UBS GROUP AG-REG (UBS) Fundamental Analysis & Valuation

NYSE:UBS • CH0244767585

Current stock price

36.845 USD
-0.7 (-1.85%)
Last:

This UBS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. UBS Profitability Analysis

1.1 Basic Checks

  • In the past year UBS was profitable.
  • In the past year UBS had a positive cash flow from operations.
  • In the past 5 years UBS has always been profitable.
  • Each year in the past 5 years UBS had a positive operating cash flow.
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 2025 0 20B -20B 40B -40B 60B 80B

1.2 Ratios

  • UBS has a Return On Assets of 0.48%. This is in the lower half of the industry: UBS underperforms 70.29% of its industry peers.
  • UBS's Return On Equity of 8.61% is in line compared to the rest of the industry. UBS outperforms 53.97% of its industry peers.
Industry RankSector Rank
ROA 0.48%
ROE 8.61%
ROIC N/A
ROA(3y)0.8%
ROA(5y)0.75%
ROE(3y)15.52%
ROE(5y)14.45%
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 2025 10 20 30

1.3 Margins

  • UBS has a Profit Margin (14.87%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of UBS has declined.
  • UBS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 14.87%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-10.92%
PM growth 5Y-4.6%
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 2025 20 40 60

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2

2. UBS Health Analysis

2.1 Basic Checks

  • Compared to 1 year ago, UBS has less shares outstanding
  • UBS has less shares outstanding than it did 5 years ago.
  • UBS has a better debt/assets ratio than last year.
UBS Yearly Shares OutstandingUBS Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2025 500B 1T 1.5T

2.2 Solvency

  • The Debt to FCF ratio of UBS is 18.83, which is on the high side as it means it would take UBS, 18.83 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of UBS (18.83) is comparable to the rest of the industry.
  • UBS has a Debt/Equity ratio of 4.06. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of UBS (4.06) is worse than 83.68% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.06
Debt/FCF 18.83
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 2025 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 2025 50B 100B 150B 200B

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6

3. UBS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 55.26% over the past year.
  • The Earnings Per Share has been growing slightly by 5.80% on average over the past years.
  • The Revenue has been growing slightly by 2.03% in the past year.
  • Measured over the past years, UBS shows a quite strong growth in Revenue. The Revenue has been growing by 8.43% on average per year.
EPS 1Y (TTM)55.26%
EPS 3Y1.75%
EPS 5Y5.8%
EPS Q2Q%60.87%
Revenue 1Y (TTM)2.03%
Revenue growth 3Y12.93%
Revenue growth 5Y8.43%
Sales Q2Q%4.38%

3.2 Future

  • UBS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 22.17% yearly.
  • The Revenue is expected to grow by 3.74% on average over the next years.
EPS Next Y42.76%
EPS Next 2Y32.72%
EPS Next 3Y26.63%
EPS Next 5Y22.17%
Revenue Next Year5.1%
Revenue Next 2Y4.28%
Revenue Next 3Y4.4%
Revenue Next 5Y3.74%

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 decreasing.
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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6

4. UBS Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 15.61 indicates a correct valuation of UBS.
  • The rest of the industry has a similar Price/Earnings ratio as UBS.
  • When comparing the Price/Earnings ratio of UBS to the average of the S&P500 Index (25.54), we can say UBS is valued slightly cheaper.
  • UBS is valuated reasonably with a Price/Forward Earnings ratio of 10.94.
  • UBS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UBS is cheaper than 60.25% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 22.70. UBS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 15.61
Fwd PE 10.94
UBS Price Earnings VS Forward Price EarningsUBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

  • UBS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UBS is cheaper than 82.01% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.32
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.
  • UBS's earnings are expected to grow with 26.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.37
PEG (5Y)2.69
EPS Next 2Y32.72%
EPS Next 3Y26.63%

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6

5. UBS Dividend Analysis

5.1 Amount

  • UBS has a Yearly Dividend Yield of 2.99%.
  • In the last 3 months the price of UBS has falen by -20.58%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • Compared to an average industry Dividend Yield of 6.72, UBS has a dividend in line with its industry peers.
  • UBS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.99%

5.2 History

  • The dividend of UBS has a limited annual growth rate of 4.69%.
  • 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)4.69%
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 2026 0.2 0.4 0.6 0.8 1

5.3 Sustainability

  • UBS pays out 36.90% 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.
DP36.9%
EPS Next 2Y32.72%
EPS Next 3Y26.63%
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 2025 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 Fundamentals: All Metrics, Ratios and Statistics

