Overview Dividends

(UBS) UBS - Ratings and Ratios

Exchange: NYSE • Country: Switzerland • Currency: USD • Type: Common Stock • ISIN: CH0244767585

Wealth Management, Banking, Asset Management, Investment Bank

EPS (Earnings per Share)

EPS Growth (3y CAGR): 24.72%
EPS Trend (3y Corr): 57.1%

Last SUE: 1.54σ
Qual. Beats: 1

Revenue

Revenue Growth (3y CAGR): -53.03%
Revenue Trend (3y Corr): -26.5%

Last SUE: -0.66σ
Qual. Beats: 0

Risk via 10d forecast
Volatility	26.6%
Value at Risk 5%th	42.6%
Relative Tail Risk	-2.67%

Reward TTM
Sharpe Ratio	0.80
Alpha	13.67

Character TTM
Hurst Exponent	0.421
Beta	0.957
Beta Downside	0.962

Drawdowns 3y
Max DD	27.00%
Mean DD	5.14%
Median DD	4.19%

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	122,697m
Sub-Industry	Diversified Capital Markets
IPO / Inception	2014-11-21
Return 12m vs S&P 500	10.2%
Analyst Rating	2.50 of 5

UBS Dividends

Metric	Value
Dividend Yield	3.56%
Yield on Cost 5y	11.34%
Yield CAGR 5y	-7.93%
Payout Consistency	68.7%
Payout Ratio	49.6%

UBS Growth Ratios

Metric	Value
CAGR 3y	32.72%
CAGR/Max DD Calmar Ratio	1.21
CAGR/Mean DD Pain Ratio	6.37
Current Volume	1979.1k
Average Volume	1668.8k

Piotroski VR‑10 (Strict, 0-10) 4.0

Net Income (5.20b TTM) > 0 and > 6% of Revenue (6% = 2.45b TTM)

FCFTA 601.6 (>2.0%) and ΔFCFTA 60.2kpp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 0.41% (prev -1242 %; Δ 1242 pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 14.71 (>3.0%) and CFO 4.29b <= Net Income 5.20b (YES >=105%, WARN >=100%)

Net Debt (-14.0m) to EBITDA (12.89b) ratio: -0.00 <= 3.0 (WARN <= 3.5)

Current Ratio 4.52 (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 -1.12% (target <= -2.0% for YES)

Gross Margin 45.25% (prev 78.54%; Δ -33.29pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 5.02% (prev 2.78%; Δ 2.24pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.25 (EBITDA TTM 12.89b / Interest Expense TTM 21.67b) >= 6 (WARN >= 3)

Altman Z'' 2.70

(A) 0.58 = (Total Current Assets 217.0m - Total Current Liabilities 48.0m) / Total Assets 292.0m

(B) -0.12 = Retained Earnings (Balance) -36.0m / Total Assets 292.0m

(D) -0.71 = Book Value of Equity -36.0m / Total Liabilities 51.0m

Total Rating: 2.70 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 56.08

1. Piotroski 4.0pt = -1.0

2. FCF Yield 38.22% = 5.0

3. FCF Margin data missing

4. Debt/Equity data missing

5. Debt/Ebitda -0.00 = 2.50

6. ROIC - WACC (= -1.56)% = -1.95

7. RoE 7.94% = 0.66

8. Rev. Trend -26.50% = -1.99

9. EPS Trend 57.12% = 2.86

What is the price of UBS shares?

As of November 19, 2025, the stock is trading at USD 38.03 with a total of 1,979,149 shares traded.
Over the past week, the price has changed by -2.44%, over one month by -0.86%, over three months by -4.18% and over the past year by +25.16%.

Is UBS a buy, sell or hold?

UBS has received a consensus analysts rating of 2.50. Therefor, it is recommend to sell UBS.

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	8.3%
Analysts Target Price	41.2	8.3%
ValueRay Target Price	48.7	28.2%

UBS Fundamental Data Overview November 17, 2025

Market Cap USD = 122.70b (122.70b USD * 1.0 USD.USD)
P/E Trailing = 17.5315
P/E Forward = 12.21
P/S = 2.546
P/B = 1.3525
P/EG = 0.5023
Beta = 0.857
Revenue TTM = 40.81b USD
EBIT TTM = 5.38b USD
EBITDA TTM = 12.89b USD
Long Term Debt = 308.56b USD (from longTermDebt, last quarter)
Short Term Debt = 28.87b USD (from shortLongTermDebt, last quarter)
Debt = 336.96b USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -14.0m USD (from netDebt column, last quarter)
Enterprise Value = 459.64b USD (122.70b + Debt 336.96b - CCE 14.0m)
Interest Coverage Ratio = 0.25 (Ebit TTM 5.38b / Interest Expense TTM 21.67b)
FCF Yield = 38.22% (FCF TTM 175.67b / Enterprise Value 459.64b)
FCF Margin = 430.5% (FCF TTM 175.67b / Revenue TTM 40.81b)
Net Margin = 12.74% (Net Income TTM 5.20b / Revenue TTM 40.81b)
Gross Margin = 45.25% ((Revenue TTM 40.81b - Cost of Revenue TTM 22.34b) / Revenue TTM)
Gross Margin QoQ = 80.0% (prev 61.89%)
Tobins Q-Ratio = 1574 (set to none) (Enterprise Value 459.64b / Total Assets 292.0m)
Interest Expense / Debt = 0.01% (Interest Expense 20.0m / Debt 336.96b)
Taxrate = 22.73% (100.0m / 440.0m)
NOPAT = 4.16b (EBIT 5.38b * (1 - 22.73%))
Current Ratio = 4.52 (Total Current Assets 217.0m / Total Current Liabilities 48.0m)
Debt / Equity = 1398 (out of range, set to none) (Debt 336.96b / totalStockholderEquity, last quarter 241.0m)
Debt / EBITDA = -0.00 (Net Debt -14.0m / EBITDA 12.89b)
Debt / FCF = -0.00 (Net Debt -14.0m / FCF TTM 175.67b)
Total Stockholder Equity = 65.45b (last 4 quarters mean from totalStockholderEquity)
RoA = 1780 % (out of range, set to none)
RoE = 7.94% (Net Income TTM 5.20b / Total Stockholder Equity 65.45b)
RoCE = 1.44% (EBIT 5.38b / Capital Employed (Equity 65.45b + L.T.Debt 308.56b))
RoIC = 0.99% (NOPAT 4.16b / Invested Capital 421.47b)
WACC = 2.55% (E(122.70b)/V(459.66b) * Re(9.54%) + D(336.96b)/V(459.66b) * Rd(0.01%) * (1-Tc(0.23)))
Discount Rate = 9.54% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.25%
[DCF Debug] Terminal Value 69.20% ; FCFE base≈126.19b ; Y1≈103.49b ; Y5≈73.85b
Fair Price DCF = 341.1 (DCF Value 1065.63b / Shares Outstanding 3.12b; 5y FCF grow -21.64% → 3.0% )
EPS Correlation: 57.12 | EPS CAGR: 24.72% | SUE: 1.54 | # QB: 1
Revenue Correlation: -26.50 | Revenue CAGR: -53.03% | SUE: -0.66 | # QB: 0

Additional Sources for UBS Stock

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