Logo image of UBS

UBS GROUP AG-REG (UBS) Stock Fundamental Analysis

NYSE:UBS - New York Stock Exchange, Inc. - CH0244767585 - Common Stock - Currency: USD

31.97  -0.31 (-0.96%)

After market: 32 +0.03 (+0.09%)

Fundamental Rating

3

Overall UBS gets a fundamental rating of 3 out of 10. We evaluated UBS against 230 industry peers in the Capital Markets industry. UBS has a bad profitability rating. Also its financial health evaluation is rather negative. UBS has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

UBS had positive earnings in the past year.
In the past year UBS had a positive cash flow from operations.
Each year in the past 5 years UBS has 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B -40B 60B 80B

1.2 Ratios

With a Return On Assets value of 0.32%, UBS is not doing good in the industry: 71.74% of the companies in the same industry are doing better.
UBS has a Return On Equity (5.98%) which is in line with its industry peers.
Industry RankSector Rank
ROA 0.32%
ROE 5.98%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

1.3 Margins

UBS has a worse Profit Margin (9.93%) than 60.43% of its industry peers.
UBS's Profit Margin has declined in the last couple of years.
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) 9.93%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20 40 60

More info and screens

1

2. Health

2.1 Basic Checks

The number of shares outstanding for UBS has been reduced compared to 1 year ago.
UBS has less shares outstanding than it did 5 years ago.
The debt/assets ratio for UBS has been reduced compared to a year ago.
UBS Yearly Shares OutstandingUBS Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T

2.2 Solvency

UBS has a debt to FCF ratio of 284.98. This is a negative value and a sign of low solvency as UBS would need 284.98 years to pay back of all of its debts.
UBS has a worse Debt to FCF ratio (284.98) than 60.00% of its industry peers.
UBS has a Debt/Equity ratio of 4.25. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 4.25, UBS is doing worse than 82.61% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 4.25
Debt/FCF 284.98
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B 200B

More info and screens

6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 767.82% over the past year.
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 quite strong growth in Revenue. The Revenue has grown by 19.00% 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)767.82%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%-1.92%
Revenue 1Y (TTM)19%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%-1.43%

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 24.73% on average per year.
The Revenue is expected to grow by 2.57% on average over the next years.
EPS Next Y36.87%
EPS Next 2Y41.54%
EPS Next 3Y38.58%
EPS Next 5Y24.73%
Revenue Next Year-2.09%
Revenue Next 2Y0.14%
Revenue Next 3Y1.37%
Revenue Next 5Y2.57%

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.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10B 20B 30B 40B 50B
UBS Yearly EPS VS EstimatesUBS Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 1 2 3 4

More info and screens

5

4. Valuation

4.1 Price/Earnings Ratio

UBS is valuated rather expensively with a Price/Earnings ratio of 21.17.
Compared to the rest of the industry, the Price/Earnings ratio of UBS is on the same level as its industry peers.
UBS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.60.
A Price/Forward Earnings ratio of 10.50 indicates a reasonable valuation of UBS.
UBS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UBS is cheaper than 68.26% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of UBS to the average of the S&P500 Index (22.43), we can say UBS is valued rather cheaply.
Industry RankSector Rank
PE 21.17
Fwd PE 10.5
UBS Price Earnings VS Forward Price EarningsUBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

UBS's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 84.05
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

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 38.58% in the coming years.
PEG (NY)0.57
PEG (5Y)5.31
EPS Next 2Y41.54%
EPS Next 3Y38.58%

More info and screens

5

5. Dividend

5.1 Amount

UBS has a Yearly Dividend Yield of 2.66%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 8.21, UBS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.36, UBS has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.66%

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 Years3
Div Non Decr Years3
UBS Yearly Dividends per shareUBS Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6

5.3 Sustainability

44.36% of the earnings are spent on dividend by UBS. This is a bit on the high side, but may be sustainable.
The dividend of UBS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP44.36%
EPS Next 2Y41.54%
EPS Next 3Y38.58%
UBS Yearly Income VS Free CF VS DividendUBS Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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

More info and screens

UBS GROUP AG-REG

NYSE:UBS (5/21/2025, 5:16:24 PM)

After market: 32 +0.03 (+0.09%)

31.97

-0.31 (-0.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)04-30 2025-04-30/bmo
Earnings (Next)07-30 2025-07-30
Inst Owners55.35%
Inst Owner Change-2.08%
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap106.83B
Analysts71.54
Price Target35.76 (11.85%)
Short Float %0.3%
Short Ratio2.41
Dividend
Industry RankSector Rank
Dividend Yield 2.66%
Yearly Dividend0.71
Dividend Growth(5Y)0.29%
DP44.36%
Div Incr Years3
Div Non Decr Years3
Ex-Date04-15 2025-04-15 (0.367807)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1.73%
Min EPS beat(2)-25.26%
Max EPS beat(2)21.79%
EPS beat(4)3
Avg EPS beat(4)26.82%
Min EPS beat(4)-25.26%
Max EPS beat(4)97.78%
EPS beat(8)3
Avg EPS beat(8)-54.87%
EPS beat(12)7
Avg EPS beat(12)-28.26%
EPS beat(16)10
Avg EPS beat(16)-16.92%
Revenue beat(2)1
Avg Revenue beat(2)0.3%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)2.62%
Revenue beat(4)3
Avg Revenue beat(4)1.45%
Min Revenue beat(4)-2.01%
Max Revenue beat(4)3.92%
Revenue beat(8)6
Avg Revenue beat(8)2.14%
Revenue beat(12)10
Avg Revenue beat(12)3.13%
Revenue beat(16)14
Avg Revenue beat(16)4.75%
PT rev (1m)-0.83%
PT rev (3m)1.74%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.39%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.22%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.09%
Revenue NY rev (1m)0.52%
Revenue NY rev (3m)-1.48%
Valuation
Industry RankSector Rank
PE 21.17
Fwd PE 10.5
P/S 2.09
P/FCF 84.05
P/OCF 32.58
P/B 1.26
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)1.51
EY4.72%
EPS(NY)3.05
Fwd EY9.53%
FCF(TTM)0.38
FCFY1.19%
OCF(TTM)0.98
OCFY3.07%
SpS15.32
BVpS25.46
TBVpS23.4
PEG (NY)0.57
PEG (5Y)5.31
Profitability
Industry RankSector Rank
ROA 0.32%
ROE 5.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 9.93%
GM N/A
FCFM 2.48%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 4.25
Debt/FCF 284.98
Debt/EBITDA N/A
Cap/Depr 52.87%
Cap/Sales 3.92%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 24.99%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
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)767.82%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%-1.92%
EPS Next Y36.87%
EPS Next 2Y41.54%
EPS Next 3Y38.58%
EPS Next 5Y24.73%
Revenue 1Y (TTM)19%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%-1.43%
Revenue Next Year-2.09%
Revenue Next 2Y0.14%
Revenue Next 3Y1.37%
Revenue Next 5Y2.57%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year41.68%
EBIT Next 3Y32.43%
EBIT Next 5YN/A
FCF growth 1Y-98.49%
FCF growth 3Y-64.98%
FCF growth 5Y-41.22%
OCF growth 1Y-96.19%
OCF growth 3Y-52.92%
OCF growth 5Y-30.14%