UBS GROUP AG-REG (UBS)
CH0244767585 - Common Stock
Overall UBS gets a fundamental rating of 4 out of 10. We evaluated UBS against 218 industry peers in the Capital Markets industry. While UBS is still in line with the averages on profitability rating, there are concerns on its financial health. UBS is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
UBS had positive earnings in the past year.
UBS had a positive operating cash flow in the past year.
In the past 5 years UBS has always been profitable.
In the past 5 years UBS always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 1.78%, UBS perfoms like the industry average, outperforming 44.65% of the companies in the same industry.
Looking at the Return On Equity, with a value of 33.52%, UBS belongs to the top of the industry, outperforming 96.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.78% | ||
| ROE | 33.52% | ||
| ROIC | N/A |
ROA(3y)0.99%
ROA(5y)0.8%
ROE(3y)19.35%
ROE(5y)15.4%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
UBS has a Profit Margin of 60.59%. This is amongst the best in the industry. UBS outperforms 93.02% of its industry peers.
UBS's Profit Margin has improved in the last couple of years.
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) | 60.59% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y50.97%
PM growth 5Y35.64%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The number of shares outstanding for UBS has been increased compared to 1 year ago.
The number of shares outstanding for UBS has been reduced compared to 5 years ago.
UBS has a worse debt/assets ratio than last year.
2.2 Solvency
UBS has a debt to FCF ratio of 3.19. This is a good value and a sign of high solvency as UBS would need 3.19 years to pay back of all of its debts.
UBS has a Debt to FCF ratio of 3.19. This is in the better half of the industry: UBS outperforms 72.09% of its industry peers.
UBS has a Debt/Equity ratio of 4.52. This is a high value indicating a heavy dependency on external financing.
UBS's Debt to Equity ratio of 4.52 is on the low side compared to the rest of the industry. UBS is outperformed by 83.72% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| Debt/FCF | 3.19 | ||
| 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 38.30% over the past year.
Measured over the past years, UBS shows a very strong growth in Earnings Per Share. The EPS has been growing by 48.25% on average per year.
Looking at the last year, UBS shows a quite strong growth in Revenue. The Revenue has grown by 18.62% in the last year.
Measured over the past years, UBS shows a small growth in Revenue. The Revenue has been growing by 6.08% on average per year.
EPS 1Y (TTM)38.3%
EPS 3Y68.38%
EPS 5Y48.25%
EPS Q2Q%279.17%
Revenue 1Y (TTM)18.62%
Revenue growth 3Y7.27%
Revenue growth 5Y6.08%
Sales Q2Q%5.46%
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 81.45% on average per year.
The Revenue is expected to grow by 4.93% on average over the next years.
EPS Next Y473.53%
EPS Next 2Y164.13%
EPS Next 3Y110.86%
EPS Next 5Y81.45%
Revenue Next Year15.5%
Revenue Next 2Y7.27%
Revenue Next 3Y5.72%
Revenue Next 5Y4.93%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 40.69, which means the current valuation is very expensive for UBS.
78.60% of the companies in the same industry are cheaper than UBS, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of UBS to the average of the S&P500 Index (28.96), we can say UBS is valued slightly more expensively.
With a Price/Forward Earnings ratio of 14.30, UBS is valued correctly.
UBS's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of UBS to the average of the S&P500 Index (23.82), we can say UBS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.69 | ||
| Fwd PE | 14.3 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of UBS indicates a rather cheap valuation: UBS is cheaper than 97.21% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.84 | ||
| 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.
A more expensive valuation may be justified as UBS's earnings are expected to grow with 110.86% in the coming years.
PEG (NY)0.09
PEG (5Y)0.84
EPS Next 2Y164.13%
EPS Next 3Y110.86%
5. Dividend
5.1 Amount
UBS has a Yearly Dividend Yield of 2.20%.
Compared to an average industry Dividend Yield of 9.01, UBS is paying slightly less dividend.
UBS's Dividend Yield is comparable with the S&P500 average which is at 2.23.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
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
5.3 Sustainability
UBS pays out 5.88% of its income as dividend. This is a sustainable payout ratio.
DP5.88%
EPS Next 2Y164.13%
EPS Next 3Y110.86%
UBS GROUP AG-REG
NYSE:UBS (11/21/2024, 8:04:00 PM)
Premarket: 31.66 -0.08 (-0.25%)31.74
-0.09 (-0.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap101.11B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.2% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 40.69 | ||
| Fwd PE | 14.3 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.09
PEG (5Y)0.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.78% | ||
| ROE | 33.52% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 60.59% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.52 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)38.3%
EPS 3Y68.38%
EPS 5Y
EPS Q2Q%
EPS Next Y473.53%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)18.62%
Revenue growth 3Y7.27%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y