UBS GROUP AG-REG (UBS)
CH0244767585 - Common Stock
We assign a fundamental rating of 4 out of 10 to UBS. UBS was compared to 220 industry peers in the Capital Markets industry. UBS may be in some trouble as it scores bad on both profitability and health. UBS is showing excellent growth while it is valued at reasonable prices. Keep and eye on this one!
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
UBS has a Return On Assets of 0.18%. This is in the lower half of the industry: UBS underperforms 76.50% of its industry peers.
With a Return On Equity value of 3.37%, UBS is not doing good in the industry: 70.97% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.18% | ||
| ROE | 3.37% | ||
| 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 worse Profit Margin (5.82%) than 68.66% of its industry peers.
UBS's Profit Margin has improved 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 5.82% | ||
| 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
Compared to 1 year ago, UBS has more shares outstanding
Compared to 5 years ago, UBS has less shares outstanding
UBS has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of UBS is 7.28, which is on the high side as it means it would take UBS, 7.28 years of fcf income to pay off 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.
UBS has a Debt to Equity ratio of 4.35. This is amonst the worse of the industry: UBS underperforms 83.87% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.35 | ||
| Debt/FCF | 7.28 | ||
| 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 38.30%, which is quite impressive.
UBS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 48.25% yearly.
Looking at the last year, UBS shows a very strong growth in Revenue. The Revenue has grown by 26.12%.
The Revenue has been growing slightly by 6.08% on average over the past years.
EPS 1Y (TTM)38.3%
EPS 3Y68.38%
EPS 5Y48.25%
EPS Q2Q%279.17%
Revenue 1Y (TTM)26.12%
Revenue growth 3Y7.27%
Revenue growth 5Y6.08%
Sales Q2Q%5.46%
3.2 Future
The Earnings Per Share is expected to grow by 59.27% on average over the next years. This is a very strong growth
UBS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.22% yearly.
EPS Next Y473.53%
EPS Next 2Y164.13%
EPS Next 3Y110.86%
EPS Next 5Y59.27%
Revenue Next Year15.5%
Revenue Next 2Y7.27%
Revenue Next 3Y5.72%
Revenue Next 5Y5.22%
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
With a Price/Earnings ratio of 39.28, UBS can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Earnings ratio of UBS indicates a slightly more expensive valuation: UBS is more expensive than 77.42% of the companies listed in the same industry.
UBS is valuated rather expensively when we compare the Price/Earnings ratio to 27.55, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 13.81, which indicates a correct valuation of UBS.
The rest of the industry has a similar Price/Forward Earnings ratio as UBS.
UBS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 24.00, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.28 | ||
| Fwd PE | 13.81 |
4.2 Price Multiples
UBS's Price/Free Cash Flow ratio is rather cheap when compared to the industry. UBS is cheaper than 93.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.04 | ||
| 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 110.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
PEG (5Y)0.81
EPS Next 2Y164.13%
EPS Next 3Y110.86%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.34%, UBS has a reasonable but not impressive dividend return.
UBS's Dividend Yield is slightly below the industry average, which is at 9.57.
UBS's Dividend Yield is comparable with the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.34% |
5.2 History
The dividend of UBS decreases each year by -4.19%.
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)-4.19%
Div Incr Years3
Div Non Decr Years3
5.3 Sustainability
77.00% of the earnings are spent on dividend by UBS. This is not a sustainable payout ratio.
DP77%
EPS Next 2Y164.13%
EPS Next 3Y110.86%
UBS GROUP AG-REG
NYSE:UBS (12/26/2024, 8:04:00 PM)
Premarket: 30.66 +0.02 (+0.07%)30.64
+0.09 (+0.29%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)
Earnings (Next)
Inst Owners54.06%
Inst Owner Change-2.48%
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap106.08B
Analysts70
Price Target33.83 (10.41%)
Short Float %0.24%
Short Ratio5.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.34% |
Dividend Growth(5Y)-4.19%
DP77%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)-83.6%
Min EPS beat(4)-466.95%
Max EPS beat(4)97.78%
EPS beat(8)4
Avg EPS beat(8)-84.17%
EPS beat(12)8
Avg EPS beat(12)-49.73%
EPS beat(16)11
Avg EPS beat(16)-30.19%
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)2.19%
PT rev (3m)-0.28%
EPS NQ rev (1m)-3.5%
EPS NQ rev (3m)2.23%
EPS NY rev (1m)0%
EPS NY rev (3m)11.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)5.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 39.28 | ||
| Fwd PE | 13.81 | ||
| P/S | 2.11 | ||
| P/FCF | 2.04 | ||
| P/OCF | 1.97 | ||
| P/B | 1.22 | ||
| P/tB | 1.33 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.78
EY2.55%
EPS(NY)2.22
Fwd EY7.24%
FCF(TTM)15.01
FCFY48.99%
OCF(TTM)15.57
OCFY50.81%
SpS14.55
BVpS25.14
TBVpS23.1
PEG (NY)0.08
PEG (5Y)0.81
Profitability
| Industry Rank | Sector 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)0.99%
ROA(5y)0.8%
ROE(3y)19.35%
ROE(5y)15.4%
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 3Y50.97%
PM growth 5Y35.64%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector 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)73.49%
Cap/Depr(5y)78.85%
Cap/Sales(3y)4.46%
Cap/Sales(5y)4.77%
Profit Quality(3y)290.05%
Profit Quality(5y)365.31%
High Growth Momentum
Growth
EPS 1Y (TTM)38.3%
EPS 3Y68.38%
EPS 5Y48.25%
EPS Q2Q%279.17%
EPS Next Y473.53%
EPS Next 2Y164.13%
EPS Next 3Y110.86%
EPS Next 5Y59.27%
Revenue 1Y (TTM)26.12%
Revenue growth 3Y7.27%
Revenue growth 5Y6.08%
Sales Q2Q%5.46%
Revenue Next Year15.5%
Revenue Next 2Y7.27%
Revenue Next 3Y5.72%
Revenue Next 5Y5.22%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year108.83%
EBIT Next 3Y53.01%
EBIT Next 5YN/A
FCF growth 1Y121.48%
FCF growth 3Y33.96%
FCF growth 5Y25.39%
OCF growth 1Y114.45%
OCF growth 3Y32.55%
OCF growth 5Y24.38%