BAER Stock Analysis: Julius Baer Gruppe | SW
Asset Management | SW, Switzerland | Market Cap: 15.794m CHF | 12M Return: 37% | CH0102484968 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 32.8M
EPS Trend: -51.4%
Qual. Beats: 0
Rev. Trend: 43.4%
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Julius Baer Gruppe AG is a Swiss wealth management firm headquartered in Zurich, founded in 1890. The company operates across Switzerland, Europe, the Americas, and Asia, offering a comprehensive suite of services including investment advisory, discretionary mandates, structured products, securities execution and advisory, private markets and fund offerings, wealth planning, family office services, and an open product platform.
As a player in the Asset Management & Custody Banks sub-industry, Julius Baer primarily serves high-net-worth and ultra-high-net-worth individuals, providing tailored financial solutions rather than mass-market retail banking. The firm generates revenue largely through fees on assets under management, advisory charges, and commissions on structured and securities products.
- SNB rate cycle lifts net interest income margins
- Assets under management grow on net new money inflows
- Competitive pricing pressure from UBS and Pictet in private banking
- Capital return accelerates through dividends and buybacks
| Net Income: 1.14b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.00 > 0.02 and ΔFCF/TA -4.76 > 1.0 |
| NWC/Revenue: 118.8% < 20% (prev -1.17k%; Δ 1.29k% < -1%) |
| CFO/TA 0.00 > 3% & CFO 336.1m > Net Income 1.14b |
| Net Debt (3.68b) to EBITDA (1.52b): 2.42 < 3 |
| Current Ratio: 20.89 > 1.5 & < 3 |
| Outstanding Shares: last quarter (205.6m) vs 12m ago 0.03% < -2% |
| Gross Margin: 74.71% > 18% (prev 56.55%; Δ 18.16% > 0.5%) |
| Asset Turnover: 5.42% > 50% (prev 4.68%; Δ 0.73% > 0%) |
| Interest Coverage Ratio: 0.91 > 6 (EBIT TTM 1.38b / Interest Expense TTM 1.52b) |
| A: 0.06 (Total Current Assets 7.48b - Total Current Liabilities 358.1m) / Total Assets 117b |
| B: 0.07 (Retained Earnings 7.92b / Total Assets 117b) |
| C: 0.01 (EBIT TTM 1.38b / Avg Total Assets 111b) |
| D: 0.07 (Book Value of Equity 7.37b / Total Liabilities 109b) |
| Altman-Z'' = 0.78 = B |
As of October 05, 2026, the stock is trading at CHF 72.64 with a total of 893,641 shares traded. Over the past week, the price has changed by +1.97%, over one month by -2.81%, over three months by +1.11% and over the past year by +36.98%.
Current recommended Stop Loss: 67.00 (which is 7.8% or 2.7 ATR below the current price).
Julius Baer Gruppe has no consensus analysts rating.
P/E Trailing = 12.9226
P/E Forward = 11.5607
P/S = 3.7374
P/B = 1.986
P/EG = 1.0234
Revenue TTM = 5.99b CHF
EBIT TTM = 1.38b CHF
EBITDA TTM = 1.52b CHF
Long Term Debt = 5.05b CHF (from longTermDebt, last fiscal year)
Short Term Debt = 358.1m CHF (from shortTermDebt, last quarter)
Debt = 11.2b CHF (from shortLongTermDebtTotal, last quarter)
Net Debt = 3.68b CHF (calculated: Debt 11.2b - CCE 7.48b)
Enterprise Value = 19.5b CHF (15.8b + Debt 11.2b - CCE 7.48b)
Interest Coverage Ratio = 0.91 (Ebit TTM 1.38b / Interest Expense TTM 1.52b)
EV/FCF = 455.0x (Enterprise Value 19.5b / FCF TTM 42.8m)
FCF Yield = 0.22% (FCF TTM 42.8m / Enterprise Value 19.5b)
FCF Margin = 0.71% (FCF TTM 42.8m / Revenue TTM 5.99b)
Net Margin = 19.03% (Net Income TTM 1.14b / Revenue TTM 5.99b)
Gross Margin = 74.71% ((Revenue TTM 5.99b - Cost of Revenue TTM 1.52b) / Revenue TTM)
Gross Margin QoQ = 77.02% (prev 72.23%)
Tobins Q-Ratio = 0.17 (Enterprise Value 19.5b / Total Assets 117b)
Interest Expense / Debt = 13.58% (Interest Expense 1.52b / Debt 11.2b)
Taxrate = 17.37% (239.9m / 1.38b)
NOPAT = 1.14b (EBIT 1.38b * (1 - 17.37%))
Current Ratio = 20.89 (Total Current Assets 7.48b / Total Current Liabilities 358.1m)
Debt / Equity = 1.51 (Debt 11.2b / totalStockholderEquity, last quarter 7.37b)
Debt / EBITDA = 2.42 (Net Debt 3.68b / EBITDA 1.52b)
Debt / FCF = 85.96 (Net Debt 3.68b / FCF TTM 42.8m)
Total Stockholder Equity = 7.04b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.03% (Net Income 1.14b / Total Assets 117b)
RoE = 16.20% (Net Income TTM 1.14b / Total Stockholder Equity 7.04b)
RoCE = 11.42% (EBIT 1.38b / Capital Employed (Equity 7.04b + L.T.Debt 5.05b))
RoIC = 0.98% (NOPAT 1.14b / Invested Capital 116b)
WACC = 9.82% (E(15.8b)/V(27.0b) * Re(8.82%) + D(11.2b)/V(27.0b) * Rd(13.58%) * (1-Tc(0.17)))
Discount Rate = 8.82% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -74.90 | Cagr: -1.61%
[DCF] Terminal Value 67.82% ; FCFF base≈2.03b ; Y1≈1.78b ; Y5≈1.44b
[DCF] Fair Price = 72.75 (EV 18.6b - Net Debt 3.68b = Equity 15.0b / Shares 205.8m; r=9.82% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -51.40 | EPS CAGR: -10.33% | SUE: 0.10 | # QB: 0
Revenue Correlation: 43.43 | Revenue CAGR: 4.04% | SUE: N/A | # QB: 0
EPS current Year (2026-12-31): EPS=6.03 | Chg30d=-0.03% | Revisions=+71% | GrowthEPS=+41.2% | GrowthRev=+15.5%
EPS next Year (2027-12-31): EPS=6.21 | Chg30d=-0.02% | Revisions=+47% | GrowthEPS=+3.0% | GrowthRev=+3.4%
[Analyst] Revisions Ratio: +65% (up=24, down=4)