UBS Group AG (CH:UBSG)
:UBSG
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UBS Group AG
(UBSG)
Select Model
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Rating:50Neutral
Price Target:
CHF30.00
▲(1.49% Upside)
Action:ReiteratedDate:03/31/26
The score is held back primarily by financial quality concerns (notably 2025 negative operating/free cash flow, earnings volatility, and high leverage). Technical indicators also point to a bearish trend (price below key moving averages and negative MACD). Valuation is neutral-to-slightly supportive due to a moderate P/E and a modest dividend yield.
Positive Factors
Wealth-management biased revenue mix
A fee-heavy wealth management model provides recurring, more predictable revenue and higher client stickiness versus transaction-driven banks. Over months this supports margin durability, stable fee income, and cross-selling of lending and deposit products that smooth cyclicality in trading-driven segments.
Negative Factors
High leverage profile
A debt-to-equity ratio near 4x materially increases sensitivity to market and funding shocks and constrains capital flexibility. Over coming months this magnifies earnings risk from credit losses or funding stress, limits strategic optionality and raises the cost of absorbing integration or restructuring shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Wealth-management biased revenue mix
A fee-heavy wealth management model provides recurring, more predictable revenue and higher client stickiness versus transaction-driven banks. Over months this supports margin durability, stable fee income, and cross-selling of lending and deposit products that smooth cyclicality in trading-driven segments.
Read all positive factors
UBS Group AG (UBSG) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF91.39B
Dividend Yield1.99%
Average Volume (3M)6.88M
Price to Earnings (P/E)18.9
Beta (1Y)1.20
Revenue Growth-12.37%
EPS Growth142.75%
CountryCH
Employees106,789
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)0.30
Shares Outstanding3,341,581,800
10 Day Avg. Volume7,653,346
30 Day Avg. Volume6,882,858
Financial Highlights & Ratios
PEG Ratio0.81
Price to Book (P/B)1.29
Price to Sales (P/S)1.97
P/FCF Ratio7.51
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
CHF39.72Price Target Upside34.37% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)3.2
Revenue Forecast (FY)CHF51.09B
UBS Group AG Business Overview & Revenue Model
Company Description
UBS Group AG provides financial advice and solutions to private, institutional, and corporate clients worldwide. It operates through four divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, and Investment Bank. The...
How the Company Makes Money
UBS makes money primarily by earning fees and net interest income across its main businesses. In Wealth Management (often the largest contributor), UBS earns recurring fees for managing client assets (e.g., advisory and discretionary portfolio man...
UBS Group AG Earnings Call Summary
Earnings Call Date:Feb 04, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 29, 2026
Earnings Call Sentiment Neutral
Neutral: The call transcript excerpt only contains the opening operator remarks and no substantive financial or operational information. There are minor positives in that the call occurred and proper publication instructions were given, but the absence of any disclosed metrics or management commentary prevents any assessment of performance or outlook.Positive Updates
Earnings Call Held as Scheduled
UBS held its Fourth Quarter 2025 results presentation (transcript dated 2026-02-04). The provided transcript confirms the call commenced and the operator opened the session.
Negative Updates
No Financial or Operational Metrics Disclosed
The provided transcript excerpt contains only the opening operator remarks and does not include any revenue, net income, EPS, guidance, segment results, or percentage changes. As a result, no key metrics or notable achievements can be extracted from this text.
Read all updates
Q4-2025 Updates
Positive
Negative
Earnings Call Held as Scheduled
UBS held its Fourth Quarter 2025 results presentation (transcript dated 2026-02-04). The provided transcript confirms the call commenced and the operator opened the session.
Read all positive updates
Company Guidance
The excerpt you provided contains only the operator’s opening line and does not include any forward-looking guidance or quantifiable metrics, so I can’t extract actual guidance figures (no revenue, adjusted EPS, net income, operating expenses, cost/income ratio, ROTE, CET1 ratio, NII/NIM, loan or deposit growth, provisions, client asset flows, dividend/buyback plans, tax rate or FY25/26 outlook are present). If you share the full call transcript or the guidance section, I can pull and summarize every metric and range cited; if helpful, common guidance items to look for include revenue, adjusted EPS, operating income, operating expenses, cost/income, return on tangible equity, CET1 ratio, net interest income and margin, loan/deposit growth, credit provisions, and capital return plans.UBS Group AG Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
58
Neutral
Cash Flow
35
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 59.05B | 74.22B | 57.38B | 36.82B | 35.03B |
| Gross Profit | 37.59B | 41.09B | 32.36B | 30.73B | 32.18B |
| EBITDA | 9.55B | 9.64B | 27.38B | 10.78B | 10.61B |
| Net Income | 6.16B | 4.62B | 23.41B | 7.05B | 6.82B |
Balance Sheet | |||||
| Total Assets | 1.62T | 1.57T | 1.72T | 1.10T | 1.12T |
| Cash, Cash Equivalents and Short-Term Investments | 223.73B | 227.90B | 319.36B | 175.06B | 203.64B |
| Total Debt | 344.73B | 353.05B | 399.50B | 212.81B | 230.65B |
| Total Liabilities | 1.53T | 1.48T | 1.63T | 1.05T | 1.06T |
| Stockholders Equity | 90.21B | 85.08B | 85.62B | 56.88B | 60.66B |
Cash Flow | |||||
| Free Cash Flow | 15.46B | 1.27B | 84.38B | 13.00B | 29.58B |
| Operating Cash Flow | 17.33B | 3.28B | 86.07B | 14.65B | 31.43B |
| Investing Cash Flow | -18.09B | 709.00M | 103.23B | -12.45B | -2.12B |
| Financing Cash Flow | -24.48B | -84.17B | -58.26B | -9.09B | 10.35B |
UBS Group AG Technical Analysis
Negative
29.56
Price Trends
32.55
Negative
33.08
Negative
31.79
Negative
Market Momentum
-0.80
Negative
40.29
Neutral
59.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:UBSG, the sentiment is Negative. The current price of 29.56 is below the 20-day moving average (MA) of 29.80, below the 50-day MA of 32.55, and below the 200-day MA of 31.79, indicating a bearish trend. The MACD of -0.80 indicates Negative momentum. The RSI at 40.29 is Neutral, neither overbought nor oversold. The STOCH value of 59.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CH:UBSG.
UBS Group AG Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | CHF21.67B | 9.32 | ― | 4.30% | 23.34% | 24.97% | |
74 Outperform | CHF83.20B | 15.20 | 23.97% | 4.66% | -7.33% | 17.93% | |
71 Outperform | CHF35.63B | 10.08 | 14.51% | 4.49% | -4.94% | -5.71% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | CHF5.02B | 17.97 | 9.10% | 3.15% | -0.27% | 21.41% | |
60 Neutral | CHF11.82B | 16.79 | ― | 4.14% | 1.02% | 131.90% | |
50 Neutral | CHF91.39B | 18.85 | 7.04% | 1.99% | -12.37% | 142.75% |
* Financial Sector Average
CH:UBSG
UBS Group AG
29.56
3.60
13.87%
CH:PGHN
Partners Group Holding AG
836.60
-379.46
-31.20%
CH:BAER
Julius Baer Group Ltd
57.70
0.40
0.70%
CH:EFGN
EFG International AG
16.62
3.96
31.28%
CH:ZURN
Zurich Insurance Group
557.00
-34.21
-5.79%
CH:SREN
Swiss Re AG
131.15
-14.51
-9.96%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.