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UBS GROUP AG-REG (UBS) Stock Fundamental Analysis

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

30.37  +0.09 (+0.3%)

Fundamental Rating

3

Overall UBS gets a fundamental rating of 3 out of 10. We evaluated UBS against 230 industry peers in the Capital Markets industry. UBS may be in some trouble as it scores bad on both profitability and health. UBS has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year UBS was profitable.
UBS had a positive operating cash flow in the past year.
UBS had positive earnings in each of the past 5 years.
In the past 5 years UBS always reported a positive cash flow from operatings.
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

UBS's Return On Assets of 0.32% is on the low side compared to the rest of the industry. UBS is outperformed by 73.48% of its industry peers.
UBS has a Return On Equity (5.98%) which is comparable to the rest of the industry.
Industry RankSector 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
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

Looking at the Profit Margin, with a value of 9.93%, UBS is doing worse than 62.17% of the companies in the same 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 RankSector 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
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
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 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

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's Debt to FCF ratio of 284.98 is in line compared to the rest of the industry. UBS outperforms 40.43% of its industry peers.
UBS has a Debt/Equity ratio of 4.25. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of UBS (4.25) is worse than 83.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.25
Debt/FCF 284.98
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

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 200B

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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.
UBS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.99% yearly.
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.
The Revenue is expected to grow by 2.56% on average over the next years.
EPS Next Y36.87%
EPS Next 2Y41.54%
EPS Next 3Y38.58%
EPS Next 5Y24.73%
Revenue Next Year-3.05%
Revenue Next 2Y-1.88%
Revenue Next 3Y1.08%
Revenue Next 5Y2.56%

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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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 19.98 indicates a rather expensive valuation of UBS.
Compared to the rest of the industry, the Price/Earnings ratio of UBS is on the same level as its industry peers.
UBS is valuated rather cheaply when we compare the Price/Earnings ratio to 28.87, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 14.60, which indicates a correct valuation of UBS.
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 21.38. UBS is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 19.98
Fwd PE 14.6
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 in line with the industry average.
Industry RankSector Rank
P/FCF 79.85
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.
A more expensive valuation may be justified as UBS's earnings are expected to grow with 38.58% in the coming years.
PEG (NY)0.54
PEG (5Y)5.01
EPS Next 2Y41.54%
EPS Next 3Y38.58%

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5

5. Dividend

5.1 Amount

UBS has a Yearly Dividend Yield of 3.01%. Purely for dividend investing, there may be better candidates out there.
UBS's Dividend Yield is comparable with the industry average which is at 8.29.
UBS's Dividend Yield is a higher than the S&P500 average which is at 2.46.
Industry RankSector Rank
Dividend Yield 3.01%

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 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 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

UBS pays out 44.36% of its income as dividend. 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%
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 (4/29/2025, 10:37:03 AM)

30.37

+0.09 (+0.3%)

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/bmo
Inst Owners55.35%
Inst Owner Change0.08%
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap101.48B
Analysts70.77
Price Target37.54 (23.61%)
Short Float %0.32%
Short Ratio2.24
Dividend
Industry RankSector Rank
Dividend Yield 3.01%
Yearly Dividend0.71
Dividend Growth(5Y)0.29%
DP44.36%
Div Incr Years3
Div Non Decr Years3
Ex-Date04-15 2025-04-15 (0.45)
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)4.11%
PT rev (3m)13.45%
EPS NQ rev (1m)-7.34%
EPS NQ rev (3m)5.75%
EPS NY rev (1m)-5.62%
EPS NY rev (3m)-6.26%
Revenue NQ rev (1m)-0.25%
Revenue NQ rev (3m)3.84%
Revenue NY rev (1m)-0.45%
Revenue NY rev (3m)-2.42%
Valuation
Industry RankSector Rank
PE 19.98
Fwd PE 14.6
P/S 1.98
P/FCF 79.85
P/OCF 30.95
P/B 1.19
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)1.52
EY5%
EPS(NY)2.08
Fwd EY6.85%
FCF(TTM)0.38
FCFY1.25%
OCF(TTM)0.98
OCFY3.23%
SpS15.32
BVpS25.46
TBVpS23.4
PEG (NY)0.54
PEG (5Y)5.01
Profitability
Industry RankSector 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 RankSector 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)58.68%
Cap/Depr(5y)70.11%
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)5946.15%
EPS 3Y-9.49%
EPS 5Y3.99%
EPS Q2Q%355.56%
EPS Next Y36.87%
EPS Next 2Y41.54%
EPS Next 3Y38.58%
EPS Next 5Y24.73%
Revenue 1Y (TTM)18.99%
Revenue growth 3Y11.11%
Revenue growth 5Y10.83%
Sales Q2Q%7.19%
Revenue Next Year-3.05%
Revenue Next 2Y-1.88%
Revenue Next 3Y1.08%
Revenue Next 5Y2.56%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year41.68%
EBIT Next 3Y32.43%
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%