UBS GROUP AG-REG

NYSE:UBS (3/24/2026, 1:19:09 PM)

36.845

-0.7 (-1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-04
Earnings (Next)04-29
Inst Owners58.99%
Inst Owner Change-3.26%
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap123.12B
Revenue(TTM)52.24B
Net Income(TTM)7.77B
Analysts74.62
Price Target49.43 (34.16%)
Short Float %N/A
Short Ratio2.65
Dividend
Industry RankSector Rank
Dividend Yield 2.99%
Yearly Dividend0.91
Dividend Growth(5Y)4.69%
DP36.9%
Div Incr Years4
Div Non Decr Years4
Ex-Date04-21
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)4.41%
Min EPS beat(2)-31.52%
Max EPS beat(2)40.34%
EPS beat(4)1
Avg EPS beat(4)0.7%
Min EPS beat(4)-31.52%
Max EPS beat(4)40.34%
EPS beat(8)4
Avg EPS beat(8)13.76%
EPS beat(12)4
Avg EPS beat(12)-36.35%
EPS beat(16)8
Avg EPS beat(16)-21.02%
Revenue beat(2)0
Avg Revenue beat(2)-1.76%
Min Revenue beat(2)-2.16%
Max Revenue beat(2)-1.36%
Revenue beat(4)0
Avg Revenue beat(4)-3.33%
Min Revenue beat(4)-5.19%
Max Revenue beat(4)-1.36%
Revenue beat(8)3
Avg Revenue beat(8)-0.94%
Revenue beat(12)6
Avg Revenue beat(12)0.32%
Revenue beat(16)10
Avg Revenue beat(16)1.52%
PT rev (1m)-3.3%
PT rev (3m)13.62%
EPS NQ rev (1m)0.46%
EPS NQ rev (3m)-0.58%
EPS NY rev (1m)-2.06%
EPS NY rev (3m)-0.29%
Revenue NQ rev (1m)-0.89%
Revenue NQ rev (3m)7.45%
Revenue NY rev (1m)-0.94%
Revenue NY rev (3m)1.64%
Valuation
Industry RankSector Rank
PE 15.61
Fwd PE 10.94
P/S 2.36
P/FCF 6.32
P/OCF 5.63
P/B 1.36
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)2.36
EY6.41%
EPS(NY)3.37
Fwd EY9.14%
FCF(TTM)5.83
FCFY15.83%
OCF(TTM)6.54
OCFY17.75%
SpS15.63
BVpS27
TBVpS24.92
PEG (NY)0.37
PEG (5Y)2.69
Graham Number37.86
Profitability
Industry RankSector Rank
ROA 0.48%
ROE 8.61%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 14.87%
GM N/A
FCFM 37.31%
ROA(3y)0.8%
ROA(5y)0.75%
ROE(3y)15.52%
ROE(5y)14.45%
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-10.92%
PM growth 5Y-4.6%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 4.06
Debt/FCF 18.83
Debt/EBITDA N/A
Cap/Depr 66.93%
Cap/Sales 4.52%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 250.92%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)54.91%
Cap/Depr(5y)66.36%
Cap/Sales(3y)4.12%
Cap/Sales(5y)4.36%
Profit Quality(3y)194.76%
Profit Quality(5y)230.29%
High Growth Momentum
Growth
EPS 1Y (TTM)55.26%
EPS 3Y1.75%
EPS 5Y5.8%
EPS Q2Q%60.87%
EPS Next Y42.76%
EPS Next 2Y32.72%
EPS Next 3Y26.63%
EPS Next 5Y22.17%
Revenue 1Y (TTM)2.03%
Revenue growth 3Y12.93%
Revenue growth 5Y8.43%
Sales Q2Q%4.38%
Revenue Next Year5.1%
Revenue Next 2Y4.28%
Revenue Next 3Y4.4%
Revenue Next 5Y3.74%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year34.41%
EBIT Next 3Y21.5%
EBIT Next 5YN/A
FCF growth 1Y1433.36%
FCF growth 3Y14.44%
FCF growth 5Y-11.1%
OCF growth 1Y566.39%
OCF growth 3Y14.26%
OCF growth 5Y-9.98%

UBS GROUP AG-REG / UBS Fundamental Analysis 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 6 / 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 15.61 and the Price/Book (PB) ratio is 1.36.


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 42.76% in the next year.