(UBS) UBS - Overview
Stock: Wealth Management, Investment Banking, Asset Management, Retail Banking
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 4.75% |
| Yield on Cost 5y | 14.61% |
| Yield CAGR 5y | 38.31% |
| Payout Consistency | 69.3% |
| Payout Ratio | 45.0% |
| Risk 5d forecast | |
|---|---|
| Volatility | 30.7% |
| Relative Tail Risk | -3.08% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.11 |
| Alpha | 25.86 |
| Character TTM | |
|---|---|
| Beta | 0.977 |
| Beta Downside | 0.961 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.00% |
| CAGR/Max DD | 1.18 |
Description: UBS UBS January 27, 2026
UBS Group AG (NYSE:UBS) is a global financial services firm that serves private, institutional, and corporate clients through five core divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, Investment Bank, and Non-core & Legacy. The firm delivers a broad suite of offerings-including investment advice, estate and wealth planning, mortgage and structured-lending solutions, corporate financing, capital-markets execution, and multi-asset investment products-while also providing digital banking, payment, and cash-management services.
Recent performance metrics (FY 2024) show a net profit of CHF 8.5 billion, assets under management (AUM) of CHF 4.2 trillion, and a cost-to-income ratio of 62%, reflecting efficient operations across its diversified platform. The CET1 capital ratio stands at 15.2%, underscoring strong solvency. Wealth Management assets grew 6% YoY, driven primarily by rising inflows in the Asia-Pacific region, while the Investment Bank generated CHF 2.1 billion in fee revenue, benefitting from heightened market volatility and sustained demand for equity-linked underwriting.
Key sector drivers include the current low-interest-rate environment that pressures net interest margins in banking, offset by fee-based income growth in wealth and investment banking, and regulatory capital requirements that favor well-capitalized, diversified banks like UBS. If you want a data-rich, quantitative deep-dive on UBS’s valuation and risk profile, a quick look at its metrics on ValueRay can be a useful next step.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 8.14b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -3.19 > 1.0 |
| NWC/Revenue: -1370 % < 20% (prev -802.7%; Δ -567.1% < -1%) |
| CFO/TA 0.00 > 3% & CFO 4.29b > Net Income 8.14b |
| Net Debt (365.90b) to EBITDA (11.53b): 31.73 < 3 |
| Current Ratio: 0.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.31b) vs 12m ago -0.88% < -2% |
| Gross Margin: 60.19% > 18% (prev 0.72%; Δ 5947 % > 0.5%) |
| Asset Turnover: 3.25% > 50% (prev 4.04%; Δ -0.78% > 0%) |
| Interest Coverage Ratio: 0.52 > 6 (EBITDA TTM 11.53b / Interest Expense TTM 13.79b) |
Altman Z'' -2.67
| 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: 0.00 (EBIT TTM 7.15b / Avg Total Assets 1598.64b) |
| D: 0.0 (Book Value of Equity 0.0 / Total Liabilities 1542.05b) |
| Altman-Z'' Score: -2.67 = D |
What is the price of UBS shares?
Over the past week, the price has changed by -6.87%, over one month by -7.07%, over three months by +15.43% and over the past year by +37.94%.
Is UBS a buy, sell or hold?
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the UBS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 49.3 | 12.3% |
| Analysts Target Price | 49.3 | 12.3% |
| ValueRay Target Price | 60.2 | 37.1% |
UBS Fundamental Data Overview February 07, 2026
P/E Forward = 13.5501
P/S = 2.8286
P/B = 1.5
P/EG = 0.5909
Revenue TTM = 52.03b USD
EBIT TTM = 7.15b USD
EBITDA TTM = 11.53b USD
Long Term Debt = 308.56b USD (from longTermDebt, two quarters ago)
Short Term Debt = 52.98b USD (from shortTermDebt, two quarters ago)
Debt = 365.90b USD (from shortLongTermDebtTotal, two quarters ago)
Net Debt = 365.90b USD (using Total Debt 365.90b, CCE unavailable)
Enterprise Value = 504.64b USD (138.74b + Debt 365.90b - (null CCE))
Interest Coverage Ratio = 0.52 (Ebit TTM 7.15b / Interest Expense TTM 13.79b)
EV/FCF = 245.2x (Enterprise Value 504.64b / FCF TTM 2.06b)
FCF Yield = 0.41% (FCF TTM 2.06b / Enterprise Value 504.64b)
FCF Margin = 3.96% (FCF TTM 2.06b / Revenue TTM 52.03b)
Net Margin = 15.64% (Net Income TTM 8.14b / Revenue TTM 52.03b)
Gross Margin = 60.19% ((Revenue TTM 52.03b - Cost of Revenue TTM 20.71b) / Revenue TTM)
Gross Margin QoQ = none% (prev 63.90%)
Tobins Q-Ratio = 0.31 (Enterprise Value 504.64b / Total Assets 1632.25b)
Interest Expense / Debt = 0.01% (Interest Expense 20.0m / Debt 365.90b)
Taxrate = 25.66% (544.2m / 2.12b)
NOPAT = 5.32b (EBIT 7.15b * (1 - 25.66%))
Current Ratio = 0.28 (Total Current Assets 278.30b / Total Current Liabilities 991.04b)
Debt / Equity = 4.07 (Debt 365.90b / totalStockholderEquity, two quarters ago 89.90b)
Debt / EBITDA = 31.73 (Net Debt 365.90b / EBITDA 11.53b)
Debt / FCF = 177.8 (Net Debt 365.90b / FCF TTM 2.06b)
Total Stockholder Equity = 87.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.51% (Net Income 8.14b / Total Assets 1632.25b)
RoE = 9.26% (Net Income TTM 8.14b / Total Stockholder Equity 87.86b)
RoCE = 1.80% (EBIT 7.15b / Capital Employed (Equity 87.86b + L.T.Debt 308.56b))
RoIC = 1.25% (NOPAT 5.32b / Invested Capital 426.22b)
WACC = 2.62% (E(138.74b)/V(504.64b) * Re(9.52%) + D(365.90b)/V(504.64b) * Rd(0.01%) * (1-Tc(0.26)))
Discount Rate = 9.52% (= 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 = N/A (negative equity: EV 210.17b - Net Debt 365.90b = -155.73b; debt exceeds intrinsic value)
EPS Correlation: 26.36 | EPS CAGR: 2.54% | SUE: 0.39 | # QB: 0
Revenue Correlation: -35.84 | Revenue CAGR: -49.77% | SUE: 1.03 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.80 | Chg30d=N/A | Revisions Net=+0 | Analysts=1
EPS current Year (2026-12-31): EPS=3.19 | Chg30d=-0.000 | Revisions Net=-1 | Growth EPS=+6.1% | Growth Revenue=+3.1%
EPS next Year (2027-12-31): EPS=3.67 | Chg30d=+0.560 | Revisions Net=+1 | Growth EPS=+15.0% | Growth Revenue=+4.9%