(UBS) UBS - Ratings and Ratios

Exchange: NYSE • Country: Switzerland • Currency: USD • Type: Common Stock • ISIN: CH0244767585

Advisory, Wealth Management, Banking, Asset Management, Investment Banking

Stock: Diversified Capital Markets
Age 11.2y

MCap 149,840m
Avg Vol 1.71M (81.2M USD)

Beta 0.944
Volatility 24.23%

EPS (Earnings per Share)

EPS CAGR: -17.81%
EPS Trend: 7.5%

Last SUE: -1.48
Qual. Beats: 0

Revenue

Rev. CAGR: 22.27%
Rev. Trend: 90.4%

Last SUE: 0.62
Qual. Beats: 0

Dividends

Dividend Yield	4.75%
Yield on Cost 5y	10.97%
Yield CAGR 5y	38.31%
Payout Consistency	69.3%
Payout Ratio	49.6%

Risk via 5d forecast
Volatility	24.2%
Value at Risk 5%th	38.7%
Relative Tail Risk	-2.89%

Reward TTM
Sharpe Ratio	1.22
Alpha	29.48
CAGR/Max DD	1.33

Character TTM
Hurst Exponent	0.548
Beta	0.944
Beta Downside	0.986

Drawdowns 3y
Max DD	27.00%
Mean DD	5.28%
Median DD	4.36%

Description: UBS UBS December 02, 2025

UBS Group AG (NYSE:UBS) is a globally diversified financial services firm that serves private, institutional, and corporate clients through five operating divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, Investment Bank, and Non-core & Legacy.

The firm delivers a broad suite of solutions, ranging from wealth planning, mortgage and structured-lending products, and retail banking services to corporate financing, equity & debt capital markets, trade finance, and global custody. Its investment capabilities span equities, fixed income, hedge funds, real-estate, private-market and alternative-beta strategies, as well as multi-asset and advisory solutions.

UBS also acts as a market intermediary, enabling clients to trade and finance securities, manage liquidity and risk, and raise capital through underwriting, syndication, and structured-credit activities across FX, rates, credit and precious-metal markets.

Key recent metrics: as of FY 2023, UBS reported CHF 13.5 billion in net profit, AUM of CHF 3.6 trillion, and a cost-to-income ratio of 71 %-the lowest among major European banks, reflecting strong operational efficiency.

Sector drivers that materially affect UBS’s outlook include the European interest-rate environment (higher rates boost net interest income for its banking franchise), the accelerating wealth-creation trend in Asia-Pacific (fueling Global Wealth Management inflows), and tightening Basel III capital requirements that pressure leverage ratios for its investment-banking activities.

For a data-rich, quantitative assessment of UBS’s valuation dynamics, a quick look at ValueRay’s analyst-grade models can help you surface hidden risk-adjusted upside.

Piotroski VR‑10 (Strict, 0-10) 2.5

Net Income: 7.34b TTM > 0 and > 6% of Revenue
FCF/TA: 0.00 > 0.02 and ΔFCF/TA -3.07 > 1.0
NWC/Revenue: -957.1% < 20% (prev -1026 %; Δ 68.52% < -1%)
CFO/TA 0.00 > 3% & CFO 4.29b > Net Income 7.34b
Net Debt (144.49b) to EBITDA (11.86b): 12.19 < 3
Current Ratio: 0.28 > 1.5 & < 3
Outstanding Shares: last quarter (3.31b) vs 12m ago -1.12% < -2%
Gross Margin: 61.29% > 18% (prev 0.82%; Δ 6047 % > 0.5%)
Asset Turnover: 4.57% > 50% (prev 3.37%; Δ 1.21% > 0%)
Interest Coverage Ratio: 0.38 > 6 (EBITDA TTM 11.86b / Interest Expense TTM 21.67b)

Altman Z'' -2.61

A: -0.44 (Total Current Assets 278.30b - Total Current Liabilities 991.04b) / Total Assets 1632.25b
B: 0.05 (Retained Earnings 81.67b / Total Assets 1632.25b)
C: 0.01 (EBIT TTM 8.20b / Avg Total Assets 1628.10b)
D: 0.06 (Book Value of Equity 87.61b / Total Liabilities 1542.05b)
Altman-Z'' Score: -2.61 = D

Beneish M -2.51

DSRI: 0.85 (Receivables 45.28b/39.03b, Revenue 74.47b/54.70b)
GMI: 1.34 (GM 61.29% / 82.28%)
AQI: 1.11 (AQ_t 0.82 / AQ_t-1 0.74)
SGI: 1.36 (Revenue 74.47b / 54.70b)
TATA: 0.00 (NI 7.34b - CFO 4.29b) / TA 1632.25b)
Beneish M-Score: -2.51 (Cap -4..+1) = A

ValueRay F-Score (Strict, 0-100) 50.55

1. Piotroski: 2.50pt
2. FCF Yield: 0.72%
3. FCF Margin: 2.76%
4. Debt/Equity: 4.07
5. Debt/Ebitda: 12.19
6. ROIC - WACC: -1.02%
7. RoE: 8.35%
8. Revenue Trend: 90.42%
9. EPS Trend: 7.52%

What is the price of UBS shares?

