(UBS) UBS - Ratings and Ratios
Wealth Management, Banking, Asset Management, Investment Bank
UBS EPS (Earnings per Share)
UBS Revenue
Description: UBS UBS September 25, 2025
UBS Group AG (NYSE:UBS) is a Swiss-based, globally diversified financial services firm that delivers advice and solutions to private, institutional, and corporate clients across five operating divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, Investment Bank, and Non-core & Legacy.
Its product suite spans traditional banking (deposits, credit/debit cards, mortgage and structured lending) and wealth-management services (estate planning, retirement solutions, multi-asset investment strategies), as well as corporate and institutional offerings such as equity & debt capital markets, syndicated credit, transaction banking, trade finance, and global custody.
On the investment-side, UBS provides access to equities, fixed income, hedge funds, real-estate and private-market assets, alongside indexed and alternative beta strategies, customized multi-asset solutions, and fiduciary advisory services. It also facilitates securities trading, risk-management, and liquidity provision across FX, rates, credit, and precious-metal markets.
Key quantitative indicators (as of FY 2023) include CHF 30 billion in assets under management, a net profit of CHF 7.5 billion, and a cost-to-income ratio of roughly 68 %, reflecting ongoing efficiency drives in a low-interest-rate environment. The firm’s return on equity (ROE) hovered around 12 %, consistent with peers in the diversified capital-markets sector.
Macro-level drivers that materially affect UBS’s outlook are: (1) the trajectory of global interest rates, which influence net interest margins in banking; (2) wealth-creation trends in Asia-Pacific, underpinning growth in Global Wealth Management; and (3) regulatory capital requirements that shape the scale and profitability of its investment-banking activities.
For a deeper quantitative comparison of UBSs valuation metrics against peers, the ValueRay platform offers a granular, data-driven dashboard worth exploring.
UBS Stock Overview
| Market Cap in USD | 123,883m |
| Sub-Industry | Diversified Capital Markets |
| IPO / Inception | 2014-11-21 |
UBS Stock Ratings
| Growth Rating | 90.2% |
| Fundamental | 57.0% |
| Dividend Rating | 36.3% |
| Return 12m vs S&P 500 | 5.73% |
| Analyst Rating | 2.50 of 5 |
UBS Dividends
| Dividend Yield 12m | 3.46% |
| Yield on Cost 5y | 13.99% |
| Annual Growth 5y | -7.93% |
| Payout Consistency | 68.7% |
| Payout Ratio | 57.9% |
UBS Growth Ratios
| Growth Correlation 3m | 15.4% |
| Growth Correlation 12m | 78.1% |
| Growth Correlation 5y | 95.9% |
| CAGR 5y | 40.42% |
| CAGR/Max DD 3y (Calmar Ratio) | 1.50 |
| CAGR/Mean DD 3y (Pain Ratio) | 8.12 |
| Sharpe Ratio 12m | 1.23 |
| Alpha | 7.90 |
| Beta | 0.916 |
| Volatility | 26.25% |
| Current Volume | 1947.5k |
| Average Volume 20d | 1827k |
| Stop Loss | 37.9 (-3%) |
| Signal | -0.01 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (6.28b TTM) > 0 and > 6% of Revenue (6% = 3.06b TTM) |
| FCFTA 0.11 (>2.0%) and ΔFCFTA 5.97pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -994.5% (prev -1189 %; Δ 194.6pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.11 (>3.0%) and CFO 185.93b > Net Income 6.28b (YES >=105%, WARN >=100%) |
| Net Debt (204.02b) to EBITDA (17.73b) ratio: 11.50 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.45 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (3.31b) change vs 12m ago -1.57% (target <= -2.0% for YES) |
| Gross Margin 37.42% (prev 98.78%; Δ -61.36pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 3.16% (prev 2.87%; Δ 0.29pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.46 (EBITDA TTM 17.73b / Interest Expense TTM 30.67b) >= 6 (WARN >= 3) |
Altman Z'' -1.72
| (A) -0.30 = (Total Current Assets 410.45b - Total Current Liabilities 917.96b) / Total Assets 1669.99b |
| (B) 0.05 = Retained Earnings (Balance) 79.73b / Total Assets 1669.99b |
| (C) 0.01 = EBIT TTM 14.12b / Avg Total Assets 1615.48b |
| (D) 0.05 = Book Value of Equity 85.55b / Total Liabilities 1580.29b |
| Total Rating: -1.72 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 56.97
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 127.3% = 5.0 |
| 3. FCF Margin data missing |
| 4. Debt/Equity 2.87 = -0.58 |
| 5. Debt/Ebitda 11.50 = -2.50 |
| 6. ROIC - WACC (= -1.36)% = -1.70 |
| 7. RoE 7.21% = 0.60 |
| 8. Rev. Trend 82.23% = 6.17 |
| 9. EPS Trend 29.73% = 1.49 |
What is the price of UBS shares?
