UBSG Stock Analysis: | SW
Banks - Diversified | SW, Switzerland | Market Cap: 138.684m CHF | 12M Return: 42.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 206M
EPS Trend: 83.8%
Qual. Beats: 1
Rev. Trend: 83.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 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: 8.87b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.14 > 1.0 |
| NWC/Revenue: -1.15k% < 20% (prev -952.0%; Δ -197.2% < -1%) |
| CFO/TA 0.01 > 3% & CFO 17.3b > Net Income 8.87b |
| Net Debt (34.7b) to EBITDA (13.3b): 2.60 < 3 |
| Current Ratio: 0.23 > 1.5 & < 3 |
| Outstanding Shares: last quarter (3.23b) vs 12m ago -2.99% < -2% |
| Gross Margin: 63.07% > 18% (prev 57.01%; Δ 6.07% > 0.5%) |
| Asset Turnover: 4.10% > 50% (prev 4.47%; Δ -0.37% > 0%) |
| Interest Coverage Ratio: 0.32 > 6 (EBIT TTM 10.2b / Interest Expense TTM 31.9b) |
| A: -0.45 (Total Current Assets 226b - Total Current Liabilities 989b) / Total Assets 1692b |
| B: 0.05 (Retained Earnings 86.7b / Total Assets 1692b) |
| C: 0.01 (EBIT TTM 10.2b / Avg Total Assets 1617b) |
| D: 0.06 (Book Value of Equity 92.5b / Total Liabilities 1599b) |
| Altman-Z'' = -2.69 = D |
| DSRI: 1.02 (Receivables 40.8b/41.7b, Revenue 66.4b/69.0b) |
| GMI: 0.90 (GM 57.01% / 63.07%) |
| AQI: 1.06 (AQ_t 0.86 / AQ_t-1 0.81) |
| SGI: 0.96 (Revenue 66.4b / 69.0b) |
| TATA: -0.00 (NI 8.87b - CFO 17.3b) / TA 1692b) |
| Beneish M = -3.09 (Cap -4..+1) = AA |
As of July 28, 2026, the stock is trading at CHF 42.83 with a total of 4,415,052 shares traded. Over the past week, the price has changed by +1.85%, over one month by +7.13%, over three months by +29.24% and over the past year by +42.87%.
Current recommended Stop Loss: 41.10 (which is 4% or 2 ATR below the current price).
has no consensus analysts rating.
Market Cap USD = 170b (139b CHF * 1.2277 CHF.USD)
P/E Trailing = 18.6388
P/E Forward = 15.873
P/S = 2.7028
P/B = 1.8471
P/EG = 0.9342
Revenue TTM = 66.4b USD
EBIT TTM = 10.2b USD
EBITDA TTM = 13.3b USD
Long Term Debt = 344b USD (from longTermDebt, last quarter)
Short Term Debt = 20.3b USD (from shortTermDebt, last quarter)
Debt = 395b USD (from shortLongTermDebtTotal, last quarter) + Leases 4.26b
Net Debt = 34.7b USD (calculated: Debt 395b - CCE 361b)
Enterprise Value = 205b USD (170b + Debt 395b - CCE 361b)
Interest Coverage Ratio = 0.32 (Ebit TTM 10.2b / Interest Expense TTM 31.9b)
EV/FCF = 21.12x (Enterprise Value 205b / FCF TTM 9.70b)
FCF Yield = 4.73% (FCF TTM 9.70b / Enterprise Value 205b)
FCF Margin = 14.62% (FCF TTM 9.70b / Revenue TTM 66.4b)
Net Margin = 13.37% (Net Income TTM 8.87b / Revenue TTM 66.4b)
Gross Margin = 63.07% ((Revenue TTM 66.4b - Cost of Revenue TTM 24.5b) / Revenue TTM)
Gross Margin QoQ = 70.23% (prev 49.78%)
Tobins Q-Ratio = 0.12 (Enterprise Value 205b / Total Assets 1692b)
Interest Expense / Debt = 8.07% (Interest Expense 31.9b / Debt 395b)
Taxrate = 12.85% (1.31b / 10.2b)
NOPAT = 8.91b (EBIT 10.2b * (1 - 12.85%))
Current Ratio = 0.21 (Total Current Assets 226b / Total Current Liabilities 1064b)
Debt / Equity = 4.27 (Debt 395b / totalStockholderEquity, last quarter 92.5b)
Debt / EBITDA = 2.60 (Net Debt 34.7b / EBITDA 13.3b)
Debt / FCF = 3.57 (Net Debt 34.7b / FCF TTM 9.70b)
Total Stockholder Equity = 90.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.55% (Net Income 8.87b / Total Assets 1692b)
RoE = 9.81% (Net Income TTM 8.87b / Total Stockholder Equity 90.5b)
RoCE = 2.35% (EBIT 10.2b / Capital Employed (Equity 90.5b + L.T.Debt 344b))
RoIC = 0.53% (NOPAT 8.91b / Invested Capital 1688b)
WACC = 7.73% (E(170b)/V(566b) * Re(9.36%) + D(395b)/V(566b) * Rd(8.07%) * (1-Tc(0.13)))
Discount Rate = 9.36% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -40.41 | Cagr: 0.09%
[DCF] Terminal Value 77.97% ; FCFF base≈8.50b ; Y1≈9.74b ; Y5≈14.3b
[DCF] Fair Price = 55.26 (EV 216b - Net Debt 34.7b = Equity 181b / Shares 3.28b; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 83.76 | EPS CAGR: 42.03% | SUE: 1.09 | # QB: 1
Revenue Correlation: 83.47 | Revenue CAGR: 28.48% | SUE: 0.68 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.74 | Chg30d=+14.74% | Revisions=+25% | Analysts=6
EPS next Quarter (2026-09-30): EPS=0.74 | Chg30d=+6.22% | Revisions=+25% | Analysts=5
EPS current Year (2026-12-31): EPS=2.87 | Chg30d=+6.28% | Revisions=+62% | GrowthEPS=+23.0% | GrowthRev=+11.0%
EPS next Year (2027-12-31): EPS=3.41 | Chg30d=+5.52% | Revisions=+67% | GrowthEPS=+18.8% | GrowthRev=+2.9%
[Analyst] Revisions Ratio: +81% (up=13, down=0)