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Ubs Group (CH:UBSG)
:UBSG
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UBS Group AG
(NYSE:UBSG)
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Rating:73Outperform
Price Target:―
UBS Group AG's overall score reflects its strong financial health and moderate valuation, with potential for growth. While technical indicators suggest caution due to mixed signals, the company's earnings call highlighted key strengths in profitability and strategic initiatives. High leverage and sector-specific challenges remain as risks.
Positive Factors
Negative Factors
UBS Group AG (UBSG) vs. iShares MSCI Switzerland ETF (EWL)
Market Cap
CHF92.94B
Dividend Yield2.47%
Average Volume (3M)5.46M
Price to Earnings (P/E)15.3
Beta (1Y)1.33
Revenue Growth-12.37%
EPS Growth142.75%
CountryCH
Employees106,789
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)0.61
Shares Outstanding3,341,581,800
10 Day Avg. Volume4,846,894
30 Day Avg. Volume5,460,813
Financial Highlights & Ratios
PEG Ratio-0.23
Price to Book (P/B)1.15
Price to Sales (P/S)2.13
P/FCF Ratio76.84
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
CHF34.85Price Target Upside17.15% Upside
Rating ConsensusHold
Number of Analyst Covering12
EPS Forecast (FY)2.04
Revenue Forecast (FY)CHF39.24B
UBS Group AG Business Overview & Revenue Model
Company DescriptionUBS Group AG (UBSG) is a Swiss multinational investment bank and financial services company headquartered in Zurich and Basel. The company operates in several sectors, including wealth management, investment banking, asset management, and retail banking. UBS is known for its comprehensive financial services for private, corporate, and institutional clients worldwide, offering solutions such as investment advisory, portfolio management, and financial planning.
How the Company Makes MoneyUBS Group AG generates revenue through various key streams. The wealth management division is a significant contributor, earning fees from advisory services, portfolio management, and brokerage services. The investment banking division derives income from underwriting, advisory fees, trading, and capital markets activities. The asset management division earns fees from managing a wide range of investment products for institutional and individual clients. Retail banking services, primarily in Switzerland, provide additional revenue through traditional banking activities such as lending and deposit services. Strategic partnerships and collaborations with other financial institutions also enhance UBS's capabilities and revenue potential.
UBS Group AG Earnings Call Summary
Earnings Call Date:Oct 29, 2025
(Q3-2025)
| % Change Since: |
Next Earnings Date:Feb 04, 2026
Earnings Call Sentiment Positive
UBS reported strong financial results with significant growth in profits and assets, successful integration efforts, and advancements in AI. However, challenges remain in the U.S. Wealth Management sector and macroeconomic uncertainties could impact future performance.Q3-2025 Updates
Positive Updates
Strong Financial Performance
UBS delivered a reported net profit of $2.5 billion, up 74% year-over-year, with an underlying pretax profit of $3.6 billion, up 50%.
Record Invested Assets
Invested assets reached nearly $7 trillion, with Global Wealth Management and Asset Management showing robust flows, surpassing $2 trillion in invested assets for the first time.
Successful Integration and Cost Savings
UBS has migrated over 700,000 client accounts onto its platforms and achieved $10 billion in gross run rate cost savings, one quarter ahead of schedule.
AI Advancements
UBS has developed 340 live AI use cases to enhance client experience and improve operational efficiency.
Investment Bank Outperformance
The Investment Bank reported a pretax profit of $787 million, more than doubling year-over-year, with revenues up by 23% to $3 billion.
Negative Updates
Challenges in the U.S. Wealth Management
Net new assets in the Americas were negative $9 billion due to adviser movement following structural changes.
Macro Uncertainties Impacting Outlook
Macro uncertainties, including a strong Swiss franc and higher U.S. tariffs, cloud the outlook for the Swiss economy.
Potential Impact of U.S. Government Shutdown
A prolonged U.S. government shutdown may delay capital market activities, impacting the Investment Bank's performance.
Company Guidance
In the third quarter of 2025, UBS delivered strong financial performance with a reported net profit of $2.5 billion, up 74% year-over-year, and earnings per share of $0.76. The underlying pretax profit rose by 50% to $3.6 billion, with a 5% revenue growth. Key metrics included a return on CET1 capital of 16.3% and invested assets reaching nearly $7 trillion, including over $2 trillion in Asset Management. The Global Wealth Management division saw robust net new assets of $38 billion, with Asia Pacific contributing significantly. The bank's CET1 capital ratio stood at 14.8%, while the balance sheet totaled $1.6 trillion in assets. UBS also reported a successful reduction in costs, achieving $900 million in incremental gross run rate cost savings in the quarter, and highlighted progress in its integration efforts, with 700,000 client accounts in Switzerland migrated onto UBS platforms. Additionally, UBS resolved significant legacy litigation issues and continued to strategically invest, including filing for a national bank charter in the U.S. with expected approval in 2026.UBS Group AG Financial Statement Overview
Summary
UBS Group AG exhibits a strong financial position with stable profitability and effective cash flow management. Despite high leverage, the company is well-positioned in the diversified banking sector with opportunities for growth.Income Statement
UBS Group AG demonstrates strong profitability with a stable gross profit margin, despite a slight decrease in total revenue in TTM (Trailing-Twelve-Months). Notably, the net profit margin of 10.98% for TTM is commendable, indicating effective cost management. However, the revenue growth rate presents a minor concern with a slight decline compared to the previous year.85
Very Positive
Balance Sheet
The balance sheet reflects solid equity with a debt-to-equity ratio of 3.85, which is relatively high, suggesting significant leverage. However, the equity ratio of 5.65% indicates a stable capital structure. UBS maintains a strong cash position, crucial for liquidity management in a diversified bank.75
Positive
Cash Flow
The cash flow statement shows healthy free cash flow growth, supported by a robust operating cash flow to net income ratio of 1.42 for TTM. Despite a decrease in free cash flow in TTM, UBS's effective cash flow management ensures sufficient liquidity for operations and investments.78
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 47.26B | 47.99B | 38.94B | 34.17B | 35.53B | 32.43B |
| Gross Profit | 47.26B | 47.99B | 38.94B | 34.17B | 35.53B | 32.43B |
| EBITDA | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Income | 6.32B | 5.08B | 26.90B | 7.63B | 7.44B | 6.57B |
Balance Sheet | ||||||
| Total Assets | 1.67T | 1.57T | 1.72T | 1.10T | 1.12T | 1.13T |
| Cash, Cash Equivalents and Short-Term Investments | 245.66B | 227.90B | 319.36B | 175.06B | 203.64B | 168.52B |
| Total Debt | 368.72B | 353.05B | 399.50B | 212.81B | 230.65B | 206.46B |
| Total Liabilities | 1.58T | 1.48T | 1.63T | 1.05T | 1.06T | 1.07T |
| Stockholders Equity | 89.28B | 85.08B | 85.62B | 56.88B | 60.66B | 59.45B |
Cash Flow | ||||||
| Free Cash Flow | 10.11B | 1.27B | 84.38B | 13.00B | 29.58B | 35.10B |
| Operating Cash Flow | 12.31B | 3.28B | 86.07B | 14.65B | 31.43B | 36.96B |
| Investing Cash Flow | -15.99B | 709.00M | 103.23B | -12.45B | -2.12B | -6.79B |
| Financing Cash Flow | -35.02B | -84.17B | -58.26B | -9.09B | 10.35B | 12.43B |
UBS Group AG Technical Analysis
Negative
29.75
Price Trends
31.48
Negative
31.21
Negative
28.93
Positive
Market Momentum
-0.31
Positive
37.05
Neutral
15.90
Positive
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 29.75 is below the 20-day moving average (MA) of 30.70, below the 50-day MA of 31.48, and above the 200-day MA of 28.93, indicating a neutral trend. The MACD of -0.31 indicates Positive momentum. The RSI at 37.05 is Neutral, neither overbought nor oversold. The STOCH value of 15.90 is Positive, 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 |
|---|---|---|---|---|---|---|---|
78 Outperform | $79.70B | 15.82 | 23.97% | 4.95% | -7.33% | 17.93% | |
73 Outperform | CHF92.94B | 15.29 | 8.30% | 2.47% | -12.37% | 142.75% | |
73 Outperform | $37.49B | 12.63 | 17.22% | 4.32% | -4.94% | -5.71% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | CHF24.84B | 20.77 | ― | 4.53% | 23.34% | 24.97% | |
66 Neutral | CHF11.00B | 12.73 | ― | 4.65% | 1.02% | 131.90% | |
64 Neutral | $4.98B | 13.65 | 19.05% | 3.48% | -0.27% | 21.41% |
* Financial Sector Average
CH:UBSG
UBS Group AG
30.25
3.36
12.50%
CH:PGHN
Partners Group Holding AG
928.60
-275.90
-22.91%
CH:BAER
Julius Baer Group Ltd
56.92
2.74
5.06%
CH:EFGN
EFG International AG
17.94
6.71
59.78%
CH:ZURN
Zurich Insurance Group
568.80
43.51
8.28%
CH:SREN
Swiss Re AG
138.80
15.45
12.53%
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.