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UBS
UBS Group AG
$48
-0.48
(-0.99%)
| Exchange: | NYSE |
| Market Cap: | 146.964B |
| Shares Outstanding: | 4.087B |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – DiversifiedView industry performance | |||||
| CEO: | Sergio Ermotti | |||||
| Full Time Employees: | 103177 | |||||
| Address: |
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| Website: | https://www.ubs.com |
UBS Group AG, a financial services giant headquartered in Zurich, Switzerland, since its founding in 1862 (and known as UBS AG until its name change in December 2014), delivers a comprehensive range of financial advice and solutions to a global clientele of private individuals, institutions, and corporations. The firm structures its operations across four primary business segments: The Global Wealth Management division caters specifically to affluent and ultra-high-net-worth clients. It provides sophisticated investment guidance, various lending products, including mortgages and securities-based loans, and extensive planning services encompassing estate and wealth management, philanthropy, corporate and banking services, and family advisory. Through its Personal & Corporate Banking arm, UBS supports individual clients with essential banking services like deposits, cards, and digital platforms, alongside financing, investment opportunities, and retirement solutions. For corporate and institutional clients, this division furnishes a wide array of solutions, spanning equity and debt capital market activities, syndicated and structured credit facilities, private placements, leasing, traditional financing, international trade and export finance, global custody, and transactional banking for payments and liquidity management. The Asset Management division specializes in a broad spectrum of investment strategies, encompassing equities, fixed income, hedge funds, real estate, and private market assets. It also crafts bespoke multi-asset solutions and offers expert advisory and fiduciary services, including multi-manager hedge fund solutions. Finally, the Investment Bank offers strategic counsel to clients on significant business ventures and assists them in securing capital for their operations. It facilitates the trading, sale, and financing of securities across global capital markets, while also aiding clients in risk management and liquidity optimization, and provides distinctive insights and research on key financial markets and various securities.
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Revenue Segmentation
Revenue by region
Industry Peers
| TICKER | COMPANY | MKT CAP | P/E | FWD P/E | ROIC |
|---|---|---|---|---|---|
| UBS | UBS Group AG | 147.0B | 15.6 | 10.7 | 1.5% |
 BBVA | Banco Bilbao Vizcaya Argentaria, S.A. | 132.2B | 10.3 | 10.2 | 4.5% |
 SAN | Banco Santander, S.A. | 166.4B | 9.1 | 9.7 | 0.7% |
 BMO | Bank of Montreal | 119.3B | 19.4 | 16.1 | 0.6% |
 BNS | The Bank of Nova Scotia | 114.2B | 17.0 | 15.3 | 0.6% |
 CM | Canadian Imperial Bank of Commerce | 105.8B | 15.5 | 15.5 | 0.9% |
EPS
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Earnings Call
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 57,380,055 | 74,217,730 | 73,840,000 |
| Gross Profit | 32,355,141 | 41,087,036 | 46,771,000 |
| EBITDA | 27,395,909 | 9,989,695 | 12,382,000 |
| Operating Income | 24,170,333 | 6,191,695 | 8,853,000 |
| Net Income | 23,409,851 | 4,616,766 | 7,767,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 1,717,246,000 | 1,565,028,000 | 1,617,427,000 |
| Total Liabilities | 1,630,607,000 | 1,479,455,000 | 1,526,943,000 |
| Total Stockholders Equity | 86,108,000 | 85,079,000 | 90,213,000 |
| Total Debt | 399,495,000 | 336,961,000 | 344,725,000 |
| Cash and Cash Equivalents | 317,212,000 | 223,329,000 | 209,858,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 86,068,000 | 3,279,000 | 0 |
| Capital Expenditure | -1,685,000 | -2,008,000 | 0 |
| Free Cash Flow | 84,383,000 | 1,271,000 | 0 |
| Net Income | 29,726,104.965 | 5,146,000 | 6,152,862 |
| Net Change in Cash | 144,990,000 | -96,117,000 | -221,484,825 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2029 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 56,895,881.178 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 60,091,222.821 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 59,064,612.207 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 22,345,044.666 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 23,800,171.372 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 23,332,657.283 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 16,440,174.810 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 17,654,371.200 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 17,264,265.021 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 26,627,370.306 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 28,122,795.694 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 27,642,340.160 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 5.220 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 5.340 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 4.970 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 3 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 1 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates UBS intrinsic value between $22.95 – $45.83 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about UBS valuation
Is UBS Group AG (UBS) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for UBS Group AG (UBS) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is UBS a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether UBS trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is UBS’s P/E ratio?
You can see UBS’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for UBS?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is UBS a good long-term investment?
Whether UBS fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
UBS
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Daily snapshot
-0.99
Trading Metrics:
| Open: | 48.49 | Previous Close: | 48.48 | |
| Day Low: | 47.9 | Day High: | 48.57 | |
| Year Low: | 36.3 | Year High: | 55.99 | |
| Price Avg 50: | 50.13 | Price Avg 200: | 47.08 | |
| Volume: | 1.626M | Average Volume: | 1.856M |
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