(UBS) UBS - Overview
Sector: Financial Services | Industry: Banks - Diversified | Exchange: NYSE (USA) | Market Cap: 151.730m USD | Total Return: 51.8% in 12m
Avg Turnover: 99.6M
Qual. Beats: 0
Rev. Trend: 40.9%
Qual. Beats: 2
Warnings
Share dilution 21.4% YoY
Tailwinds
Supp Ema20
UBS Group AG is a Zurich-based global financial services firm operating across five primary segments: Global Wealth Management, Personal & Corporate Banking, Asset Management, the Investment Bank, and Non-Core and Legacy. The company provides a comprehensive suite of services including estate planning, capital markets advisory, and diversified lending against assets such as real estate, securities, and aircraft.
As a leader in the Diversified Capital Markets sub-industry, UBS utilizes a capital-light business model that prioritizes fee-based income from high-net-worth clients over traditional interest-spread lending. The wealth management sector is currently characterized by increased consolidation, as seen with the recent integration of Credit Suisse operations, which has significantly expanded the firms global assets under management.
For a detailed breakdown of these operational shifts and valuation metrics, consider reviewing the latest data on ValueRay. This analysis highlights the firms pivot toward digital banking channels and its specialized rates and credit platforms designed for institutional sponsors.
- Integration of Credit Suisse assets drives long-term cost synergy realization
- Global Wealth Management net new asset inflows dictate valuation multiples
- Swiss regulatory capital requirements impact shareholder return and buyback capacity
- Global interest rate pivots shift net interest income and lending margins
- Investment Bank advisory fees fluctuate based on institutional capital market activity
| Net Income: 7.87b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.14 > 1.0 |
| NWC/Revenue: -1.26k% < 20% (prev -952.0%; Δ -304.6% < -1%) |
| CFO/TA 0.01 > 3% & CFO 17.3b > Net Income 7.87b |
| Net Debt (35.6b) to EBITDA (11.9b): 2.98 < 3 |
| Current Ratio: 0.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (4.04b) vs 12m ago 21.39% < -2% |
| Gross Margin: 65.75% > 18% (prev 0.57%; Δ 6.52k% > 0.5%) |
| Asset Turnover: 3.91% > 50% (prev 4.47%; Δ -0.56% > 0%) |
| Interest Coverage Ratio: 0.43 > 6 (EBITDA TTM 11.9b / Interest Expense TTM 21.3b) |
| A: -0.47 (Total Current Assets 227b - Total Current Liabilities 1023b) / Total Assets 1696b |
| B: 0.05 (Retained Earnings 86.9b / Total Assets 1696b) |
| C: 0.01 (EBIT TTM 9.18b / Avg Total Assets 1620b) |
| D: 0.06 (Book Value of Equity 92.5b / Total Liabilities 1603b) |
| Altman-Z'' = -2.82 = D |
| DSRI: 1.06 (Receivables 40.8b/41.7b, Revenue 63.4b/69.0b) |
| GMI: 0.87 (GM 65.75% / 57.01%) |
| AQI: 1.06 (AQ_t 0.86 / AQ_t-1 0.81) |
| SGI: 0.92 (Revenue 63.4b / 69.0b) |
| TATA: -0.01 (NI 7.87b - CFO 17.3b) / TA 1696b) |
| Beneish M = -3.12 (Cap -4..+1) = AA |
As of May 24, 2026, the stock is trading at USD 47.57 with a total of 3,385,413 shares traded.
Over the past week, the price has changed by +3.12%,
over one month by +14.42%,
over three months by +16.02% and
over the past year by +51.81%.
UBS has received a consensus analysts rating of 2.50. Therefore, it is recommended to sell UBS.
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 1
- StrongSell: 0
| Analysts Target Price | 48.1 | 1.2% |
P/E Forward = 13.8313
P/S = 2.9571
P/B = 1.6072
P/EG = 0.5162
Revenue TTM = 63.4b USD
EBIT TTM = 9.18b USD
EBITDA TTM = 11.9b USD
Long Term Debt = 344b USD (from longTermDebt, last quarter)
Short Term Debt = 20.3b USD (from shortTermDebt, last quarter)
Debt = 396b USD (from shortLongTermDebtTotal, last quarter) + Leases 4.26b
Net Debt = 35.6b USD (calculated: Debt 396b - CCE 361b)
Enterprise Value = 187b USD (152b + Debt 396b - CCE 361b)
Interest Coverage Ratio = 0.43 (Ebit TTM 9.18b / Interest Expense TTM 21.3b)
EV/FCF = 19.30x (Enterprise Value 187b / FCF TTM 9.71b)
FCF Yield = 5.18% (FCF TTM 9.71b / Enterprise Value 187b)
FCF Margin = 15.32% (FCF TTM 9.71b / Revenue TTM 63.4b)
Net Margin = 12.41% (Net Income TTM 7.87b / Revenue TTM 63.4b)
Gross Margin = 65.75% ((Revenue TTM 63.4b - Cost of Revenue TTM 21.7b) / Revenue TTM)
Gross Margin QoQ = 70.23% (prev 65.46%)
Tobins Q-Ratio = 0.11 (Enterprise Value 187b / Total Assets 1696b)
Interest Expense / Debt = 5.38% (Interest Expense 21.3b / Debt 396b)
Taxrate = 20.46% (786.0m / 3.84b)
NOPAT = 7.30b (EBIT 9.18b * (1 - 20.46%))
Current Ratio = 0.21 (Total Current Assets 227b / Total Current Liabilities 1098b)
Debt / Equity = 4.27 (Debt 396b / totalStockholderEquity, last quarter 92.7b)
Debt / EBITDA = 2.98 (Net Debt 35.6b / EBITDA 11.9b)
Debt / FCF = 3.67 (Net Debt 35.6b / FCF TTM 9.71b)
Total Stockholder Equity = 90.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.49% (Net Income 7.87b / Total Assets 1696b)
RoE = 8.69% (Net Income TTM 7.87b / Total Stockholder Equity 90.5b)
RoCE = 2.11% (EBIT 9.18b / Capital Employed (Equity 90.5b + L.T.Debt 344b))
RoIC = 0.43% (NOPAT 7.30b / Invested Capital 1696b)
WACC = 5.83% (E(152b)/V(548b) * Re(9.90%) + D(396b)/V(548b) * Rd(5.38%) * (1-Tc(0.20)))
Discount Rate = 9.90% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -18.40 | Cagr: 10.58%
[DCF] Terminal Value 73.59% ; FCFF base≈10.2b ; Y1≈9.23b ; Y5≈7.87b
[DCF] Fair Price = 27.41 (EV 125b - Net Debt 35.6b = Equity 89.8b / Shares 3.28b; r=8.35% [WACC [floored]]; 5y FCF grow -12.23% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.65 | # QB: 0
Revenue Correlation: 40.86 | Revenue CAGR: 6.69% | SUE: 0.95 | # QB: 2
EPS current Quarter (2026-06-30): EPS=0.93 | Chg30d=+10.25% | Revisions=+20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.95 | Chg30d=-0.13% | Revisions=-20% | Analysts=1
EPS current Year (2026-12-31): EPS=2.96 | Chg30d=-6.32% | Revisions=+20% | GrowthEPS=-1.7% | GrowthRev=+6.3%
EPS next Year (2027-12-31): EPS=4.02 | Chg30d=+0.08% | Revisions=+0% | GrowthEPS=+36.1% | GrowthRev=+2.8%
[Analyst] Revisions Ratio: +20%