(UBS) UBS - Ratings and Ratios
Wealth Management, Banking, Asset Management, Investment Bank
UBS EPS (Earnings per Share)
UBS Revenue
Description: UBS UBS September 25, 2025
UBS Group AG (NYSE:UBS) is a Swiss-based, globally diversified financial services firm that delivers advice and solutions to private, institutional, and corporate clients across five operating divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, Investment Bank, and Non-core & Legacy.
Its product suite spans traditional banking (deposits, credit/debit cards, mortgage and structured lending) and wealth-management services (estate planning, retirement solutions, multi-asset investment strategies), as well as corporate and institutional offerings such as equity & debt capital markets, syndicated credit, transaction banking, trade finance, and global custody.
On the investment-side, UBS provides access to equities, fixed income, hedge funds, real-estate and private-market assets, alongside indexed and alternative beta strategies, customized multi-asset solutions, and fiduciary advisory services. It also facilitates securities trading, risk-management, and liquidity provision across FX, rates, credit, and precious-metal markets.
Key quantitative indicators (as of FY 2023) include CHF 30 billion in assets under management, a net profit of CHF 7.5 billion, and a cost-to-income ratio of roughly 68 %, reflecting ongoing efficiency drives in a low-interest-rate environment. The firm’s return on equity (ROE) hovered around 12 %, consistent with peers in the diversified capital-markets sector.
Macro-level drivers that materially affect UBS’s outlook are: (1) the trajectory of global interest rates, which influence net interest margins in banking; (2) wealth-creation trends in Asia-Pacific, underpinning growth in Global Wealth Management; and (3) regulatory capital requirements that shape the scale and profitability of its investment-banking activities.
For a deeper quantitative comparison of UBSs valuation metrics against peers, the ValueRay platform offers a granular, data-driven dashboard worth exploring.
UBS Stock Overview
| Market Cap in USD | 120,824m |
| Sub-Industry | Diversified Capital Markets |
| IPO / Inception | 2014-11-21 |
UBS Stock Ratings
| Growth Rating | 89.3% |
| Fundamental | 58.7% |
| Dividend Rating | 36.0% |
| Return 12m vs S&P 500 | 5.27% |
| Analyst Rating | 2.50 of 5 |
UBS Dividends
| Dividend Yield 12m | 3.56% |
| Yield on Cost 5y | 12.09% |
| Annual Growth 5y | -7.93% |
| Payout Consistency | 68.7% |
| Payout Ratio | 49.6% |
UBS Growth Ratios
| Growth Correlation 3m | -38.2% |
| Growth Correlation 12m | 78.8% |
| Growth Correlation 5y | 95.9% |
| CAGR 5y | 34.77% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.29 |
| CAGR/Mean DD 3y (Pain Ratio) | 6.86 |
| Sharpe Ratio 12m | 1.19 |
| Alpha | 10.85 |
| Beta | 0.916 |
| Volatility | 24.53% |
| Current Volume | 1158.1k |
| Average Volume 20d | 1867.7k |
| Stop Loss | 36.8 (-3.3%) |
| Signal | 0.44 |
Piotroski VR‑10 (Strict, 0-10) 5.0
| Net Income (5.20b TTM) > 0 and > 6% of Revenue (6% = 2.45b TTM) |
| FCFTA 617.0 (>2.0%) and ΔFCFTA 61.7kpp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 0.41% (prev -1242 %; Δ 1242 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 28.11 (>3.0%) and CFO 8.21b > Net Income 5.20b (YES >=105%, WARN >=100%) |
| Net Debt (-14.0m) to EBITDA (14.80b) ratio: -0.00 <= 3.0 (WARN <= 3.5) |
| Current Ratio 4.52 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.31b) change vs 12m ago -1.12% (target <= -2.0% for YES) |
| Gross Margin 45.25% (prev 78.54%; Δ -33.29pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.02% (prev 2.78%; Δ 2.24pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.56 (EBITDA TTM 14.80b / Interest Expense TTM 21.67b) >= 6 (WARN >= 3) |
Altman Z'' 2.75
| (A) 0.58 = (Total Current Assets 217.0m - Total Current Liabilities 48.0m) / Total Assets 292.0m |
| (B) -0.12 = Retained Earnings (Balance) -36.0m / Total Assets 292.0m |
| (C) 0.02 = EBIT TTM 12.19b / Avg Total Assets 812.12b |
| (D) -0.71 = Book Value of Equity -36.0m / Total Liabilities 51.0m |
| Total Rating: 2.75 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 58.73
| 1. Piotroski 5.0pt = 0.0 |
| 2. FCF Yield 39.36% = 5.0 |
| 3. FCF Margin data missing |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda -0.00 = 2.50 |
| 6. ROIC - WACC (= -0.24)% = -0.30 |
| 7. RoE 7.94% = 0.66 |
| 8. Rev. Trend -26.50% = -1.99 |
| 9. EPS Trend 57.12% = 2.86 |
What is the price of UBS shares?
