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UBS Group AG

UBS Financial Banks Diversified

UBS Group AG’s revenue for fiscal 2025 (year ended December 2025) was $76.1 billion, down 9.98% from fiscal 2024.

Revenue
−43.5%
EPS
+12.1%
Free cash flow
−53.0%
Total debt
−2.27%

Quarter to September 2026, against a year earlier

48.77 1.90 −3.75%
Market cap
$147.8B
P/E
15.4×
Fwd P/E
13.8×
Dividend yield
2.26%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 8.53%

Capital & Financial Ratios $m

Size
Market Cap 147,790.00
Revenue ttm 60,559.00
Net income ttm 11,961.00
Free cash flow ttm 11,828.00
Net debt Q 81,042.00
Valuation
P/E 15.41
Forward P/E 13.80
Price / sales 2.46
Forward P/S Powerpack
Price / FCF 12.58
Price / book 1.67
Financial health
Current ratio Q 1.08
Debt / equity Q 3.66
Interest coverage Q —
Growth
Revenue growth Q −43.47% (below 0%: shrinking)
Operating income growth Q −58.47% (below 0%: shrinking)
EPS, this year +33.30% (at or above 15%: strong)
EPS, next year A +14.92%
Revenue, next year A −35.27% (below 0%: weak)
EPS, past 5 yrs +5.68%
EPS, next 5 yrs A +20.25% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 64.50%
10-year low 10-year high
P/S against its own 10 years 99.78%
10-year low 10-year high
P/B against its own 10 years 97.43%
10-year low 10-year high

Dividends

Yield
2.26%
Annual rate
1.10
Payout ratio
36.3%
Growth, 2018–26
−2.06%/yr
  1. 1.30 ’18
  2. 0.69 ’19 −47
  3. 1.09 ’20 +59
  4. 0.19 ’21 −83
  5. 0.25 ’22 +35
  6. 0.28 ’23 +10
  7. 1.05 ’24 +282
  8. 0.90 ’25 −14
  9. 1.10 ’26 +22
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 533,775 426,353 426,109 243,939
Receivables — — — —
Inventory — — — —
Other — — — —
1,314,666 1,169,382 1,218,839 1,036,250
2023 2024 2025 Q'26
Payables 792,029 745,777 788,367 778,458
ST’ Debt — — — —
Other 34,159 35,247 53,700 57,891
1,003,461 904,426 960,994 963,987

Compound Annual Growth %

10y 5y 3y
Sales 7.00% 16.13% 22.78%
Cash Flow 21.05% (9.98%) 14.26%
Earnings 1.87% 3.45% 0.59%
Book Value 4.26% 8.65% 16.51%

Earnings Trends EPS, adjusted, against the consensus

Sep 2026 Estimate 0.91 Actual 0.85

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Dec 2025 0.25 0.37 Beat by 0.12
Mar 2026 0.85 0.94 Beat by 0.09
Jun 2026 0.90 0.87 Miss by 0.03
Sep 2026 0.91 0.85 Miss by 0.06
Dec 2026 0.90 — Reports 3 February 2027

EPS $

Mar Jun Sep Dec Year
’26 0.94 0.87 0.85 — —
’25 0.51 0.72 0.76 0.37 2.36
’24 0.52 0.34 0.43 0.23 1.52
’23 0.32 8.99 (0.24) (0.09) 8.81
’22 0.61 0.61 0.52 0.50 2.25
’21 0.49 0.55 0.63 0.38 2.06
’20 0.43 0.33 0.56 0.46 1.79
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 19,981 11,302 10,936 — —
’25 19,505 18,929 19,344 18,340 76,118
’24 22,461 21,222 21,355 19,520 84,558
’23 12,558 42,684 20,776 20,296 96,314
’22 10,163 9,987 9,995 10,982 41,127
’21 9,510 9,732 9,938 8,042 37,222
’20 9,587 8,768 9,936 7,741 36,032
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 — 8,054 — — —
’25 15,377 5,512 (3,913) 4,875 21,851
’24 11,544 314 4,103 (12,682) 3,279
’23 (25,106) 42,771 30,466 37,937 86,068
’22 27,279 (9,129) (3,150) (353) 14,647
’21 362 (2,498) 23,428 10,133 31,425
’20 35,832 4,949 (7,273) 3,450 36,958
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 — 6,975 — — —
’25 14,845 4,997 (4,469) 4,325 19,698
’24 11,159 (174) 3,552 (13,158) 1,379
’23 (25,481) 42,317 30,131 37,481 84,448
’22 26,877 (9,485) (3,564) (663) 13,165
’21 (70) (2,698) 22,974 9,673 29,879
’20 35,461 4,495 (7,419) 2,933 35,470
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 36,278 33,520 35,383 35,151 36,032 37,222 41,127 96,314 84,558 76,118 60,559 +8.6% 49,268 50,511 52,239 (11.8%)
Gross margin, % 79.37 88.76 85.72 82.41 91.82 95.09 84.04 70.70 57.49 65.13 80.29 (14.2) pt
EBT 4,153 5,351 5,991 5,577 8,155 9,484 9,604 28,255 6,821 8,853 12,722 +8.8%
EBT margin, % 11.45 15.96 16.93 15.87 22.63 25.48 23.35 29.34 8.07 11.63 21.01 +0.2 pt
Net income 3,336 1,046 4,522 4,310 6,572 7,486 7,661 27,382 5,146 7,797 11,961 +9.9%
Per share, $
Per share, $ Revenue 9.75 9.02 9.49 9.60 10.06 10.69 12.61 30.55 26.44 24.15 19.85 +10.6%
Earnings 0.90 0.26 1.31 1.17 1.85 2.14 2.34 9.21 1.59 2.46 3.17 +11.8%
Cash flow (4.49) (14.02) 7.75 5.38 10.31 9.02 4.49 27.30 1.03 6.93 0.00 n/m
Capex (0.43) (0.43) (0.42) (0.43) (0.42) (0.44) (0.45) (0.51) (0.59) (0.68) 0.00 +5.3%
Free cash flow (4.92) (14.44) 7.33 4.95 9.90 8.58 4.04 26.79 0.43 6.25 0.00 n/m
Book value 14.82 14.14 14.24 14.93 16.68 17.51 17.55 27.33 26.75 28.71 29.14 +7.6%
Shares, m 3,720 3,716 3,730 3,663 3,583 3,483 3,261 3,153 3,198 3,152 3,095 (1.8%)
Valuation, ×
Valuation, × P/E 17.96 59.68 10.35 10.66 7.68 8.35 8.10 3.24 19.07 18.83 15.41 16.4
P/S 1.68 2.05 1.31 1.31 1.41 1.67 1.50 1.00 1.15 1.92 2.46 1.5
P/B 1.10 1.31 0.87 0.84 0.85 1.02 1.08 1.11 1.13 1.61 1.67 1.1
EV/Sales (4.17) 4.43 2.93 2.65 1.67 1.39 1.11 (0.75) (0.09) 0.64 — 1.0
EV/FCF 8.26 (2.77) 3.79 5.13 1.70 1.74 3.46 (0.85) (5.26) 2.45 — 1.8
Cash, $m
Cash, $m Operating cash flow (16,709) (52,099) 28,913 19,705 36,958 31,425 14,647 86,068 3,279 21,851 14,528 n/m
Capex (1,592) (1,580) (1,574) (1,573) (1,488) (1,546) (1,482) (1,620) (1,900) (2,153) (2,700) +3.4%
Free cash flow (18,301) (53,679) 27,339 18,132 35,470 29,879 13,165 84,448 1,379 19,698 11,828 n/m
Balance, $m
Balance, $m Working capital 75,928 13,720 41,957 1,552 31,810 70,221 45,267 311,205 264,956 257,845 72,263 +14.5%
Net debt (211,907) 79,857 57,330 46,949 9,507 (10,377) (16,218) (167,669) (104,225) (97,609) 81,042 (8.3%)
Shareholders’ equity 55,133 52,554 53,103 54,675 59,765 61,002 57,218 86,156 85,574 90,484 88,889 +5.7%
Returns, %
Returns, % ROA 0.34 0.10 0.48 0.45 0.63 0.66 0.69 1.94 0.31 0.49 0.59 +0.2 pt
ROIC 0.00 2.53 3.39 3.43 7.36 11.71 14.64 0.00 0.00 0.00 2.91 0.0 pt
ROE 5.67 1.80 8.55 7.99 11.46 12.35 12.91 38.17 5.92 8.82 10.86 +3.2 pt
People
People Employees 13,526 62,558 66,888 68,601 71,551 71,385 72,597 112,842 108,648 103,177 — +25.3%
Revenue/emp, $m 2.68 0.54 0.53 0.51 0.50 0.52 0.57 0.85 0.78 0.74 — (13.4%)
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

