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UBS GROUP AG-REG (UBS) Stock Fundamental Analysis

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

34.23  +0.27 (+0.8%)

Premarket: 33.72 -0.51 (-1.49%)

Fundamental Rating

3

UBS gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 225 industry peers in the Capital Markets industry. Both the profitability and financial health of UBS have multiple concerns. UBS is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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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.
UBS had positive earnings in each of the past 5 years.
Of the past 5 years UBS 4 years 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 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 0.18%, UBS is not doing good in the industry: 74.89% of the companies in the same industry are doing better.
The Return On Equity of UBS (3.37%) is worse than 68.95% of its industry peers.
Industry RankSector Rank
ROA 0.18%
ROE 3.37%
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's Profit Margin of 5.82% is on the low side compared to the rest of the industry. UBS is outperformed by 68.95% of its industry peers.
UBS's Profit Margin has declined in the last couple of years.
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) 5.82%
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

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2

2. Health

2.1 Basic Checks

Compared to 1 year ago, UBS has less shares outstanding
The number of shares outstanding for UBS has been reduced compared to 5 years ago.
Compared to 1 year ago, UBS has an improved debt to assets ratio.
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 7.28. This is a slightly negative value and a sign of low solvency as UBS would need 7.28 years to pay back of all of its debts.
UBS has a Debt to FCF ratio (7.28) which is in line with its industry peers.
A Debt/Equity ratio of 4.35 is on the high side and indicates that UBS has dependencies on debt financing.
The Debt to Equity ratio of UBS (4.35) is worse than 84.47% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.35
Debt/FCF 7.28
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 300B

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

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 5946.15% over the past year.
The Earnings Per Share has been growing slightly by 3.99% on average over the past years.
UBS shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 18.99%.
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)5946.15%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%355.56%
Revenue 1Y (TTM)18.99%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%7.19%

3.2 Future

UBS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 24.73% yearly.
UBS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.40% yearly.
EPS Next Y46.96%
EPS Next 2Y46.37%
EPS Next 3Y39.88%
EPS Next 5Y24.73%
Revenue Next Year-2.26%
Revenue Next 2Y0.25%
Revenue Next 3Y1.07%
Revenue Next 5Y2.4%

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 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

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5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 22.52, UBS is valued on the expensive side.
61.19% of the companies in the same industry are cheaper than UBS, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 29.36, UBS is valued a bit cheaper.
With a Price/Forward Earnings ratio of 15.32, 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.
UBS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.65.
Industry RankSector Rank
PE 22.52
Fwd PE 15.32
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 rather cheap when compared to the industry. UBS is cheaper than 89.95% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.28
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 39.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.48
PEG (5Y)5.65
EPS Next 2Y46.37%
EPS Next 3Y39.88%

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3

5. Dividend

5.1 Amount

UBS has a Yearly Dividend Yield of 2.69%.
Compared to an average industry Dividend Yield of 9.19, UBS has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.27, UBS has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.69%

5.2 History

The dividend of UBS decreases each year by -4.19%.
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)-4.19%
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 0.2 0.4 0.6

5.3 Sustainability

77.00% of the earnings are spent on dividend by UBS. This is not a sustainable payout ratio.
DP77%
EPS Next 2Y46.37%
EPS Next 3Y39.88%
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

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UBS GROUP AG-REG

NYSE:UBS (2/26/2025, 8:12:22 PM)

Premarket: 33.72 -0.51 (-1.49%)

34.23

+0.27 (+0.8%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)02-04 2025-02-04/bmo
Earnings (Next)04-30 2025-04-30
Inst Owners55.35%
Inst Owner Change-78.47%
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap118.51B
Analysts72.31
Price Target35.14 (2.66%)
Short Float %0.18%
Short Ratio3.27
Dividend
Industry RankSector Rank
Dividend Yield 2.69%
Yearly Dividend0.53
Dividend Growth(5Y)-4.19%
DP77%
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)17.37%
Min EPS beat(2)12.96%
Max EPS beat(2)21.79%
EPS beat(4)3
Avg EPS beat(4)-8.06%
Min EPS beat(4)-164.75%
Max EPS beat(4)97.78%
EPS beat(8)4
Avg EPS beat(8)-46.4%
EPS beat(12)8
Avg EPS beat(12)-24.55%
EPS beat(16)11
Avg EPS beat(16)-11.31%
Revenue beat(2)2
Avg Revenue beat(2)1.95%
Min Revenue beat(2)1.28%
Max Revenue beat(2)2.62%
Revenue beat(4)3
Avg Revenue beat(4)1.3%
Min Revenue beat(4)-2.64%
Max Revenue beat(4)3.92%
Revenue beat(8)7
Avg Revenue beat(8)2.79%
Revenue beat(12)11
Avg Revenue beat(12)4.85%
Revenue beat(16)15
Avg Revenue beat(16)5.64%
PT rev (1m)6.21%
PT rev (3m)4.19%
EPS NQ rev (1m)0.96%
EPS NQ rev (3m)-11.94%
EPS NY rev (1m)0.65%
EPS NY rev (3m)0.65%
Revenue NQ rev (1m)-1.33%
Revenue NQ rev (3m)-2.27%
Revenue NY rev (1m)-1.65%
Revenue NY rev (3m)-0.37%
Valuation
Industry RankSector Rank
PE 22.52
Fwd PE 15.32
P/S 2.35
P/FCF 2.28
P/OCF 2.2
P/B 1.36
P/tB 1.48
EV/EBITDA N/A
EPS(TTM)1.52
EY4.44%
EPS(NY)2.23
Fwd EY6.53%
FCF(TTM)15.01
FCFY43.85%
OCF(TTM)15.57
OCFY45.48%
SpS14.55
BVpS25.14
TBVpS23.1
PEG (NY)0.48
PEG (5Y)5.65
Profitability
Industry RankSector Rank
ROA 0.18%
ROE 3.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 5.82%
GM N/A
FCFM 103.15%
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 RankSector Rank
Debt/Equity 4.35
Debt/FCF 7.28
Debt/EBITDA N/A
Cap/Depr 45.76%
Cap/Sales 3.83%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 1773.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)5946.15%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%355.56%
EPS Next Y46.96%
EPS Next 2Y46.37%
EPS Next 3Y39.88%
EPS Next 5Y24.73%
Revenue 1Y (TTM)18.99%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%7.19%
Revenue Next Year-2.26%
Revenue Next 2Y0.25%
Revenue Next 3Y1.07%
Revenue Next 5Y2.4%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year58.3%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y12.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y12.81%
OCF growth 3YN/A
OCF growth 5YN/A