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UBS GROUP AG-REG (UBS) Stock Fundamental Analysis

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

35.48  +0.11 (+0.31%)

Fundamental Rating

4

Overall UBS gets a fundamental rating of 4 out of 10. We evaluated UBS against 222 industry peers in the Capital Markets industry. Both the profitability and financial health of UBS have multiple concerns. UBS is growing strongly while it is still valued neutral. This is a good combination!


Dividend Valuation Growth Profitability Health

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3

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.
UBS had a positive operating cash flow in each of the past 5 years.
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 0 20B -20B 40B -40B 60B 80B

1.2 Ratios

UBS has a Return On Assets of 0.18%. This is in the lower half of the industry: UBS underperforms 76.04% of its industry peers.
The Return On Equity of UBS (3.37%) is worse than 70.51% of its industry peers.
Industry RankSector 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
UBS Yearly ROA, ROE, ROICUBS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

1.3 Margins

Looking at the Profit Margin, with a value of 5.82%, UBS is doing worse than 68.20% of the companies in the same industry.
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 RankSector 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
UBS Yearly Profit, Operating, Gross MarginsUBS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 20 40 60

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1

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.
The debt/assets ratio for UBS is higher compared to a year ago.
UBS Yearly Shares OutstandingUBS Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 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.
With a Debt to FCF ratio value of 7.28, UBS perfoms like the industry average, outperforming 55.76% of the companies in the same industry.
UBS has a Debt/Equity ratio of 4.35. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 4.35, UBS is not doing good in the industry: 83.87% of the companies in the same industry are doing better.
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 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 50B 100B 150B 200B

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7

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 112.77% over the past year.
The Earnings Per Share has been growing by 48.25% on average over the past years. This is a very strong growth
The Revenue has grown by 26.12% in the past year. This is a very strong growth!
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)112.77%
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

Based on estimates for the next years, UBS will show a very strong growth in Earnings Per Share. The EPS will grow by 170.00% on average per year.
Based on estimates for the next years, UBS will show a small growth in Revenue. The Revenue will grow by 5.22% on average per year.
EPS Next Y6507.56%
EPS Next 2Y834.69%
EPS Next 3Y404.65%
EPS Next 5Y170%
Revenue Next Year17.69%
Revenue Next 2Y7.97%
Revenue Next 3Y6.16%
Revenue Next 5Y5.22%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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.
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

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5

4. Valuation

4.1 Price/Earnings Ratio

UBS is valuated quite expensively with a Price/Earnings ratio of 29.57.
70.05% of the companies in the same industry are cheaper than UBS, based on the Price/Earnings ratio.
UBS's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.58.
With a Price/Forward Earnings ratio of 15.99, UBS is valued correctly.
UBS's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.47, UBS is valued a bit cheaper.
Industry RankSector Rank
PE 29.57
Fwd PE 15.99
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

Based on the Price/Free Cash Flow ratio, UBS is valued cheaper than 91.71% of the companies in the same industry.
Industry RankSector Rank
P/FCF 2.36
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

UBS's 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 404.65% in the coming years.
PEG (NY)0
PEG (5Y)0.61
EPS Next 2Y834.69%
EPS Next 3Y404.65%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.01%, UBS has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 9.43, UBS is paying slightly less dividend.
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 2.01%

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
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 2Y834.69%
EPS Next 3Y404.65%
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 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 (1/27/2025, 11:56:56 AM)

35.48

+0.11 (+0.31%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryCapital Markets
Earnings (Last)10-30 2024-10-30/bmo
Earnings (Next)02-04 2025-02-04/amc
Inst Owners54.06%
Inst Owner Change0.05%
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap122.83B
Analysts70
Price Target33.09 (-6.74%)
Short Float %0.19%
Short Ratio4.24
Dividend
Industry RankSector Rank
Dividend Yield 2.01%
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)-2.19%
PT rev (3m)-0.05%
EPS NQ rev (1m)-9.61%
EPS NQ rev (3m)-7.6%
EPS NY rev (1m)0%
EPS NY rev (3m)11.48%
Revenue NQ rev (1m)-0.95%
Revenue NQ rev (3m)4.21%
Revenue NY rev (1m)1.89%
Revenue NY rev (3m)2.48%
Valuation
Industry RankSector Rank
PE 29.57
Fwd PE 15.99
P/S 2.44
P/FCF 2.36
P/OCF 2.28
P/B 1.41
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)1.2
EY3.38%
EPS(NY)2.22
Fwd EY6.26%
FCF(TTM)15.01
FCFY42.31%
OCF(TTM)15.57
OCFY43.88%
SpS14.55
BVpS25.14
TBVpS23.1
PEG (NY)0
PEG (5Y)0.61
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)0.99%
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 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)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)112.77%
EPS 3Y68.38%
EPS 5Y48.25%
EPS Q2Q%279.17%
EPS Next Y6507.56%
EPS Next 2Y834.69%
EPS Next 3Y404.65%
EPS Next 5Y170%
Revenue 1Y (TTM)26.12%
Revenue growth 3Y7.27%
Revenue growth 5Y6.08%
Sales Q2Q%5.46%
Revenue Next Year17.69%
Revenue Next 2Y7.97%
Revenue Next 3Y6.16%
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%