Over the past week, the price has changed by +0.03%, over one month by -7.31%, over three months by +0.00% and over the past year by +20.84%.
Is UBS a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UBS is around 48.00 USD . This means that UBS is currently undervalued and has a potential upside of +26.18% (Margin of Safety).
Is UBS a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 1
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the UBS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 41.2 | 8.2% |
| Analysts Target Price | 41.2 | 8.2% |
| ValueRay Target Price | 50.6 | 33.1% |
UBS Fundamental Data Overview November 01, 2025
P/E Trailing = 17.2793
P/E Forward = 14.3678
P/S = 2.5071
P/B = 1.432
P/EG = 0.5909
Beta = 0.916
Revenue TTM = 40.81b USD
EBIT TTM = 12.19b USD
EBITDA TTM = 14.80b USD
Long Term Debt = 322.13b USD (from longTermDebt, last fiscal year)
Short Term Debt = 51.14b USD (from shortTermDebt, last fiscal year)
Debt = 336.96b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -14.0m USD (from netDebt column, last quarter)
Enterprise Value = 457.77b USD (120.82b + Debt 336.96b - CCE 14.0m)
Interest Coverage Ratio = 0.56 (Ebit TTM 12.19b / Interest Expense TTM 21.67b)
FCF Yield = 39.36% (FCF TTM 180.18b / Enterprise Value 457.77b)
FCF Margin = 441.5% (FCF TTM 180.18b / Revenue TTM 40.81b)
Net Margin = 12.74% (Net Income TTM 5.20b / Revenue TTM 40.81b)
Gross Margin = 45.25% ((Revenue TTM 40.81b - Cost of Revenue TTM 22.34b) / Revenue TTM)
Gross Margin QoQ = 80.0% (prev 61.89%)
Tobins Q-Ratio = 1568 (set to none) (Enterprise Value 457.77b / Total Assets 292.0m)
Interest Expense / Debt = 0.01% (Interest Expense 20.0m / Debt 336.96b)
Taxrate = 22.73% (100.0m / 440.0m)
NOPAT = 9.42b (EBIT 12.19b * (1 - 22.73%))
Current Ratio = 4.52 (Total Current Assets 217.0m / Total Current Liabilities 48.0m)
Debt / Equity = 1398 (out of range, set to none) (Debt 336.96b / totalStockholderEquity, last quarter 241.0m)
Debt / EBITDA = -0.00 (Net Debt -14.0m / EBITDA 14.80b)
Debt / FCF = -0.00 (Net Debt -14.0m / FCF TTM 180.18b)
Total Stockholder Equity = 65.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 1780 % (out of range, set to none)
RoE = 7.94% (Net Income TTM 5.20b / Total Stockholder Equity 65.45b)
RoCE = 3.14% (EBIT 12.19b / Capital Employed (Equity 65.45b + L.T.Debt 322.13b))
RoIC = 2.25% (NOPAT 9.42b / Invested Capital 419.51b)
WACC = 2.48% (E(120.82b)/V(457.78b) * Re(9.39%) + D(336.96b)/V(457.78b) * Rd(0.01%) * (1-Tc(0.23)))
Discount Rate = 9.39% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.25%
[DCF Debug] Terminal Value 68.57% ; FCFE base≈128.89b ; Y1≈99.98b ; Y5≈63.83b
Fair Price DCF = 306.6 (DCF Value 957.86b / Shares Outstanding 3.12b; 5y FCF grow -26.71% → 3.0% )
EPS Correlation: 57.12 | EPS CAGR: 24.72% | SUE: 1.54 | # QB: 1
Revenue Correlation: -26.50 | Revenue CAGR: -53.03% | SUE: -0.66 | # QB: 0
Additional Sources for UBS Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle