Julius Baer Group Ltd (BAER) AI Stock Analysis

• Market Cap: CHF13.76B
• Dividend Yield: 4.14%
• Average Volume (3M): 441.10K
• Price to Earnings (P/E): 15.9
• Beta (1Y): 1.11
• Revenue Growth: 1.02%
• EPS Growth: 131.90%
• Country: CH
• Employees: 7,595
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 2.22
• Shares Outstanding: 206,001,790
• 10 Day Avg. Volume: 463,873
• 30 Day Avg. Volume: 441,104
• PEG Ratio: 0.09
• Price to Book (P/B): 1.76
• Price to Sales (P/S): 3.09
• P/FCF Ratio: 6.44
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: CHF63.91
• Price Target Upside: -4.84% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 8
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: CHF68.00 ▲(1.25% Upside)

The score is driven primarily by improved 2024 profitability and balance-sheet leverage, tempered by declining/volatile revenue and historically uneven cash flows. Technicals are supportive with a clear uptrend, while valuation is reasonable with a solid dividend yield.

Positive Factors

Strong Profitability

Julius Baer's strong profitability and high return on capital demonstrate effective capital utilization and robust financial health, supporting long-term growth.

Strategic Expansion

Expanding into the Italian market strengthens Julius Baer's European footprint, enhancing its ability to serve high-net-worth clients and drive growth.

Organizational Streamlining

Streamlining operations and enhancing customer focus can improve efficiency and competitive positioning, supporting sustainable growth in wealth management.

Negative Factors

Cost-Income Ratio Concerns

A high cost-income ratio indicates inefficiencies that could impact profitability, necessitating further cost management to achieve financial targets.

Regulatory and Capital Challenges

Regulatory changes pose challenges to capital adequacy, potentially affecting Julius Baer's ability to distribute capital and invest in growth initiatives.

Revenue Growth Challenges

Declining revenue growth suggests difficulties in expanding market share or client base, which could hinder long-term financial performance.

Julius Baer Group Ltd Business Overview & Revenue Model

Company Description

Julius Bär Gruppe AG provides wealth management solutions in Switzerland, Europe, Americas, Asia, and internationally. Its solutions include discretionary mandates, investment advisory mandates, securities execution and advisory, foreign exchange and precious metals, family office services, Lombard lending, structured products, global custody, real estate advisory and financing, and wealth planning. It also operates an open product and service platform. Julius Bär Gruppe AG was founded in 1890 and is headquartered in Zurich, Switzerland.

How the Company Makes Money

Julius Baer Group Ltd makes money primarily through fees and commissions generated from its wealth and asset management services. The company charges management fees for overseeing clients' investment portfolios and advisory fees for providing personalized financial advice. Additionally, it earns commission income from trading activities, such as buying and selling securities on behalf of clients. Julius Baer also generates revenue through interest income on loans and deposits, as well as performance fees linked to the returns of managed investment products. Strategic partnerships with financial institutions and leveraging its extensive network also play a crucial role in driving business growth and profitability.

Julius Baer Group Ltd Financial Statement Overview

Summary

Julius Baer Group Ltd exhibits strong profitability with a net profit margin improvement and no debt, though revenue challenges and low equity levels suggest caution. Cash flow improvements are noted but past volatility persists.

Income Statement

Julius Baer Group Ltd has shown a mixed performance in its income statement. The company achieved a strong net profit margin of 26.22% in 2024, up from 14.02% in 2023. However, the revenue has decreased over recent years, indicating challenges in sustaining growth. The EBIT and EBITDA margins for 2024 are unavailable, reflecting potential operational inefficiencies or strategic changes in reporting. Despite these challenges, profitability remains robust.

Balance Sheet

The balance sheet indicates a stable financial position with no total debt reported for 2024, reducing financial risk significantly. The equity ratio stands at 6.5%, indicating a relatively low equity position compared to total assets, which is typical for asset management firms. Return on equity improved to 14.97% in 2024 from 7.37% in 2023, reflecting better utilization of equity to generate profits. Overall, the balance sheet reflects stability with some risks in equity levels.

Cash Flow

Cash flow analysis reveals a significant improvement in free cash flow in 2024, with a positive figure of 1,872 million. However, the free cash flow growth rate was negative in the previous year, suggesting volatility. The operating cash flow to net income ratio improved to 2.08, indicating robust cash generation relative to net income. Despite improvements, past volatility in cash flows presents potential risks.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.91B	3.90B	3.24B	4.52B	4.27B	4.06B
Gross Profit	3.73B	3.90B	813.40M	4.52B	4.27B	4.06B
EBITDA	882.30M	0.00	758.60M	0.00	0.00	0.00
Net Income	865.40M	1.02B	454.00M	949.60M	1.08B	698.00M
Balance Sheet
Total Assets	104.72B	105.07B	96.79B	105.64B	116.31B	109.14B
Cash, Cash Equivalents and Short-Term Investments	0.00	30.06B	16.22B	18.91B	25.80B	23.06B
Total Debt	25.26B	4.06B	6.05B	5.92B	7.07B	6.83B
Total Liabilities	97.98B	98.24B	90.62B	99.35B	109.56B	102.70B
Stockholders Equity	6.74B	6.83B	6.16B	6.29B	6.73B	6.43B
Cash Flow
Free Cash Flow	5.02B	1.87B	-1.17B	1.72B	123.80M	-1.83B
Operating Cash Flow	5.26B	2.13B	-929.10M	1.91B	320.60M	-1.64B
Investing Cash Flow	3.00B	2.86B	-1.69B	-5.37B	764.60M	743.40M
Financing Cash Flow	-129.20M	-409.40M	79.30M	-3.48B	1.62B	5.25B

