EPS NY rev (3m)
Revenue NQ rev (1m)
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Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 291.09 | ||
| Fwd PE | 14.73 | ||
| 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)0.67
PEG (5Y)6.03
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.78% | ||
| ROE | 33.52% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 60.59% | ||
| 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 Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| 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)
High Growth Momentum
Growth
EPS 1Y (TTM)-91.69%
EPS 3Y68.38%
EPS 5Y
EPS Q2Q%
EPS Next Y435.06%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)18.62%
Revenue growth 3Y7.27%
Revenue growth 5Y
Sales 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
EBIT Next 3Y
EBIT Next 5Y
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FCF growth 3Y
FCF growth 5Y
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OCF growth 3Y
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