Stock Analysis
UBS Group AGUBS
P/E 18.80×· 5Y range 3.16–31.10×· 71th percentile of history
Sector: Financial Services
AnalystsBuy25 analystsP/E 18.8× sits at the 71st percentile of its 5.0978781656399725-year history.
Cash covers 40% of debt · FY 2025.
PMP Verdict
Mixed fundamentals, fairly valued
Strengths
- Quality60
Risks
- Financial Health40
- Growth49
Mixed picture — no clear quality or value edge.
What's happening with UBS
Profile
financial health and growth lag behind.
How is each axis scored?
- Valuation60/100 · Moderate
- P/E vs own history (71th pct)5/25
- FCF yield (8.1%)25/25
- P/S (2.9x)20/25
- EV/EBIT (n/a)10/25
- Growth49/100 · Weak
- Revenue CAGR (8.7%)12/25
- Net income CAGR (1.0%)6/25
- EPS CAGR 5Y (3.5%)6/25
- Fwd implied growth (67.3%)25/25
- Profitability57/100 · Moderate
- ROIC (n/a)0/25
- ROE (8.7%)12/25
- Net margin (15.7%)20/25
- Operating margin (81.4%)25/25
- Financial Health40/100 · Weak
- Altman Z (0.10)3/25
- Current ratio (n/a)0/25
- Interest coverage (no interest expense)25/25
- Net cash / debt (D/A 21%)12/25
- Quality60/100 · Moderate
- Piotroski F (6/9)15/25
- Beneish M (-2.49)20/25
- FCF conversion (151%)25/25
- Margin stability (n/a)0/25
- Moat50/100 · Moderate
- ROIC >12% years (n/a)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (5/5 yrs)25/25
- Worst-year net margin (worst 10.6%)25/25
Risk Flags
- ⚠Altman Z 0.1 — distress-zone balance sheet
About UBS Group AG
UBS is a global financial institution built around its core strength in wealth management, serving high and ultra-high-net-worth individuals. Show more
In Switzerland, it also operates as a traditional retail and commercial bank. Its investment bank and asset management divisions complement the wealth business, providing tailored solutions to UBS clients while serving third-party customers by leveraging UBS' global reach and expertise.
Employees: 112,388 · Website ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
60BP/E (TTM)18.8xB
Grade B: FairPrice / TTM EPS (own statements) — vs own 5Y history: 3.2x–31.1x · 71st pct
P/FCF13.1xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield8.1%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 6.4%–51.2% · 11th pct
P/S (TTM)2.94xB
Grade B: FairPrice / TTM Revenue (own statements) — vs own 5Y history: 1.4x–3.7x · 88th pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E11.2xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.63xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio0.88A
Grade A: CheapFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.34%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio121.5%D
Grade D: UnsustainableDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
57CROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE8.7%D
Grade D: WeakReturn on Equity. Neg. equity = heavy buybacks
ROA0.6%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin15.7%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin23.7%A
Grade A: HighFCF / Revenue
True FCF Margin23.7%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
49D+Revenue CAGR8.7%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR1.0%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)3.5%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth67.3%A
Grade A: HighAnalyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)—
Share count change over 5Y
SBC / Net Income—
Stock-based comp/Net income. >30% = dilution risk
SBC / Revenue—
TTM stock-based comp / TTM Revenue
Financial Health
40D+Altman Z-Score0.10D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage—
EBIT/Interest. >10 Strong
Debt Repayment30.3yD
Grade D: SlowYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity6.70xD
Grade D: HighDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.40xC
Grade C: PartialCash covers how much of total debt. >1 = could repay all debt from cash
Quality
60BPiotroski F-Score6/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.49A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion151.4%A
Grade A: StrongFCF / Net Income
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue4.9%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
50CROIC >12% Years—
Share of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years5/5 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor10.6%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$2.54
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$71.43
Cash & short-term investments per share (Finnhub)
Book Value / Share$29.12
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$599.21B
Total debt obligations (short + long term)
Cash & Equiv.$242.68B
Cash and short-term investments
Net Debt$356.54B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$89.43B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$145.98B
Current Market Capitalization
Beta0.68B
Grade B: DefensivePrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Dec 2025 · Ratio snapshot Oct 17, 2026
Key Insights: UBS Group AG (UBS)
Piotroski F-Score of 6/9 indicates mixed fundamentals for UBS Group AG. Altman Z-Score of 0.10 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.49 suggests a low likelihood of earnings manipulation.
- UBS Group AG converts about 24% of revenue into free cash flow — strong cash generation.
- Takes ~30.3 years to repay net debt from free cash flow.
- The stock currently yields 2.3% in dividends.
See how UBS ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all UBS moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Sep 24 | After-hours | 49.27 | +3.20% | 2.27 |
| Sep 22 | Regular | 49.45 | -3.15% | -2.01 |
| Sep 22 | After-hours | 49.30 | -3.45% | -2.21 |
Frequently Asked Questions about UBS
What is the current UBS Group AG (UBS) stock price?
UBS is trading at $47.68 at the last market close, down 0.21% on the session. PreMarketPrice tracks UBS pre-market, intraday and after-hours prices.
Is UBS stock a buy right now?
PreMarketPrice's quantitative model rates UBS Group AG's financial health at 40/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is UBS stock overvalued?
UBS Group AG trades at a trailing P/E of 18.8 and our valuation score rates it 60/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does UBS Group AG report earnings?
No confirmed earnings date is currently scheduled for UBS. The Earnings section lists recent reports and updates as dates are announced.
What sector does UBS Group AG operate in?
UBS Group AG operates in the Financial Services sector. The Related Stocks section lists sector peers for comparison.
What does UBS Group AG do?
UBS is a global financial institution built around its core strength in wealth management, serving high and ultra-high-net-worth individuals.
About UBS Group AG (UBS) Stock
UBS Group AG (UBS) is a US-listed stock operating in the Financial Services sector. As of the latest update, UBS Group AG is trading at $47.68, down 0.21% on the day with a market capitalization of $146.0 billion. The financial health score for UBS is 40/100, which indicates weak financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for UBS stock.
UBS Stock Analysis & Key Metrics
On PreMarketPrice, you can track UBS Group AG (UBS) across multiple dimensions:
- Pre-market price & movement: Real-time UBS stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for UBS with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for UBS Group AG across multiple reporting periods.
- Financial health score: A composite score of 40/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for UBS.
- Sector peers: Compare UBS against 4 other financial services stocks on key financial metrics.
Is UBS a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate UBS Group AG (UBS) as an investment. The financial health score of 40/100 suggests weak financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.UBS Group AG (UBS) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.