UBS GROUP AG-REG (UBS) Stock Fundamental Analysis
NYSE:UBS - New York Stock Exchange, Inc. - CH0244767585 - Common Stock - Currency: USD
UBS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 236 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.
In the past year UBS had a positive cash flow from operations.
Each year in the past 5 years UBS has been profitable.
In the past 5 years UBS always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of UBS (0.33%) is worse than 71.61% of its industry peers.
With a Return On Equity value of 5.76%, UBS perfoms like the industry average, outperforming 41.10% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 5.76% | ||
| 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
UBS has a Profit Margin (9.83%) which is comparable to the rest of the 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) | 9.83% | ||
| 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
UBS has less shares outstanding than it did 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.
2.2 Solvency
UBS has a debt to FCF ratio of 73.01. This is a negative value and a sign of low solvency as UBS would need 73.01 years to pay back of all of its debts.
UBS has a Debt to FCF ratio (73.01) which is in line with its industry peers.
A Debt/Equity ratio of 4.15 is on the high side and indicates that UBS has dependencies on debt financing.
UBS has a Debt to Equity ratio of 4.15. This is amonst the worse of the industry: UBS underperforms 84.32% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.15 | ||
| Debt/FCF | 73.01 | ||
| 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
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.
The Revenue has grown by 8.30% in the past year. This is quite good.
The Revenue has been growing by 10.83% on average over the past years. This is quite good.
EPS 1Y (TTM)767.82%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%-1.92%
Revenue 1Y (TTM)8.3%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%-1.43%
3.2 Future
The Earnings Per Share is expected to grow by 27.74% on average over the next years. This is a very strong growth
Based on estimates for the next years, UBS will show a small growth in Revenue. The Revenue will grow by 1.67% on average per year.
EPS Next Y36.87%
EPS Next 2Y41.54%
EPS Next 3Y38.58%
EPS Next 5Y27.74%
Revenue Next Year-2.09%
Revenue Next 2Y0.14%
Revenue Next 3Y1.37%
Revenue Next 5Y1.67%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 25.17 indicates a quite expensive valuation of UBS.
Compared to the rest of the industry, the Price/Earnings ratio of UBS indicates a slightly more expensive valuation: UBS is more expensive than 62.29% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of UBS to the average of the S&P500 Index (27.91), we can say UBS is valued inline with the index average.
UBS is valuated correctly with a Price/Forward Earnings ratio of 12.48.
Based on the Price/Forward Earnings ratio, UBS is valued a bit cheaper than 61.86% of the companies in the same industry.
UBS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 37.11.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.17 | ||
| Fwd PE | 12.48 |
4.2 Price Multiples
UBS's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 25.61 | ||
| 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 38.58% in the coming years.
PEG (NY)0.68
PEG (5Y)6.31
EPS Next 2Y41.54%
EPS Next 3Y38.58%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.41%, UBS has a reasonable but not impressive dividend return.
UBS's Dividend Yield is comparable with the industry average which is at 8.23.
Compared to an average S&P500 Dividend Yield of 2.32, UBS has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
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
44.91% of the earnings are spent on dividend by UBS. This is a bit on the high side, but may be sustainable.
UBS's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP44.91%
EPS Next 2Y41.54%
EPS Next 3Y38.58%
38
+0.22 (+0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners57.66%
Inst Owner Change-0.23%
Ins Owners0.04%
Ins Owner ChangeN/A
Market Cap126.98B
Analysts76
Price Target37.3 (-1.84%)
Short Float %0.28%
Short Ratio3.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.41% |
Yearly Dividend0.71
Dividend Growth(5Y)0.29%
DP44.91%
Div Incr Years4
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-14.88%
Min EPS beat(2)-25.26%
Max EPS beat(2)-4.5%
EPS beat(4)2
Avg EPS beat(4)1.25%
Min EPS beat(4)-25.26%
Max EPS beat(4)21.79%
EPS beat(8)3
Avg EPS beat(8)-50.44%
EPS beat(12)6
Avg EPS beat(12)-31.05%
EPS beat(16)10
Avg EPS beat(16)-16.52%
Revenue beat(2)0
Avg Revenue beat(2)-3.6%
Min Revenue beat(2)-5.19%
Max Revenue beat(2)-2.01%
Revenue beat(4)2
Avg Revenue beat(4)-0.83%
Min Revenue beat(4)-5.19%
Max Revenue beat(4)2.62%
Revenue beat(8)5
Avg Revenue beat(8)1.37%
Revenue beat(12)9
Avg Revenue beat(12)1.83%
Revenue beat(16)13
Avg Revenue beat(16)4.4%
PT rev (1m)3.21%
PT rev (3m)-0.65%
EPS NQ rev (1m)17.24%
EPS NQ rev (3m)41.3%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.15%
Revenue NQ rev (3m)2.6%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.96%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 25.17 | ||
| Fwd PE | 12.48 | ||
| P/S | 2.49 | ||
| P/FCF | 25.61 | ||
| P/OCF | 17.85 | ||
| P/B | 1.46 | ||
| P/tB | 1.58 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.51
EY3.97%
EPS(NY)3.05
Fwd EY8.01%
FCF(TTM)1.48
FCFY3.91%
OCF(TTM)2.13
OCFY5.6%
SpS15.29
BVpS26.09
TBVpS24.02
PEG (NY)0.68
PEG (5Y)6.31
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.33% | ||
| ROE | 5.76% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 9.83% | ||
| GM | N/A | ||
| FCFM | 9.71% |
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-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.15 | ||
| Debt/FCF | 73.01 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 57.2% | ||
| Cap/Sales | 4.21% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 98.73% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
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 5Y27.74%
Revenue 1Y (TTM)8.3%
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 5Y1.67%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1.88%
EBIT Next 3Y23.72%
EBIT Next 5YN/A
FCF growth 1Y112.6%
FCF growth 3Y-64.98%
FCF growth 5Y-41.22%
OCF growth 1Y118.85%
OCF growth 3Y-52.92%
OCF growth 5Y-30.14%