(UBS) UBS - Ratings and Ratios
Wealth Management, Banking, Asset Management, Investment Bank
Dividends
| Dividend Yield | 3.51% |
| Yield on Cost 5y | 11.27% |
| Yield CAGR 5y | -7.93% |
| Payout Consistency | 67.4% |
| Payout Ratio | 49.6% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 26.8% |
| Value at Risk 5%th | 43.1% |
| Relative Tail Risk | -2.32% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.89 |
| Alpha | 10.99 |
| CAGR/Max DD | 1.23 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.491 |
| Beta | 0.967 |
| Beta Downside | 0.983 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.00% |
| Mean DD | 5.24% |
| Median DD | 4.33% |
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.
Piotroski VR‑10 (Strict, 0-10) 1.5
| Net Income (7.34b TTM) > 0 and > 6% of Revenue (6% = 4.47b TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -3.07pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -957.1% (prev -1026 %; Δ 68.52pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.00 (>3.0%) and CFO 4.29b <= Net Income 7.34b (YES >=105%, WARN >=100%) |
| Net Debt (144.49b) to EBITDA (11.86b) ratio: 12.19 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.28 (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 61.29% (prev 82.28%; Δ -20.99pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.57% (prev 3.37%; Δ 1.21pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.38 (EBITDA TTM 11.86b / Interest Expense TTM 21.67b) >= 6 (WARN >= 3) |
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 (Balance) 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 |
| Total Rating: -2.61 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 50.63
| 1. Piotroski 1.50pt |
| 2. FCF Yield 0.81% |
| 3. FCF Margin 2.76% |
| 4. Debt/Equity 4.07 |
| 5. Debt/Ebitda 12.19 |
| 6. ROIC - WACC (= -0.64)% |
| 7. RoE 8.35% |
| 8. Rev. Trend 90.24% |
| 9. EPS Trend 19.00% |
What is the price of UBS shares?
Over the past week, the price has changed by +4.92%, over one month by +0.63%, over three months by -2.67% and over the past year by +25.43%.
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 | 6.7% |
| Analysts Target Price | 41.2 | 6.7% |
| ValueRay Target Price | 50.1 | 29.8% |
UBS Fundamental Data Overview November 26, 2025
P/E Trailing = 16.5595
P/E Forward = 11.534
P/S = 2.4579
P/B = 1.2784
P/EG = 0.4746
Beta = 0.857
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 = 253.14b USD (118.45b + Debt 365.90b - CCE 231.21b)
Interest Coverage Ratio = 0.38 (Ebit TTM 8.20b / Interest Expense TTM 21.67b)
FCF Yield = 0.81% (FCF TTM 2.06b / Enterprise Value 253.14b)
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 = 0.16 (Enterprise Value 253.14b / 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 = 2.35% (E(118.45b)/V(484.36b) * Re(9.58%) + D(365.90b)/V(484.36b) * Rd(0.01%) * (1-Tc(0.12)))
Discount Rate = 9.58% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.25%
[DCF Debug] Terminal Value 63.84% ; FCFE base≈22.02b ; Y1≈14.46b ; Y5≈6.61b
Fair Price DCF = 32.85 (DCF Value 102.62b / Shares Outstanding 3.12b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 19.00 | EPS CAGR: 26.51% | SUE: 1.54 | # QB: 1
Revenue Correlation: 90.24 | Revenue CAGR: 22.27% | SUE: 0.62 | # QB: 0
EPS current Year (2025-12-31): EPS=2.66 | Chg30d=+0.046 | Revisions Net=+0 | Growth EPS=+34.7% | Growth Revenue=-11.1%
EPS next Year (2026-12-31): EPS=2.94 | Chg30d=-0.069 | Revisions Net=-1 | Growth EPS=+10.7% | Growth Revenue=+2.6%
Additional Sources for UBS Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle