UBS GROUP AG-REG (UBS) Stock Fundamental Analysis
NYSE:UBS - New York Stock Exchange, Inc. - CH0244767585 - Common Stock - Currency: USD
Taking everything into account, UBS scores 4 out of 10 in our fundamental rating. UBS was compared to 232 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.
1. Profitability
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.
UBS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.32%, UBS is doing worse than 70.69% of the companies in the same industry.
UBS has a Return On Equity (5.98%) which is in line with its industry peers.
| Industry Rank | Sector 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
1.3 Margins
UBS's Profit Margin of 9.93% is in line compared to the rest of the industry. UBS outperforms 40.52% 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 Rank | Sector 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
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.
Compared to 1 year ago, UBS has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of UBS is 284.98, which is on the high side as it means it would take UBS, 284.98 years of fcf income to pay off all of its debts.
UBS has a Debt to FCF ratio of 284.98. This is in the lower half of the industry: UBS underperforms 62.07% of its industry peers.
A Debt/Equity ratio of 4.25 is on the high side and indicates that UBS has dependencies on debt financing.
With a Debt to Equity ratio value of 4.25, UBS is not doing good in the industry: 84.48% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.25 | ||
| Debt/FCF | 284.98 | ||
| 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 767.82%, which is quite impressive.
The Earnings Per Share has been growing slightly by 3.99% on average over the past years.
The Revenue has grown by 19.00% in the past year. This is quite good.
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
UBS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.83% yearly.
The Revenue is expected to grow by 2.01% on average over the next years.
EPS Next Y36.87%
EPS Next 2Y41.54%
EPS Next 3Y38.58%
EPS Next 5Y28.83%
Revenue Next Year-2.09%
Revenue Next 2Y0.14%
Revenue Next 3Y1.37%
Revenue Next 5Y2.01%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 21.35, 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.
Compared to an average S&P500 Price/Earnings ratio of 26.59, UBS is valued at the same level.
Based on the Price/Forward Earnings ratio of 10.59, the valuation of UBS can be described as reasonable.
UBS's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. UBS is cheaper than 66.81% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.39, UBS is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.35 | ||
| Fwd PE | 10.59 |
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 | 84.76 | ||
| EV/EBITDA | N/A |
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 38.58% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)5.35
EPS Next 2Y41.54%
EPS Next 3Y38.58%
5. Dividend
5.1 Amount
UBS has a Yearly Dividend Yield of 2.74%.
UBS's Dividend Yield is comparable with the industry average which is at 8.22.
UBS's Dividend Yield is comparable with the S&P500 average which is at 2.39.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
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 Years4
Div Non Decr Years4
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%
32.24
-0.69 (-2.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners55.35%
Inst Owner Change-2.4%
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap107.73B
Analysts73.6
Price Target35.77 (10.95%)
Short Float %0.23%
Short Ratio2.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
Yearly Dividend0.71
Dividend Growth(5Y)0.29%
DP44.36%
Div Incr Years4
Div Non Decr Years4
Ex-Date
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)0.04%
PT rev (3m)-0.79%
EPS NQ rev (1m)3.15%
EPS NQ rev (3m)-0.35%
EPS NY rev (1m)0%
EPS NY rev (3m)-6.87%
Revenue NQ rev (1m)4.7%
Revenue NQ rev (3m)4.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.52%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 21.35 | ||
| Fwd PE | 10.59 | ||
| P/S | 2.1 | ||
| P/FCF | 84.76 | ||
| P/OCF | 32.86 | ||
| P/B | 1.27 | ||
| P/tB | 1.38 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.51
EY4.68%
EPS(NY)3.05
Fwd EY9.45%
FCF(TTM)0.38
FCFY1.18%
OCF(TTM)0.98
OCFY3.04%
SpS15.32
BVpS25.46
TBVpS23.4
PEG (NY)0.58
PEG (5Y)5.35
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 5Y28.83%
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 5Y2.01%
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 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%