UBSG Stock Analysis: | SW
Banks - Diversified | SW, Switzerland | Market Cap: 130.124m CHF | 12M Return: 35.1% | CH0244767585 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 173M
EPS Trend: 94.8%
Qual. Beats: 0
Rev. Trend: 70.7%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.6 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 global wealth manager and bank headquartered in Zurich, Switzerland, operating through five core segments: Global Wealth Management, Personal & Corporate Banking, Asset Management, Investment Bank, and Non-Core and Legacy. Founded in 1862 and formerly known as UBS AG (renamed in December 2014), the company serves private, corporate, and institutional clients worldwide, offering services ranging from financial advisory and estate planning to investment banking, asset management, and various lending products including securities-based lending and real estate financing. As a large-cap stock in the Diversified Banks sub-industry, UBS is a major player in the global financial services sector, with a particularly strong focus on wealth management across its international footprint.
- Global Wealth Management AUM growth lifts fee income
- Credit Suisse integration costs weigh on near-term margins
- Rate cuts compress net interest margins at Swiss bank
| 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 August 25, 2026, the stock is trading at CHF 43.20 with a total of 3,389,293 shares traded. Over the past week, the price has changed by -0.80%, over one month by +2.10%, over three months by +15.45% and over the past year by +35.11%.
Current recommended Stop Loss: 41.20 (which is 4.6% or 2.7 ATR below the current price).
has no consensus analysts rating.
Market Cap USD = 163b (130b CHF * 1.2494 CHF.USD)
P/E Trailing = 18.0851
P/E Forward = 14.771
P/S = 2.4533
P/B = 1.8288
P/EG = 0.8683
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 = 175b USD (163b + Debt 380b - CCE 368b)
Interest Coverage Ratio = 0.44 (Ebit TTM 11.6b / Interest Expense TTM 26.5b)
EV/FCF = 11.29x (Enterprise Value 175b / FCF TTM 15.5b)
FCF Yield = 8.86% (FCF TTM 15.5b / Enterprise Value 175b)
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 = 0.10 (Enterprise Value 175b / 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 = 6.62% (E(163b)/V(542b) * Re(8.98%) + D(380b)/V(542b) * Rd(6.99%) * (1-Tc(0.20)))
Discount Rate = 8.98% (= 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=0.75 | Chg30d=+4.74% | Revisions=+38% | Analysts=5
EPS current Year (2026-12-31): EPS=2.98 | Chg30d=+4.96% | Revisions=+64% | GrowthEPS=+27.8% | GrowthRev=+12.9%
EPS next Year (2027-12-31): EPS=3.49 | Chg30d=+3.41% | Revisions=+64% | GrowthEPS=+16.8% | GrowthRev=+2.8%
[Analyst] Revisions Ratio: +70% (up=24, down=3)