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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. 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%
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% (at or above 15%: strong)
Next Y EPS Growth 16.30% (at or above 15%: strong)
Next Y revenue growth (35.26%) (below 0%: weak)
Next 5Y EPS Growth 20.11% (at or above 15%: strong)

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.

Target Price Range

Analyst price targets

Recommendation Rating

2.7
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
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

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 $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.

Source: company filings (standardised) and stockrow calculations.

UBS Group AG (UBS) Latest News

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stockrow.com/UBS · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com