UBS Group AG Registered (UBS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

UBS Group AG Registered

NYSE•Financial Services•Banks - Diversified

$50.69+0.07(<0.01%)Market closed

Market Cap

$161.65B

P/E

24.7x

P/S

1.8x

P/B

1.8x

UBS Group AG operates as a wealth manager and bank worldwide. It operates through five segments: Global Wealth Management, Personal & Corporate Banking, Asset Management, Investment Bank, and Non-Core and Legacy. The Global Wealth Management segment offers financial services, advice, and solutions; investment management, estate planning, and corporate advice services; and wealth management and banking products and services to private wealth and institutional customers. Its Personal & Corporate Banking segment provides banking, retirement, financing, investments, and strategic transactions to private, corporate, and institutional customers through its branch network and digital channels in Switzerland. The Asset Management segment offers diversified asset management services. Its Investment Bank segment provides equities, foreign exchange, precious metals, research, advisory, and capital markets services to institutional, corporate, financial sponsor, and Global Wealth Management customers, as well as focused rates and credit platform. The company also offers lending products, such as securities-based lending, mortgages, structured products, and tailored solutions; collateralized lending residential and commercial real estate, primarily against securities, residential and commercial real estate, other real assets (such as ships and aircraft), private market and hedge fund interest; and unsecured lending. The company was formerly known as UBS AG and changed its name to UBS Group AG in December 2014. UBS Group AG was founded in 1862 and is headquartered in Zurich, Switzerland.

How this company scores

GoodMetricSide Score: 66/100

Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (12/25).

Profitability14/25

Growth17/25

Balance Sheet & Red Flags12/25

Cash & Earnings Quality23/25

Strengths

Growing revenueRising free cash flowStrong marginsCash-backed earnings

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 24.7x5y range 1.5x – 24.7x

Currently above its 13-quarter median.

P/S · 1.8x5y range 0.7x – 1.8x

Currently above its 13-quarter median.

P/B · 1.8x5y range 0.7x – 1.8x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

Some Concerns

Earnings Quality

Watch

FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.

Leverage Risk

Watch

D/E ratio of 2.1 is elevated. Watch for further debt accumulation.

Price & Volume

Market Cap $161.65B

Metrics at a Glance

as of June 2025

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $92.02B
Q. Revenue: $12.11B
TTM EBITDA: $99.93B
TTM Op. Income: $92.02B
Q. Op. Income: $12.11B
TTM Net Income: $6.54B
Q. Net Income: $2.40B
EPS: $0.75
Shares Out.: $3.19B

$92.02B in TTM revenue grew 30.2% YoY, reaching $12.11B last quarter. TTM EBITDA of $99.93B and TTM operating income of $92.02B show growth is flowing through to the bottom line. TTM net income of $6.54B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 114.5%
Op. Margin: 100.0%
Net Margin: 19.8%

Op. margin of 100.0% is flat YoY — stable. Net margin at 19.8% Over the past year, operating margin is up 0% — a steady trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 24.7x
P/S Ratio: 1.8x
P/B Ratio: 1.8x

At 24.7x P/E, the stock trades within typical market levels. P/S of 1.8x and P/B of 1.8x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Across the last 8 quarters, P/E has risen for 4 consecutive quarters — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $1.67T
Cash: $259.05B
Long-Term Debt: $189.41B
Book Value: $89.28B
D/E Ratio: 2.1
Debt/EBITDA: 13.7

With $1.67T in assets and $189.41B in long-term debt, D/E is 2.1and book value is $89.28B — elevated leverage, meaning significant financial risk in a downturn. Across the last 8 quarters, debt/equity has fallen for 2 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $20.89B
TTM Free Cash Flow: $88.60B
FCF Margin: 96.3%
FCF / Net Income: 13.6

TTM FCF of $88.60B on $20.89B in operating cash flow. The FCF / Net Income ratio of 13.6x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is up 42% — an improving trend.