Ubs Group (CH:UBSG)
NYSE:UBSG
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UBS Group AG
(NYSE:UBSG)
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Rating:63Neutral
Price Target:
CHF44.00
▲(27.72% Upside)
Action:Reiterated
Date:05/30/26
The score is held back primarily by mixed financial performance—especially the 2025 shift to negative operating/free cash flow and high leverage—despite strong technical momentum. Valuation is reasonable but not compelling enough to outweigh the financial risk signals.
Positive Factors
Diversified business model
UBS’s multi-division model spreads revenue across wealth management, asset management, investment banking and Swiss retail. This structural diversification reduces reliance on any single market cycle, supports cross-selling to institutional and HNW clients, and improves resilience over months.
Negative Factors
High leverage
Sustained debt-to-equity near 3.8–4.7x elevates sensitivity to funding shocks and interest-cost increases. High leverage constrains strategic flexibility, increases regulatory and market scrutiny, and raises the risk that adverse conditions could quickly pressure capital ratios or require balance-sheet actions.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified business model
UBS’s multi-division model spreads revenue across wealth management, asset management, investment banking and Swiss retail. This structural diversification reduces reliance on any single market cycle, supports cross-selling to institutional and HNW clients, and improves resilience over months.
Read all positive factors
UBS Group AG (UBSG) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF124.33B
Dividend Yield1.99%
Average Volume (3M)5.54M
Price to Earnings (P/E)20.2
Beta (1Y)1.22
Revenue Growth-14.03%
EPS Growth66.93%
CountryCH
Employees106,789
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)2.40
Shares Outstanding3,277,805,200
10 Day Avg. Volume7,208,902
30 Day Avg. Volume5,540,007
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)1.29
Price to Sales (P/S)1.57
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
CHF40.85Price Target Upside18.59% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)3.44
Revenue Forecast (FY)CHF52.01B
UBS Group AG Business Overview & Revenue Model
Company Description
Globally, UBS Group AG offers a comprehensive suite of financial advisory services and innovative solutions to a diverse clientele, encompassing private individuals, institutions, and corporations. Its operations are segmented into four main divis...
How the Company Makes Money
UBS primarily makes money by earning fees and net interest income across its banking and investment businesses.
1) Wealth Management: A major source of earnings comes from recurring fees on client assets, including advisory and discretionary port...
UBS Group AG Earnings Call Summary
Earnings Call Date:Feb 04, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Jul 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 | 73.84B | 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 | 7.77B | 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
Positive
34.45
Price Trends
35.54
Positive
33.46
Positive
32.79
Positive
Market Momentum
1.31
Negative
80.33
Negative
94.07
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:UBSG, the sentiment is Positive. The current price of 34.45 is below the 20-day moving average (MA) of 38.06, below the 50-day MA of 35.54, and above the 200-day MA of 32.79, indicating a bullish trend. The MACD of 1.31 indicates Negative momentum. The RSI at 80.33 is Negative, neither overbought nor oversold. The STOCH value of 94.07 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
79 Outperform | CHF18.12B | 14.38 | ― | 4.30% | 18.00% | 12.05% | |
74 Outperform | CHF85.65B | 12.33 | 23.97% | 4.66% | -3.71% | 10.90% | |
73 Outperform | CHF33.17B | 13.09 | 14.51% | 4.49% | -10.43% | 35.93% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | CHF5.06B | 23.35 | 9.10% | 3.15% | -4.31% | 2.52% | |
63 Neutral | CHF124.33B | 20.21 | 8.63% | 1.99% | -14.03% | 66.93% | |
60 Neutral | CHF13.60B | 17.82 | ― | 4.14% | -3.23% | -25.30% |
* Financial Sector Average
CH:UBSG
UBS Group AG
41.06
16.77
69.01%
CH:PGHN
Partners Group Holding AG
699.60
-239.42
-25.50%
CH:BAER
Julius Baer Group Ltd
66.38
16.68
33.57%
CH:EFGN
EFG International AG
16.74
3.00
21.84%
CH:ZURN
Zurich Insurance Group
573.40
47.22
8.97%
CH:SREN
Swiss Re AG
122.10
-8.48
-6.50%
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.