Julius Baer Group Ltd Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 67.16
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:BAER, the sentiment is Positive. The current price of 67.16 is above the 20-day moving average (MA) of 63.45, above the 50-day MA of 59.47, and above the 200-day MA of 55.90, indicating a bullish trend. The MACD of 2.22 indicates Negative momentum. The RSI at 76.53 is Negative, neither overbought nor oversold. The STOCH value of 92.69 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CH:BAER.

Julius Baer Group Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BAER	68 Neutral	CHF13.76B	15.91	―	4.14%	1.02%	131.90%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
VONN	66 Neutral	CHF3.72B	14.87	11.11%	4.66%	3.80%	15.49%
PGHN	66 Neutral	CHF26.23B	21.93	―	4.30%	23.34%	24.97%
UBSG	63 Neutral	CHF117.93B	19.40	8.30%	1.99%	-12.37%	142.75%
EFGN	63 Neutral	CHF6.11B	16.74	19.05%	3.15%	-0.27%	21.41%
VZN	63 Neutral	CHF6.31B	27.83	22.69%	1.82%	8.15%	12.24%

Julius Baer Group Ltd Corporate Events

Julius Bär reshapes top management with new COO and communications chief

Julius Bär Group has announced key leadership changes to support its ongoing strategic transformation, appointing experienced financial services executive Jean Nabaa as Chief Operating Officer and member of the Executive Board from 13 April 2026, pending regulatory approval, while current COO and Deputy CEO Nic Dreckmann will step down after more than two decades at the bank and leave in summer 2026 following an orderly handover. In parallel, the group is establishing a new Group Communications function to be led by former Credit Suisse Global Head of Communications Cindy Leggett-Flynn, underscoring a sharpened focus on operational excellence, technology-driven process optimisation and strengthened strategic communications as Julius Bär seeks to enhance client experience, support strategy execution and reinforce its positioning in the global wealth management market.

The most recent analyst rating on (CH:BAER) stock is a Hold with a CHF68.00 price target. To see the full list of analyst forecasts on Julius Baer Group Ltd stock, see the CH:BAER Stock Forecast page.

Julius Baer Achieves Record Asset Levels and Completes Strategic Credit Review

Julius Baer Group Ltd reported a record high of CHF 520 billion in managed assets as of October 2025, driven by solid net new money inflows and rising stock markets. The company completed a credit review, resulting in a strategic reduction of certain loan positions and recording impairments of CHF 149 million. The group’s capital position strengthened with a CET1 ratio of 16.3%, and it continues to focus on its core wealth management business. New leadership appointments, including a Chief Compliance Officer, aim to enhance risk management and compliance, while expansion efforts are underway in Switzerland, Lisbon, Abu Dhabi, and Milan.

The most recent analyst rating on (CH:BAER) stock is a Hold with a CHF60.00 price target. To see the full list of analyst forecasts on Julius Baer Group Ltd stock, see the CH:BAER Stock Forecast page.

Julius Bär Appoints New Chief Compliance Officer

Julius Bär Group has announced the appointment of Victoria McLean as Chief Compliance Officer and a member of the Executive Board, effective by the end of February 2026, pending regulatory approval. McLean, a seasoned compliance expert with over 30 years of experience, joins from Goldman Sachs and is expected to enhance the company’s compliance processes, reflecting Julius Bär’s commitment to optimizing its operations and maintaining its industry-leading position.

The most recent analyst rating on (CH:BAER) stock is a Hold with a CHF60.00 price target. To see the full list of analyst forecasts on Julius Baer Group Ltd stock, see the CH:BAER Stock Forecast page.

Julius Baer Expands European Footprint with New Lisbon Branch

Julius Baer Group Ltd. is expanding its European presence by opening a new branch in Lisbon, Portugal, in the fourth quarter of 2025. This strategic move aims to enhance client proximity and service ultra-high and high-net-worth clients in Portugal, showcasing the company’s commitment to this growth market and strengthening its position as a leading wealth manager in Europe.

The most recent analyst rating on (CH:BAER) stock is a Buy with a CHF72.00 price target. To see the full list of analyst forecasts on Julius Baer Group Ltd stock, see the CH:BAER Stock Forecast page.