UBS Group AG vs peers in Banks Diversified (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
WFC Wells Fargo & Company $254.6B 11.9× 11.4× +4.25% (above 0%: growing) +12.50% (above 0%: growing) +1,120.37% (above 0%: growing) 65.75% 0.00% Compare
MUFG Mitsubishi UFJ Financial Group, Inc. $238.0B 16.5× — +21.62% (above 0%: growing) +32.35% (above 0%: growing) −145.30% (below 0%: shrinking) 61.56% 0.00% Compare
C Citigroup Inc. $198.7B 11.6× 10.8× +4.08% (above 0%: growing) +49.21% (above 0%: growing) +33.24% (above 0%: growing) 52.26% 0.00% Compare
SAN Banco Santander, S.A. $174.7B 9.8× 9.4× −73.32% (below 0%: shrinking) −3.70% (below 0%: shrinking) +381.00% (above 0%: growing) 100.00% 0.00% Compare
SMFG Sumitomo Mitsui Financial Group Inc $148.3B 8.9× — +17.73% (above 0%: growing) +85.19% (above 0%: growing) −63.80% (below 0%: shrinking) 58.44% 0.00% Compare
UBS UBS Group AG $147.8B 15.4× 13.8× −43.47% (below 0%: shrinking) +12.05% (above 0%: growing) −53.01% (below 0%: shrinking) 100.00% 0.00%
BBVA Banco Bilbao Viscaya Argentaria S.A. $139.2B 10.9× 7.7× +18.06% (above 0%: growing) +29.76% (above 0%: growing) −91.70% (below 0%: shrinking) 100.00% 0.00% Compare
BNY BNY $99.3B 16.2× 15.8× −4.67% (below 0%: shrinking) +24.74% (above 0%: growing) +369.64% (above 0%: growing) 57.04% 0.00% Compare
ING ING Group, N.V. $92.8B 13.8× 6.6× +29.83% (above 0%: growing) +14.75% (above 0%: growing) −26.97% (below 0%: shrinking) 100.00% 0.00% Compare
Median of peers $161.5B 11.7× 10.1× +10.99% +27.25% +3.13% 63.66% 0.00%

All 15 Banks Diversified stocks →

UBS Group AG (UBS) Latest News

2 Nov

Impact 3 · · Zacks

29 Oct

Impact 4 · · privatebankerinternational.com
Impact 3 · · MT Newswires

28 Oct

Impact 4 · · Simply Wall St.
Impact 4 · · The Motley Fool transcript
Impact 4 · · Investing.com
Impact 4 · · The Telegraph
Impact 4 · · The Telegraph
Impact 4 · · MarketBeat
Impact 4 · · Business Wire
Impact 4 · · Business Wire earnings
Impact 3 · · Simply Wall St.
Impact 3 · · MT Newswires
Impact 3 · · Associated Press
Impact 3 · · Proactive Investors
Impact 3 · · Proactive Investors
Impact 3 · · Investing.com
Impact 3 · · Zacks
Impact 3 · · Investing.com
Impact 3 · · Zacks
Impact 3 · · Bloomberg
Impact 3 · · Investing.com

27 Oct

Impact 4 · · marketwatch.com
Impact 3 · · Investing.com
Impact 3 · · InvestorsHub

26 Oct

Impact 4 · · privatebankerinternational.com
Impact 3 · · Investing.com

25 Oct

Impact 4 · · Investing.com

24 Oct

Impact 3 · · Investing.com

23 Oct

Impact 4 · · Proactive Investors

UBS metrics, ten years each

stockrow.com/UBS · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com