UBS GROUP AG-REG (UBS) Stock Fundamental Analysis
USA - NYSE:UBS - CH0244767585 - Common Stock
39.07 USD
-0.53 (-1.34%)
39.05 USD
-0.02 (-0.05%)
UBS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 237 industry peers in the Capital Markets industry. UBS has a bad profitability rating. Also its financial health evaluation is rather negative. UBS has a correct valuation and a medium growth rate.
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.
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
With a Return On Assets value of 0.45%, UBS is not doing good in the industry: 73.00% of the companies in the same industry are doing better.
UBS has a Return On Equity of 8.16%. This is comparable to the rest of the industry: UBS outperforms 47.26% of its industry peers.
| 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
Looking at the Profit Margin, with a value of 14.19%, UBS is in line with its industry, outperforming 48.95% of the companies in the same 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 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
Compared to 1 year ago, UBS has less shares outstanding
The number of shares outstanding for UBS has been reduced compared to 5 years ago.
Compared to 1 year ago, UBS has an improved debt to assets ratio.
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's Debt to FCF ratio of 180.19 is in line compared to the rest of the industry. UBS outperforms 43.88% of its industry peers.
UBS has a Debt/Equity ratio of 4.12. This is a high value indicating a heavy dependency on external 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
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.
Looking at the last year, UBS shows a small growth in Revenue. The Revenue has grown by 2.64% in the last 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 24.84% on average per year.
The Revenue is expected to grow by 2.78% on average over the next years.
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.
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
With a Price/Earnings ratio of 17.60, UBS is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of UBS is on the same level as its industry peers.
UBS is valuated rather cheaply when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.94, which indicates a very decent valuation of UBS.
Based on the Price/Forward Earnings ratio, UBS is valued a bit cheaper than 61.60% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of UBS to the average of the S&P500 Index (34.57), we can say UBS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.6 | ||
| Fwd PE | 11.94 |
4.2 Price Multiples
UBS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 63.44 | ||
| 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)4.41
EPS Next 2Y46.74%
EPS Next 3Y39.13%
5. Dividend
5.1 Amount
UBS has a Yearly Dividend Yield of 2.39%. Purely for dividend investing, there may be better candidates out there.
UBS's Dividend Yield is comparable with the industry average which is at 8.40.
Compared to an average S&P500 Dividend Yield of 2.36, UBS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.39% |
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.
The dividend of UBS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP39.06%
EPS Next 2Y46.74%
EPS Next 3Y39.13%
39.07
-0.53 (-1.34%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners55.07%
Inst Owner Change0.8%
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap130.56B
Revenue(TTM)51.71B
Net Income(TTM)7.34B
Analysts76.8
Price Target42.67 (9.21%)
Short Float %0.3%
Short Ratio5.53
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.39% |
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)2.92%
PT rev (3m)10.61%
EPS NQ rev (1m)-1.84%
EPS NQ rev (3m)7.28%
EPS NY rev (1m)5.45%
EPS NY rev (3m)17.04%
Revenue NQ rev (1m)1.61%
Revenue NQ rev (3m)3.95%
Revenue NY rev (1m)0.76%
Revenue NY rev (3m)2.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 17.6 | ||
| Fwd PE | 11.94 | ||
| P/S | 2.52 | ||
| P/FCF | 63.44 | ||
| P/OCF | 30.4 | ||
| P/B | 1.45 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.22
EY5.68%
EPS(NY)3.27
Fwd EY8.38%
FCF(TTM)0.62
FCFY1.58%
OCF(TTM)1.29
OCFY3.29%
SpS15.48
BVpS26.9
TBVpS24.81
PEG (NY)0.29
PEG (5Y)4.41
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 17.6 and the Price/Book (PB) ratio is 1.45.
How financially healthy is UBS GROUP AG-REG?
The financial health rating of UBS GROUP AG-REG (UBS) is 2 / 10.