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

NYSE:UBS • CH0244767585

Current stock price

43.74 USD
+1.02 (+2.39%)
At close:
43.961 USD
+0.22 (+0.51%)
After Hours:

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.
  • UBS had a positive operating cash flow in the past year.
  • Each year in the past 5 years UBS has 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

  • Looking at the Return On Assets, with a value of 0.48%, UBS is doing worse than 70.42% of the companies in the same industry.
  • UBS's Return On Equity of 8.61% is in line compared to the rest of the industry. UBS outperforms 53.33% 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's Profit Margin of 14.87% is in line compared to the rest of the industry. UBS outperforms 47.92% of its industry peers.
  • 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 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

  • The number of shares outstanding for UBS has been reduced compared to 1 year ago.
  • Compared to 5 years ago, UBS has less shares outstanding
  • The debt/assets ratio for UBS has been reduced compared to a year ago.
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

  • UBS has a debt to FCF ratio of 18.83. This is a negative value and a sign of low solvency as UBS would need 18.83 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 18.83, UBS perfoms like the industry average, outperforming 54.58% of the companies in the same industry.
  • UBS has a Debt/Equity ratio of 4.06. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 4.06, UBS is doing worse than 83.75% of the companies in the same industry.
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

  • UBS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 55.26%, which is quite impressive.
  • UBS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 5.80% yearly.
  • UBS shows a small growth in Revenue. In the last year, the Revenue has grown by 2.03%.
  • 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

  • The Earnings Per Share is expected to grow by 22.17% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 3.74% on average over the next years.
EPS Next Y42.55%
EPS Next 2Y33.27%
EPS Next 3Y26.75%
EPS Next 5Y22.17%
Revenue Next Year5.62%
Revenue Next 2Y4.21%
Revenue Next 3Y4.04%
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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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5

4. UBS Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 18.53, UBS is valued on the expensive side.
  • UBS's Price/Earnings ratio is in line with the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.87, UBS is valued a bit cheaper.
  • With a Price/Forward Earnings ratio of 13.00, 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 38.51. UBS is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 18.53
Fwd PE 13
UBS Price Earnings VS Forward Price EarningsUBS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, UBS is valued a bit cheaper than 80.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 7.5
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 26.75% in the coming years.
PEG (NY)0.44
PEG (5Y)3.19
EPS Next 2Y33.27%
EPS Next 3Y26.75%

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6

5. UBS Dividend Analysis

5.1 Amount

  • UBS has a Yearly Dividend Yield of 2.51%.
  • Compared to an average industry Dividend Yield of 6.51, UBS has a dividend in line with its industry peers.
  • UBS's Dividend Yield is a higher than the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 2.51%

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 past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)4.69%
Div Incr Years5
Div Non Decr Years5
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

  • 36.90% 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.
DP36.9%
EPS Next 2Y33.27%
EPS Next 3Y26.75%
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 (4/17/2026, 8:04:00 PM)

After market: 43.961 +0.22 (+0.51%)

43.74

+1.02 (+2.39%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-04
Earnings (Next)04-29
Inst Owners58.31%
Inst Owner Change0.01%
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap146.16B
Revenue(TTM)52.24B
Net Income(TTM)7.77B
Analysts76.92
Price Target49.99 (14.29%)
Short Float %0.22%
Short Ratio2.36
Dividend
Industry RankSector Rank
Dividend Yield 2.51%
Yearly Dividend0.91
Dividend Growth(5Y)4.69%
DP36.9%
Div Incr Years5
Div Non Decr Years5
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)1.15%
PT rev (3m)14.92%
EPS NQ rev (1m)-2.08%
EPS NQ rev (3m)-2.65%
EPS NY rev (1m)-0.14%
EPS NY rev (3m)-1.85%
Revenue NQ rev (1m)-2.66%
Revenue NQ rev (3m)4.6%
Revenue NY rev (1m)0.49%
Revenue NY rev (3m)1.66%
Valuation
Industry RankSector Rank
PE 18.53
Fwd PE 13
P/S 2.8
P/FCF 7.5
P/OCF 6.69
P/B 1.62
P/tB 1.76
EV/EBITDA N/A
EPS(TTM)2.36
EY5.4%
EPS(NY)3.36
Fwd EY7.69%
FCF(TTM)5.83
FCFY13.33%
OCF(TTM)6.54
OCFY14.95%
SpS15.63
BVpS27
TBVpS24.92
PEG (NY)0.44
PEG (5Y)3.19
Graham Number37.8622 (-13.44%)
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 Y42.55%
EPS Next 2Y33.27%
EPS Next 3Y26.75%
EPS Next 5Y22.17%
Revenue 1Y (TTM)2.03%
Revenue growth 3Y12.93%
Revenue growth 5Y8.43%
Sales Q2Q%4.38%
Revenue Next Year5.62%
Revenue Next 2Y4.21%
Revenue Next 3Y4.04%
Revenue Next 5Y3.74%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year44%
EBIT Next 3Y30.12%
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 5 / 10 to UBS GROUP AG-REG (UBS). This can be considered as Fairly Valued.


Can you provide the profitability details for UBS GROUP AG-REG?

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 18.53 and the Price/Book (PB) ratio is 1.62.


Is the dividend of UBS GROUP AG-REG sustainable?

The dividend rating of UBS GROUP AG-REG (UBS) is 6 / 10 and the dividend payout ratio is 36.9%.