As of January 26, 2026, the stock is trading at USD 47.55 with a total of 3,623,892 shares traded.
Over the past week, the price has changed by +2.32%, over one month by +0.59%, over three months by +23.19% and over the past year by +39.39%.

Is UBS a buy, sell or hold?

UBS has received a consensus analysts rating of 2.50. Therefor, it is recommend to sell UBS.

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	49.3	3.7%
Analysts Target Price	49.3	3.7%
ValueRay Target Price	65.6	38%

UBS Fundamental Data Overview January 24, 2026

P/E Trailing = 21.6136
P/E Forward = 16.5017
P/S = 3.1092
P/B = 1.6649
P/EG = 0.5909
Revenue TTM = 74.47b USD
EBIT TTM = 8.20b USD
EBITDA TTM = 11.86b USD
Long Term Debt = 308.56b USD (from longTermDebt, last quarter)
Short Term Debt = 52.98b USD (from shortTermDebt, last quarter)
Debt = 365.90b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 144.49b USD (from netDebt column, last quarter)
Enterprise Value = 284.53b USD (149.84b + Debt 365.90b - CCE 231.21b)
Interest Coverage Ratio = 0.38 (Ebit TTM 8.20b / Interest Expense TTM 21.67b)
EV/FCF = 138.3x (Enterprise Value 284.53b / FCF TTM 2.06b)
FCF Yield = 0.72% (FCF TTM 2.06b / Enterprise Value 284.53b)
FCF Margin = 2.76% (FCF TTM 2.06b / Revenue TTM 74.47b)
Net Margin = 9.85% (Net Income TTM 7.34b / Revenue TTM 74.47b)
Gross Margin = 61.29% ((Revenue TTM 74.47b - Cost of Revenue TTM 28.83b) / Revenue TTM)
Gross Margin QoQ = 63.90% (prev 61.89%)
Tobins Q-Ratio = 0.17 (Enterprise Value 284.53b / Total Assets 1632.25b)
Interest Expense / Debt = 0.01% (Interest Expense 20.0m / Debt 365.90b)
Taxrate = 12.06% (341.0m / 2.83b)
NOPAT = 7.21b (EBIT 8.20b * (1 - 12.06%))
Current Ratio = 0.28 (Total Current Assets 278.30b / Total Current Liabilities 991.04b)
Debt / Equity = 4.07 (Debt 365.90b / totalStockholderEquity, last quarter 89.90b)
Debt / EBITDA = 12.19 (Net Debt 144.49b / EBITDA 11.86b)
Debt / FCF = 70.21 (Net Debt 144.49b / FCF TTM 2.06b)
Total Stockholder Equity = 87.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.45% (Net Income 7.34b / Total Assets 1632.25b)
RoE = 8.35% (Net Income TTM 7.34b / Total Stockholder Equity 87.86b)
RoCE = 2.07% (EBIT 8.20b / Capital Employed (Equity 87.86b + L.T.Debt 308.56b))
RoIC = 1.71% (NOPAT 7.21b / Invested Capital 421.47b)
WACC = 2.73% (E(149.84b)/V(515.74b) * Re(9.39%) + D(365.90b)/V(515.74b) * Rd(0.01%) * (1-Tc(0.12)))
Discount Rate = 9.39% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.25%
[DCF Debug] Terminal Value 80.82% ; FCFF base≈22.02b ; Y1≈14.46b ; Y5≈6.60b
Fair Price DCF = 21.03 (EV 210.17b - Net Debt 144.49b = Equity 65.68b / Shares 3.12b; r=5.90% [WACC]; 5y FCF grow -40.0% → 2.90% )
[DCF Warning] FCF declining rapidly (-40.0%), DCF may be unreliable
EPS Correlation: 7.52 | EPS CAGR: -17.81% | SUE: -1.48 | # QB: 0
Revenue Correlation: 90.42 | Revenue CAGR: 22.27% | SUE: 0.62 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.80 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS next Year (2026-12-31): EPS=3.19 | Chg30d=-0.000 | Revisions Net=+1 | Growth EPS=+5.3% | Growth Revenue=+4.0%

Additional Sources for UBS Stock

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