UBSG Stock Analysis: | SW
Banks - Diversified | SW, Switzerland | Market Cap: 120.418m CHF | 12M Return: 24.9% | CH0244767585 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 252M
EPS Trend: 94.8%
Qual. Beats: 0
Rev. Trend: 70.7%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
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.
UBS Group AG is a Switzerland-based wealth manager and universal bank with a global footprint, organized into five operating segments: Global Wealth Management, Personal & Corporate Banking, Asset Management, Investment Bank, and Non-Core and Legacy. Its core franchise centers on serving wealthy private clients and institutional investors through advisory, investment management, and capital markets services, while also maintaining a leading domestic retail and corporate banking presence in Switzerland. The company offers a broad lending suite spanning securities-based loans, residential and commercial mortgages, structured products, and specialized financing against assets such as ships, aircraft, and private market or hedge fund interests. Headquartered in Zurich and tracing its roots to 1862, UBS adopted its current holding structure in 2014 following the renaming of UBS AG to UBS Group AG.
As a diversified bank under the GICS classification, UBS combines the stability of a deposit-funded retail and corporate banking book with the higher-margin, capital-intensive businesses of wealth and investment banking-a hybrid model that distinguishes it from pure-play asset managers and from banks more reliant on traditional corporate lending. The Non-Core and Legacy segment reflects the ongoing wind-down of legacy positions, a common feature among large Swiss and European banks that have used such units to shrink legacy risk-weighted assets and improve capital ratios over time.
- Credit Suisse integration drives cost synergies and capital deployment
- Global Wealth Management margins expand on Asia inflows
- SNB rate cuts pressure Swiss net interest margins
| Net Income: 9.28b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.30 > 1.0 |
| NWC/Revenue: -1.06k% < 20% (prev -1.04k%; Δ -19.34% < -1%) |
| CFO/TA 0.01 > 3% & CFO 17.3b > Net Income 9.28b |
| Net Debt (12.0b) to EBITDA (14.6b): 0.82 < 3 |
| Current Ratio: 0.39 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.23b) vs 12m ago -2.25% < -2% |
| Gross Margin: 71.25% > 18% (prev 59.15%; Δ 12.10% > 0.5%) |
| Asset Turnover: 3.64% > 50% (prev 4.13%; Δ -0.49% > 0%) |
| Interest Coverage Ratio: 0.44 > 6 (EBIT TTM 11.6b / Interest Expense TTM 26.5b) |
| A: -0.38 (Total Current Assets 419b - Total Current Liabilities 1072b) / Total Assets 1707b |
| B: 0.05 (Retained Earnings 86.0b / Total Assets 1707b) |
| C: 0.01 (EBIT TTM 11.6b / Avg Total Assets 1689b) |
| D: 0.06 (Book Value of Equity 89.2b / Total Liabilities 1618b) |
| Altman-Z'' = -2.24 = D |
| DSRI: 1.29 (Receivables 49.7b/43.2b, Revenue 61.4b/69.0b) |
| GMI: 0.83 (GM 59.15% / 71.25%) |
| AQI: 0.91 (AQ_t 0.75 / AQ_t-1 0.82) |
| SGI: 0.89 (Revenue 61.4b / 69.0b) |
| TATA: -0.00 (NI 9.28b - CFO 17.3b) / TA 1707b) |
| Beneish M = -3.07 (Cap -4..+1) = AA |
As of October 10, 2026, the stock is trading at CHF 39.90 with a total of 3,854,776 shares traded. Over the past week, the price has changed by +0.94%, over one month by -10.48%, over three months by -4.73% and over the past year by +24.91%.
Current recommended Stop Loss: 37.40 (which is 6.3% or 2.5 ATR below the current price).
has no consensus analysts rating.
Market Cap USD = 145b (120b CHF * 1.2042 CHF.USD)
P/E Trailing = 17.4027
P/E Forward = 11.4025
P/S = 2.2703
P/B = 1.6579
P/EG = 0.6705
Revenue TTM = 61.4b USD
EBIT TTM = 11.6b USD
EBITDA TTM = 14.6b USD
Long Term Debt = 302b USD (from longTermDebt, last quarter)
Short Term Debt = 68.7b USD (from shortTermDebt, last quarter)
Debt = 380b USD (from shortLongTermDebtTotal, last quarter) + Leases 4.27b
Net Debt = 12.0b USD (calculated: Debt 380b - CCE 368b)
Enterprise Value = 157b USD (145b + Debt 380b - CCE 368b)
Interest Coverage Ratio = 0.44 (Ebit TTM 11.6b / Interest Expense TTM 26.5b)
EV/FCF = 10.16x (Enterprise Value 157b / FCF TTM 15.5b)
FCF Yield = 9.85% (FCF TTM 15.5b / Enterprise Value 157b)
FCF Margin = 25.17% (FCF TTM 15.5b / Revenue TTM 61.4b)
Net Margin = 15.11% (Net Income TTM 9.28b / Revenue TTM 61.4b)
Gross Margin = 71.25% ((Revenue TTM 61.4b - Cost of Revenue TTM 17.7b) / Revenue TTM)
Gross Margin QoQ = none% (prev 70.23%)
Tobins Q-Ratio = 0.09 (Enterprise Value 157b / Total Assets 1707b)
Interest Expense / Debt = 6.99% (Interest Expense 26.5b / Debt 380b)
Taxrate = 19.83% (2.30b / 11.6b)
NOPAT = 9.32b (EBIT 11.6b * (1 - 19.83%))
Current Ratio = 0.39 (Total Current Assets 419b / Total Current Liabilities 1072b)
Debt / Equity = 4.26 (Debt 380b / totalStockholderEquity, last quarter 89.2b)
Debt / EBITDA = 0.82 (Net Debt 12.0b / EBITDA 14.6b)
Debt / FCF = 0.78 (Net Debt 12.0b / FCF TTM 15.5b)
Total Stockholder Equity = 90.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.55% (Net Income 9.28b / Total Assets 1707b)
RoE = 10.26% (Net Income TTM 9.28b / Total Stockholder Equity 90.5b)
RoCE = 2.96% (EBIT 11.6b / Capital Employed (Equity 90.5b + L.T.Debt 302b))
RoIC = 1.33% (NOPAT 9.32b / Invested Capital 701b)
WACC = 6.47% (E(145b)/V(525b) * Re(8.74%) + D(380b)/V(525b) * Rd(6.99%) * (1-Tc(0.20)))
Discount Rate = 8.74% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -95.85 | Cagr: -1.77%
[DCF] Terminal Value 77.97% ; FCFF base≈13.3b ; Y1≈15.3b ; Y5≈22.5b
[DCF] Fair Price = 106.5 (EV 338b - Net Debt 12.0b = Equity 326b / Shares 3.06b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 94.78 | EPS CAGR: 54.44% | SUE: 0.30 | # QB: 0
Revenue Correlation: 70.67 | Revenue CAGR: 18.83% | SUE: 0.19 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.76 | Chg30d=+1.70% | Revisions=-17% | Analysts=5
EPS current Year (2026-12-31): EPS=2.99 | Chg30d=+0.43% | Revisions=+44% | GrowthEPS=+28.2% | GrowthRev=+14.1%
EPS next Year (2027-12-31): EPS=3.53 | Chg30d=+1.19% | Revisions=+67% | GrowthEPS=+17.9% | GrowthRev=+2.9%
[Analyst] Revisions Ratio: +50% (up=12, down=3)