Saturday 17 October 2026 Export UBS’s income statement to Excel — free account

UBS Group AG

UBS Group AG’s revenue for fiscal 2025 (year ended December 2025) was $76.1 billion, down 9.98% from fiscal 2024. In the quarter to June 2026, revenue fell 40.3%, EPS grew 21.3%, free cash flow fell 53.0% and total debt rose 1.57%, each against the same quarter a year earlier.

47.68 0.10 −0.21%

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Market cap: $146.3B
P/E: 15.5×
Fwd P/E: 14.4×
Dividend yield: 2.31%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 8.55%

Capital & Financial Ratios $m

Market Cap 146,290.00

Revenue 68,967.00

Net Income 11,961.00

Free Cash Flow 11,828.00

Net Debt 76,522.00

Current Ratio 1.10

Debt/Equity 3.84

P/E ratio 15.53

Fwd P/E 14.40

P/S ratio 2.13

P/B ratio 1.64

Past 5Y EPS Growth 5.68%

This Y EPS Growth 31.85%

Next Y EPS Growth 16.30%

Next Y revenue growth (35.26%)

Next 5Y EPS Growth 20.11%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 64.84%

10-year low 10-year high

P/S against its own 10 years 96.61%

10-year low 10-year high

P/B against its own 10 years 96.24%

10-year low 10-year high

Dividends

Payout Ratio 0.37

Annual Dividend Rate 1.10

Annual Dividend Yield 2.31%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	1.10	1.10
2025	0.90	0.90
2024	1.05	0.70 0.35
2023	0.28	0.28
2022	0.25	0.25
2021	0.19	0.19
2020	1.09	0.18 0.73 0.18
2019	0.69	0.69
2018	1.30	0.65 0.65
2017	0.61	0.61
2016	1.48	0.60 0.88

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	533,775	426,353	426,109	267,030
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,314,666	1,169,382	1,218,839	1,079,151

	2023	2024	2025	Q'26
Payables	792,029	745,777	788,367	784,845
ST’ Debt	—	—	—	—
Other	34,159	35,247	53,700	61,882
	1,003,461	904,426	960,994	978,792

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%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	19,981	11,302	—	—	—
’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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.94	0.87	—	—	—
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	11.93	15.10	11.61	10.12	7.48	14.17	13.80	17.99	26.01	25.75	Analyst estimates 2026–2028 Powerpack
	High	19.14	18.47	20.89	13.62	14.78	18.67	21.49	31.40	33.34	47.31
People
People	Employees	13,526	62,558	66,888	68,601	71,551	71,385	72,597	112,842	108,648	103,177
	Revenue/emp, $m	2.68	0.54	0.53	0.51	0.50	0.52	0.57	0.85	0.78	0.74
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
	Gross margin, %	79.37	88.76	85.72	82.41	91.82	95.09	84.04	70.70	57.49	65.13
	EBT	4,153	5,351	5,991	5,577	8,155	9,484	9,604	28,255	6,821	8,853
	EBT margin, %	11.45	15.96	16.93	15.87	22.63	25.48	23.35	29.34	8.07	11.63
	Net income	3,336	1,046	4,522	4,310	6,572	7,486	7,661	27,382	5,146	7,797
	Depreciation	1,092	1,124	1,293	1,940	2,126	2,118	2,061	3,750	3,798	3,529
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
	Earnings	0.90	0.32	1.31	1.17	1.85	2.14	2.34	9.21	1.59	2.46
	Cash flow	(4.49)	(14.02)	7.75	5.38	10.31	9.02	4.49	27.30	1.03	6.93
	Capex	(0.43)	(0.43)	(0.42)	(0.43)	(0.42)	(0.44)	(0.45)	(0.51)	(0.59)	(0.68)
	Free cash flow	(4.92)	(14.44)	7.33	4.95	9.90	8.58	4.04	26.79	0.43	6.25
	Book value	14.82	14.14	14.24	14.93	16.68	17.51	17.55	27.33	26.75	28.71
	Shares, m	3,720	3,716	3,730	3,663	3,583	3,483	3,261	3,153	3,198	3,152
Valuation, ×
Valuation, ×	P/E	17.96	59.68	10.35	10.66	7.68	8.35	8.10	3.24	19.07	18.83
	P/S	1.68	2.05	1.31	1.31	1.41	1.67	1.50	1.00	1.15	1.92
	P/B	1.10	1.31	0.87	0.84	0.85	1.02	1.08	1.11	1.13	1.61
	EV/Sales	(4.17)	4.43	2.93	2.65	1.67	1.39	1.11	(0.75)	(0.09)	0.64
	EV/FCF	8.26	(2.77)	3.79	5.13	1.70	1.74	3.46	(0.85)	(5.26)	2.45
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
	Capex	(1,592)	(1,580)	(1,574)	(1,573)	(1,488)	(1,546)	(1,482)	(1,620)	(1,900)	(2,153)
	Free cash flow	(18,301)	(53,679)	27,339	18,132	35,470	29,879	13,165	84,448	1,379	19,698
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
	Total debt	105,235	193,942	189,302	177,306	200,475	212,954	188,259	366,106	322,128	328,500
	Net debt	(211,907)	79,857	57,330	46,949	9,507	(10,377)	(16,218)	(167,669)	(104,225)	(97,609)
	Shareholders’ equity	55,133	52,554	53,103	54,675	59,765	61,002	57,218	86,156	85,574	90,484
Returns, %
Returns, %	ROA	0.34	0.10	0.48	0.45	0.63	0.66	0.69	1.94	0.31	0.49
	ROIC	0.00	2.53	3.39	3.43	7.36	11.71	14.64	0.00	0.00	0.00
	ROE	5.67	1.80	8.55	7.99	11.46	12.35	12.91	38.17	5.92	8.82

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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	$248.4B	11.5×	11.7×	+4.25% (above 0%: growing)	+17.18% (above 0%: growing)	+160.40% (above 0%: growing)	65.75%	0.00%	Compare
MUFG Mitsubishi UFJ Financial Group, Inc.	$246.1B	17.0×	—	+21.62% (above 0%: growing)	+32.35% (above 0%: growing)	−145.30% (below 0%: shrinking)	61.56%	0.00%	Compare
C Citigroup Inc.	$206.7B	12.1×	12.2×	+4.08% (above 0%: growing)	+52.35% (above 0%: growing)	+33.24% (above 0%: growing)	52.26%	0.00%	Compare
SAN Banco Santander, S.A.	$195.8B	10.7×	10.1×	+4.44% (above 0%: growing)	+8.00% (above 0%: growing)	−105.65% (below 0%: shrinking)	100.00%	0.00%	Compare
UBS UBS Group AG	$146.3B	15.5×	14.4×	−40.29% (below 0%: shrinking)	+21.33% (above 0%: growing)	−53.01% (below 0%: shrinking)	100.00%	0.00%
BBVA Banco Bilbao Viscaya Argentaria S.A.	$141.0B	11.7×	7.7×	+23.54% (above 0%: growing)	+19.23% (above 0%: growing)	+439.38% (above 0%: growing)	100.00%	0.00%	Compare
BNY BNY	$96.4B	15.5×	16.3×	−4.67% (below 0%: shrinking)	+30.67% (above 0%: growing)	+7.45% (above 0%: growing)	57.04%	0.00%	Compare
ING ING Group, N.V.	$93.6B	14.2×	6.6×	+29.83% (above 0%: growing)	+14.75% (above 0%: growing)	−26.97% (below 0%: shrinking)	100.00%	0.00%	Compare
BCS Barclays PLC	$76.0B	8.5×	8.8×	+16.58% (above 0%: growing)	+45.16% (above 0%: growing)	−13.85% (below 0%: shrinking)	100.00%	0.00%	Compare
Median of peers	$168.4B	11.9×	10.1×	+10.51%	+24.95%	−3.20%	82.88%	0.00%

All 14 Banks Diversified stocks →

UBS Group AG (UBS) key facts

Concern: UBS Group AG’s revenue for fiscal 2025 (year ended December 2025) was $76.1 billion, down 9.98% from fiscal 2024.
UBS Group AG (UBS) is a Banks Diversified company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, UBS traded at $47.68, a market capitalization of $146.3 billion.
UBS Group AG pays an annual dividend of $1.10 per share, a yield of 2.31%, with a payout ratio of 37.4%.
Return on equity was 8.82% and debt-to-equity 3.84.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.