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 CAGR: 24.72%
EPS Trend: 57.1%

Last SUE: 1.54σ
Qual. Beats: 1

Revenue

Revenue CAGR: 35.78%
Revenue Trend: 93.0%

Last SUE: 0.62σ
Qual. Beats: 0

Risk via 10d forecast
Volatility	27.2%
Value at Risk 5%th	43.6%
Relative Tail Risk	-2.67%

Reward TTM
Sharpe Ratio	0.74
Alpha	9.51

Character TTM
Hurst Exponent	0.497
Beta	0.965
Beta Downside	0.983

Drawdowns 3y
Max DD	27.00%
Mean DD	5.21%
Median DD	4.27%

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	118,454m
Sub-Industry	Diversified Capital Markets
IPO / Inception	2014-11-21
Return 12m vs S&P 500	7.62%
Analyst Rating	2.50 of 5

UBS Dividends

Metric	Value
Dividend Yield	3.60%
Yield on Cost 5y	10.95%
Yield CAGR 5y	-7.93%
Payout Consistency	67.4%
Payout Ratio	49.6%

UBS Growth Ratios

Metric	Value
CAGR 3y	31.99%
CAGR/Max DD Calmar Ratio	1.18
CAGR/Mean DD Pain Ratio	6.14
Current Volume	1350.3k
Average Volume	1782.9k

Piotroski VR‑10 (Strict, 0-10) 1.5

Net Income (7.34b TTM) > 0 and > 6% of Revenue (6% = 4.47b TTM)

FCFTA 0.00 (>2.0%) and ΔFCFTA -3.07pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -957.1% (prev -1026 %; Δ 68.52pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.00 (>3.0%) and CFO 4.29b <= Net Income 7.34b (YES >=105%, WARN >=100%)

Net Debt (144.49b) to EBITDA (11.86b) ratio: 12.19 <= 3.0 (WARN <= 3.5)

Current Ratio 0.28 (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 61.29% (prev 82.28%; Δ -20.99pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.57% (prev 3.37%; Δ 1.21pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.38 (EBITDA TTM 11.86b / Interest Expense TTM 21.67b) >= 6 (WARN >= 3)

Altman Z'' -2.61

(A) -0.44 = (Total Current Assets 278.30b - Total Current Liabilities 991.04b) / Total Assets 1632.25b

(B) 0.05 = Retained Earnings (Balance) 81.67b / Total Assets 1632.25b

(D) 0.06 = Book Value of Equity 87.61b / Total Liabilities 1542.05b

Total Rating: -2.61 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 52.75

1. Piotroski 1.50pt

2. FCF Yield 0.81%

3. FCF Margin 2.76%

4. Debt/Equity 4.07

5. Debt/Ebitda 12.19

6. ROIC - WACC (= -0.63)%

7. RoE 8.35%

8. Rev. Trend 92.99%

9. EPS Trend 57.12%

What is the price of UBS shares?

As of November 26, 2025, the stock is trading at USD 37.59 with a total of 1,350,336 shares traded.
Over the past week, the price has changed by -1.16%, over one month by -2.62%, over three months by -6.47% and over the past year by +23.06%.

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	9.5%
Analysts Target Price	41.2	9.5%
ValueRay Target Price	47.4	26%

UBS Fundamental Data Overview November 26, 2025

Market Cap USD = 118.45b (118.45b USD * 1.0 USD.USD)
P/E Trailing = 16.5595
P/E Forward = 11.534
P/S = 2.4579
P/B = 1.2784
P/EG = 0.4746
Beta = 0.857
Revenue TTM = 74.47b USD
EBIT TTM = 8.20b USD
EBITDA TTM = 11.86b USD
Long Term Debt = 308.56b USD (from longTermDebt, last quarter)
Short Term Debt = 52.98b USD (from shortTermDebt, last quarter)
Debt = 365.90b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 144.49b USD (from netDebt column, last quarter)
Enterprise Value = 253.14b USD (118.45b + Debt 365.90b - CCE 231.21b)
Interest Coverage Ratio = 0.38 (Ebit TTM 8.20b / Interest Expense TTM 21.67b)
FCF Yield = 0.81% (FCF TTM 2.06b / Enterprise Value 253.14b)
FCF Margin = 2.76% (FCF TTM 2.06b / Revenue TTM 74.47b)
Net Margin = 9.85% (Net Income TTM 7.34b / Revenue TTM 74.47b)
Gross Margin = 61.29% ((Revenue TTM 74.47b - Cost of Revenue TTM 28.83b) / Revenue TTM)
Gross Margin QoQ = 63.90% (prev 61.89%)
Tobins Q-Ratio = 0.16 (Enterprise Value 253.14b / Total Assets 1632.25b)
Interest Expense / Debt = 0.01% (Interest Expense 20.0m / Debt 365.90b)
Taxrate = 12.06% (341.0m / 2.83b)
NOPAT = 7.21b (EBIT 8.20b * (1 - 12.06%))
Current Ratio = 0.28 (Total Current Assets 278.30b / Total Current Liabilities 991.04b)
Debt / Equity = 4.07 (Debt 365.90b / totalStockholderEquity, last quarter 89.90b)
Debt / EBITDA = 12.19 (Net Debt 144.49b / EBITDA 11.86b)
Debt / FCF = 70.21 (Net Debt 144.49b / FCF TTM 2.06b)
Total Stockholder Equity = 87.86b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.45% (Net Income 7.34b / Total Assets 1632.25b)
RoE = 8.35% (Net Income TTM 7.34b / Total Stockholder Equity 87.86b)
RoCE = 2.07% (EBIT 8.20b / Capital Employed (Equity 87.86b + L.T.Debt 308.56b))
RoIC = 1.71% (NOPAT 7.21b / Invested Capital 421.47b)
WACC = 2.34% (E(118.45b)/V(484.36b) * Re(9.57%) + D(365.90b)/V(484.36b) * Rd(0.01%) * (1-Tc(0.12)))
Discount Rate = 9.57% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 1.25%
[DCF Debug] Terminal Value 63.88% ; FCFE base≈22.02b ; Y1≈14.46b ; Y5≈6.61b
Fair Price DCF = 32.89 (DCF Value 102.76b / Shares Outstanding 3.12b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 57.12 | EPS CAGR: 24.72% | SUE: 1.54 | # QB: 1
Revenue Correlation: 92.99 | Revenue CAGR: 35.78% | SUE: 0.62 | # QB: 0

Additional Sources for UBS Stock

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