Over the past week, the price has changed by +4.07%, over one month by -5.42%, over three months by +3.47% and over the past year by +26.59%.
Is UBS a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of UBS is around 50.01 USD . This means that UBS is currently undervalued and has a potential upside of +27.94% (Margin of Safety).
Is UBS a buy, sell or hold?
- Strong Buy: 0
- Buy: 0
- Hold: 1
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the UBS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 41.2 | 5.3% |
| Analysts Target Price | 41.2 | 5.3% |
| ValueRay Target Price | 54 | 38.2% |
UBS Fundamental Data Overview October 29, 2025
P/E Trailing = 20.3594
P/E Forward = 14.3678
P/S = 2.6352
P/B = 1.432
P/EG = 0.5909
Beta = 0.916
Revenue TTM = 51.03b USD
EBIT TTM = 14.12b USD
EBITDA TTM = 17.73b USD
Long Term Debt = 307.98b USD (from longTermDebt, last quarter)
Short Term Debt = 31.93b USD (from shortTermDebt, last quarter)
Debt = 256.64b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 204.02b USD (from netDebt column, last quarter)
Enterprise Value = 144.33b USD (123.88b + Debt 256.64b - CCE 236.19b)
Interest Coverage Ratio = 0.46 (Ebit TTM 14.12b / Interest Expense TTM 30.67b)
FCF Yield = 127.3% (FCF TTM 183.72b / Enterprise Value 144.33b)
FCF Margin = 360.0% (FCF TTM 183.72b / Revenue TTM 51.03b)
Net Margin = 12.31% (Net Income TTM 6.28b / Revenue TTM 51.03b)
Gross Margin = 37.42% ((Revenue TTM 51.03b - Cost of Revenue TTM 31.94b) / Revenue TTM)
Gross Margin QoQ = 58.92% (prev 35.55%)
Tobins Q-Ratio = 0.09 (Enterprise Value 144.33b / Total Assets 1669.99b)
Interest Expense / Debt = 2.66% (Interest Expense 6.82b / Debt 256.64b)
Taxrate = -9.53% (negative due to tax credits) (-209.0m / 2.19b)
NOPAT = 15.46b (EBIT 14.12b * (1 - -9.53%)) [negative tax rate / tax credits]
Current Ratio = 0.45 (Total Current Assets 410.45b / Total Current Liabilities 917.96b)
Debt / Equity = 2.87 (Debt 256.64b / totalStockholderEquity, last quarter 89.28b)
Debt / EBITDA = 11.50 (Net Debt 204.02b / EBITDA 17.73b)
Debt / FCF = 1.11 (Net Debt 204.02b / FCF TTM 183.72b)
Total Stockholder Equity = 87.14b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.38% (Net Income 6.28b / Total Assets 1669.99b)
RoE = 7.21% (Net Income TTM 6.28b / Total Stockholder Equity 87.14b)
RoCE = 3.57% (EBIT 14.12b / Capital Employed (Equity 87.14b + L.T.Debt 307.98b))
RoIC = 3.66% (NOPAT 15.46b / Invested Capital 422.76b)
WACC = 5.02% (E(123.88b)/V(380.52b) * Re(9.39%) + D(256.64b)/V(380.52b) * Rd(2.66%) * (1-Tc(-0.10)))
Discount Rate = 9.39% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.25%
[DCF Debug] Terminal Value 68.57% ; FCFE base≈141.63b ; Y1≈109.86b ; Y5≈70.13b
Fair Price DCF = 332.1 (DCF Value 1052.52b / Shares Outstanding 3.17b; 5y FCF grow -26.71% → 3.0% )
EPS Correlation: 29.73 | EPS CAGR: -20.84% | SUE: -1.14 | # QB: 0
Revenue Correlation: 82.23 | Revenue CAGR: 36.13% | SUE: 0.67 | # QB: 0
Additional Sources for UBS Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle