UBS Group AG(UBS)Earnings, Financials & Key Ratios

UBS•NYSE•Banking & Credit

27.2× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryDiversified Banks Sub-IndustryWealth and private banking focused banks

AboutUBS Group AG provides financial advice and solutions to private, institutional, and corporate clients worldwide. It operates through four divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, and Investment Bank. The Global Wealth Management division offers investment advice and solutions, and lending solutions to ultra high net worth and high net worth clients. This segment also provides estate and wealth planning, investing, philanthropy, corporate and banking, and family advisory services, as well as mortgage, securities-based, and structured lending solutions. The Personal & Corporate Banking division provides personal banking products and services, such as deposits, cards, and online and mobile banking, as well as lending, investments, and retirement services; and corporate and institutional solutions, including equity and debt capital markets, syndicated and structured credit, private placements, leasing, traditional financing, trade and export finance, and global custody solutions, as well as transaction banking solutions for payment and cash management. The Asset Management division offers equities, fixed income, hedge funds, real estate and private markets, indexed and alternative beta strategies, asset allocation and currency investment strategies, customized multi-asset solutions, advisory and fiduciary services, and multi-manager hedge fund solutions and advisory services. The Investment Bank division advises clients on strategic business opportunities and helps them raise capital to fund their activities; enables its clients to buy, sell, and finance securities on capital markets and to manage their risks and liquidity; and offers clients differentiated content on major financial markets and securities. 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 based in Zurich, Switzerland.Show more

Net Interest Income$6.14B-4.8%
Total Revenue$59.05B-20.4%
Net Income$6.16B+33.4%
Return on Equity7%+30.5%
Net Interest Margin0.38%-7.9%
Efficiency Ratio51.76%+10.1%
ROA0.39%+37.6%
Equity / Assets5.59%+2.3%
Book Value per Share27.37+7.2%

UBS Key Insights

UBS Group AG (UBS) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Efficient operations: 51.8% efficiency ratio
✓Diversified revenue: 53.9% from non-interest income
✓Trading near 52-week high

✗Weaknesses

✗High debt to equity ratio of 3.9x
✗Weak NIM of 0.4%
✗Thin capital base

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

Get notified when UBS posts new earnings or crosses analyst targets

Free. No account needed. Unsubscribe any time.

UBS Price & Volume

UBS Group AG (UBS) stock price & volume — 10-year historical chart

Loading chart...

UBS Growth Metrics

UBS Group AG (UBS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years4.93%

5 Years12.99%

3 Years17.05%

TTM-

Profit CAGR

10 Years-

5 Years1.25%

3 Years-4.41%

TTM38.42%

EPS CAGR

10 Years1.2%

5 Years1.11%

3 Years-5.98%

TTM48.37%

Return on Capital

10 Years1.9%

5 Years2.06%

3 Years2.09%

Last Year1.13%

UBS Recent Earnings

UBS Group AG (UBS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 8/12 qtrs (73%)●Beat Revenue 8/12 qtrs (73%)

Q2 2026Latest

Apr 29, 2026

Metric

Actual

Est

EPS

$0.94+10.6%

$0.85

Rev

$13.6B+3.7%

$13.2B

Q1 2026

Feb 4, 2026

Metric

Actual

Est

EPS

$0.37+48.0%

$0.25

Rev

$12.2B+4.2%

$11.7B

Q4 2025

Oct 29, 2025

Metric

Actual

Est

EPS

$0.76+55.9%

$0.49

Rev

$12.2B+2.3%

$11.9B

Q3 2025

Jul 30, 2025

Metric

Actual

Est

EPS

$0.72+2.9%

$0.70

Rev

$18.3B+92.1%

$9.5B

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 29, 2026	$0.94vs $0.85+10.6%	$13.6Bvs $13.2B+3.7%
Q1 2026	Feb 4, 2026	$0.37vs $0.25+48.0%	$12.2Bvs $11.7B+4.2%
Q4 2025	Oct 29, 2025	$0.76vs $0.49+55.9%	$12.2Bvs $11.9B+2.3%
Q3 2025	Jul 30, 2025	$0.72vs $0.70+2.9%	$18.3Bvs $9.5B+92.1%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Net Margin	Return on Equity (ROE)	Debt / Equity
MSMorgan StanleyDirect Competitor	355.51B	223.17	21.88	11.48%	14.66%	15.3%	4.22
GSThe Goldman Sachs Group, Inc.Direct Competitor	348.27B	1096.56	21.37	-1.38%	13.73%	13.58%	4.88
BACBank of America CorporationDirect Competitor	424.14B	56.20	14.71	-0.45%	15.93%	10.15%	1.21
CCitigroup Inc.Direct Competitor	266.52B	143.09	20.47	-1.41%	8.48%	6.67%	3.35
JPMJPMorgan Chase & Co.Direct Competitor	908.57B	325.22	16.22	3.31%	20.35%	15.95%	2.60
WFCWells Fargo & CompanyProduct Competitor	264.5B	82.21	13.01	-1.49%	17.27%	11.66%	2.33
BKThe Bank of New York Mellon CorporationProduct Competitor	100.01B	141.91	19.15	2.25%	13.72%	12.52%	0.76
STTState Street CorporationProduct Competitor	48.64B	168.31	17.91	2.98%	13.01%	10.76%	1.07

Compare UBS vs Peers

UBS Group AG (UBS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MS

Most directly comparable listed peer for UBS.

Scale Benchmark

vs JPM

Larger-name benchmark to compare UBS against a more recognizable public peer.

Peer Set

Compare Top 5

vs MS, GS, BAC, C

UBS Income Statement

UBS Group AG (UBS) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	12.53B	12.49B	4.42B	5.18B	6.13B	6.12B	6.24B	6.45B	6.14B
NII Growth %	-12.26%	-0.29%	-64.64%	17.18%	18.41%	-0.11%	1.96%	3.38%	-4.77%
Net Interest Margin %	1.33%	1.3%	0.45%	0.46%	0.55%	0.55%	0.36%	0.41%	0.38%
Interest Income	12.53B	12.49B	11.47B	8.93B	9.11B	12.19B	30.38B	39.08B	27.2B
Interest Expense	0	0	7.05B	3.75B	2.98B	6.07B	24.14B	32.63B	21.05B
Loan Loss Provision	129.17M	115.16M	76.5M	612.79M	-135.28M	26.81M	887.09M	500.17M	415.61M
Non-Interest Income	23.25B	24.36B	24B	23.15B	25.92B	24.63B	27B	35.13B	31.86B
Non-Interest Income %	64.99%	66.11%	67.66%	72.17%	74%	66.9%	47.06%	47.34%	53.94%
Total Revenue	35.78B▲ 0%	36.85B▲ 3.0%	35.47B▼ 3.7%	32.07B▼ 9.6%	35.03B▲ 9.2%	36.82B▲ 5.1%	57.38B▲ 55.8%	74.22B▲ 29.3%	59.05B▼ 20.4%
Revenue Growth %	-3.08%	2.99%	-3.73%	-9.59%	9.21%	5.12%	55.83%	29.34%	-20.43%
Non-Interest Expense	35.65B	36.73B	22.87B	20.51B	23.51B	21.85B	8.18B	34.9B	30.56B
Efficiency Ratio	99.64%	99.69%	64.48%	63.94%	67.13%	59.34%	14.26%	47.02%	51.76%
Operating Income	0▲ 0%	0▲ 0%	5.47B▲ 0%	7.2B▲ 31.6%	8.67B▲ 20.4%	8.88B▲ 2.4%	24.17B▲ 172.3%	6.19B▼ 74.4%	7.02B▲ 13.4%
Operating Margin %	0%	0%	15.42%	22.45%	24.75%	24.11%	42.12%	8.34%	11.89%
Operating Income Growth %	-	-	-	31.65%	20.39%	2.41%	172.26%	-74.38%	13.41%
Pretax Income	0▲ 0%	0▲ 0%	5.47B▲ 0%	7.2B▲ 31.6%	8.67B▲ 20.4%	8.88B▲ 2.4%	24.17B▲ 172.3%	6.19B▼ 74.4%	7.02B▲ 13.4%
Pretax Margin %	0%	0%	15.42%	22.45%	24.75%	24.11%	42.12%	8.34%	11.89%
Income Tax	0	0	1.24B	1.4B	1.83B	1.8B	746.79M	1.52B	837.57M
Effective Tax Rate %	-	-	22.72%	19.41%	21.07%	20.22%	3.09%	24.56%	11.93%
Net Income	0▲ 0%	0▲ 0%	4.22B▲ 0%	5.79B▲ 37.2%	6.82B▲ 17.7%	7.05B▲ 3.5%	23.41B▲ 232.0%	4.62B▼ 80.3%	6.16B▲ 33.4%
Net Margin %	0%	0%	11.9%	18.05%	19.46%	19.15%	40.8%	6.22%	10.43%
Net Income Growth %	-	-	-	37.16%	17.73%	3.46%	231.95%	-80.28%	33.44%
Net Income (Continuing)	0	0	4.23B	5.8B	6.84B	7.08B	23.42B	4.67B	6.18B
EPS (Diluted)	0.25▲ 0%	1.27▲ 408.0%	1.14▼ 10.2%	1.77▲ 55.3%	2.06▲ 16.4%	2.25▲ 9.2%	8.86▲ 293.8%	1.52▼ 82.8%	1.87▲ 23.0%
EPS Growth %	-71.59%	408%	-10.24%	55.26%	16.38%	9.22%	293.78%	-82.84%	23.03%
EPS (Basic)	0.26	1.31	1.17	1.83	2.14	2.34	8.68	1.59	1.95
Diluted Shares Outstanding	3.84B	3.84B	3.77B	3.71B	3.63B	3.4B	3.3B	3.35B	3.31B

UBS Balance Sheet

UBS Group AG (UBS) balance sheet — assets, liabilities & shareholders' equity

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	0	0	240.84B	290.92B	329.92B	244.38B	414.36B	227.9B	398.43B
Cash & Due from Banks	92.15B	110.73B	108.95B	160.26B	194.8B	172.82B	317.21B	225.71B	209.86B
Short Term Investments	8.89B	6.67B	131.89B	130.66B	135.12B	71.56B	97.15B	2.19B	188.57B
Total Investments	204.84B	173.21B	755B	845.8B	807.69B	788.57B	1.2T	899.72B	1.19T
Investments Growth %	-4.05%	-15.44%	335.9%	12.03%	-4.51%	-2.37%	52.14%	-25.01%	32.45%
Long-Term Investments	195.95B	166.54B	623.11B	715.14B	672.56B	717.02B	1.1T	897.52B	1T
Accounts Receivables	2.42B	0	20.27B	27.26B	24.33B	20.65B	26.82B	30.21B	35.58B
Goodwill & Intangibles	9.06B	9.62B	6.47B	6.48B	6.38B	6.27B	7.51B	6.89B	5.51B
Goodwill	6.34B	6.39B	6.27B	6.18B	6.13B	6.04B	6.04B	5.99B	4.81B
Intangible Assets	2.72B	3.23B	197M	298M	252M	224M	1.47B	897M	698.31M
PP&E (Net)	9.06B	9.35B	12.8B	13.11B	12.89B	12.29B	17.85B	15.5B	16.06B
Other Assets	-205.01B	-175.89B	56.29B	60.67B	59.12B	90.52B	126.3B	365.53B	147.26B
Total Current Assets	0	0	263.97B	321.15B	357.35B	268.89B	452.33B	268.45B	434B
Total Non-Current Assets	0	0	708.22B	804.62B	759.83B	835.48B	1.26T	1.3T	1.18T
Total Assets	939.28B▲ 0%	958.49B▲ 2.0%	972.19B▲ 1.4%	1.13T▲ 15.8%	1.12T▼ 0.8%	1.1T▼ 1.1%	1.72T▲ 55.5%	1.57T▼ 8.9%	1.62T▲ 3.3%
Asset Growth %	2.22%	2.05%	1.43%	15.8%	-0.76%	-1.15%	55.5%	-8.86%	3.35%
Return on Assets (ROA)	-	-	0.44%	0.55%	0.61%	0.63%	1.66%	0.28%	0.39%
Accounts Payable	31.96B	39.96B	38.8B	40.1B	45.14B	47.03B	49.21B	54.9B	62.2B
Total Debt	146.1B	152.73B	196.79B	220.1B	230.65B	212.81B	399.5B	353.05B	356.12B
Net Debt	53.95B	41.99B	87.84B	59.84B	35.85B	39.99B	82.28B	127.35B	146.26B
Long-Term Debt	146.1B	152.73B	157.49B	155.87B	172.09B	160.27B	333.65B	297.32B	297.92B
Short-Term Debt	0	0	35.36B	60.3B	55.01B	49.21B	60.34B	51.14B	53.94B
Other Liabilities	-146.26B	-152.94B	193.18B	232.48B	190.01B	217.45B	276.65B	257.62B	194.46B
Total Current Liabilities	0	0	562.46B	672.93B	689.99B	665.62B	1.01T	919.03B	1.02T
Total Non-Current Liabilities	0	0	355.06B	393.07B	366.19B	381.52B	616.76B	560.43B	497.79B
Total Liabilities	886.73B	905.38B	917.52B	1.07T	1.06T	1.05T	1.63T	1.48T	1.53T
Total Equity	52.49B▲ 0%	52.93B▲ 0.8%	54.67B▲ 3.3%	59.76B▲ 9.3%	61B▲ 2.1%	57.22B▼ 6.2%	86.64B▲ 51.4%	85.57B▼ 1.2%	90.48B▲ 5.7%
Equity Growth %	-0.8%	0.82%	3.3%	9.31%	2.07%	-6.2%	51.42%	-1.23%	5.74%
Equity / Assets (Capital Ratio)	5.59%	5.52%	5.62%	5.31%	5.46%	5.18%	5.05%	5.47%	5.59%
Return on Equity (ROE)	-	-	7.85%	10.12%	11.29%	11.93%	32.55%	5.36%	7%
Book Value per Share	13.68	13.78	14.51	16.12	16.82	16.84	26.29	25.54	27.37
Tangible BV per Share	11.32	11.27	12.80	14.37	15.06	15.00	24.01	23.48	25.70
Common Stock	0	0	338M	338M	322M	304M	346M	346M	334M
Additional Paid-in Capital	23.6B	20.84B	18.06B	16.75B	15.93B	13.55B	13.22B	12.01B	9.22B
Retained Earnings	25.93B	30.45B	34.12B	38.78B	43.85B	50B	74.88B	78.03B	82.74B
Accumulated OCI	4.84B	3.93B	5.3B	7.65B	5.24B	-103M	2.46B	1.09B	5.81B
Treasury Stock	-2.21B	-2.63B	-3.33B	-4.07B	-4.67B	-6.87B	-4.8B	-6.4B	-7.89B
Preferred Stock	0	0	0	0	0	0	0	0	0

UBS Cash Flow Statement

UBS Group AG (UBS) cash flow — operating, investing & free cash flow history

Metric	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	-52.27B	28.91B	19.7B	36.96B	31.43B	14.65B	86.07B	3.28B	-13.66B
Operating CF Growth %	-223.56%	155.32%	-31.85%	87.56%	-14.97%	-53.39%	487.62%	-96.19%	-516.46%
Net Income	1.16B	4.52B	4.31B	6.57B	7.49B	7.66B	27.87B	5.15B	6.15B
Depreciation & Amortization	1.13B	1.29B	1.94B	2.13B	2.12B	2.06B	3.37B	3.8B	0
Deferred Taxes	3.35B	425M	477M	352M	434M	494M	-694M	-495M	0
Other Non-Cash Items	471.21M	-7.42B	6.8B	-5.92B	21.57B	-13.8B	-34.58B	15.63B	-7.69B
Working Capital Changes	-58.38B	30.09B	6.18B	33.83B	-187.93M	18.23B	90.1B	-20.8B	-12.12B
Cash from Investing	5.24B	-6.13B	-1.56B	-6.79B	-2.12B	-12.45B	103.23B	709M	12.2B
Purchase of Investments	-8.75B	-5.77B	-3.99B	-10.46B	-6.22B	-16.78B	-14.24B	-5.96B	-42.95B
Sale/Maturity of Investments	15.31B	1.36B	3.91B	4.53B	5.05B	4.08B	10.46B	8.38B	70.04B
Net Investment Activity	6.56B	-4.41B	-73M	-5.93B	-1.17B	-12.69B	-3.78B	2.42B	27.08B
Acquisitions	240.22M	-150M	88M	628M	592M	1.73B	194.26M	192M	702.1M
Other Investing	68.78M	114M	11M	367M	295M	161M	108.5B	106M	-13.62B
Cash from Financing	27.32B	190M	-25.61B	12.43B	10.35B	-9.09B	-58.26B	-84.17B	-24.98B
Dividends Paid	-2.22B	-2.39B	-2.54B	-2.61B	-1.3B	-1.67B	-1.68B	-2.26B	-2.38B
Share Repurchases	-718.51M	-1.43B	-1.56B	-1.39B	-3.34B	-6.01B	-2.78B	-2.92B	-4.3B
Stock Issued	0	0	0	0	0	0	0	0	0
Net Stock Activity	-718.51M	-1.43B	-1.56B	-1.39B	-3.34B	-6.01B	-2.78B	-2.92B	-4.3B
Debt Issuance (Net)	1000K	1000K	-1000K	1000K	1000K	-1000K	-1000K	-1000K	-1000K
Other Financing	-821.55M	8.89B	-526M	-576M	-283M	-616M	-721M	546M	-796.82M
Net Change in Cash	-19.44B▲ 0%	21.25B▲ 209.3%	-6.21B▼ 129.2%	53.66B▲ 964.6%	34.34B▼ 36.0%	-12.55B▼ 136.6%	144.99B▲ 1254.9%	-96.12B▼ 166.3%	-12.71B▲ 86.8%
Exchange Rate Effect	272.05M	-1.73B	1.26B	11.05B	-5.31B	-5.66B	13.96B	-15.94B	26.43B
Cash at Beginning	124.36B	104.83B	126.08B	119.87B	173.53B	207.88B	195.32B	340.21B	244.09B
Cash at End	104.92B	126.08B	119.87B	173.53B	207.88B	195.32B	340.31B	244.09B	231.38B
Interest Paid	0	0	10.77B	6.32B	0	0	0	48.25B	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0
Free Cash Flow	-53.9B▲ 0%	27.23B▲ 150.5%	18.12B▼ 33.4%	35.1B▲ 93.7%	29.58B▼ 15.7%	13B▼ 56.0%	84.38B▲ 548.9%	1.27B▼ 98.5%	-15.62B▼ 1328.8%
FCF Growth %	-201.17%	150.51%	-33.44%	93.72%	-15.72%	-56.04%	548.9%	-98.49%	-1328.81%

UBS Banking Ratios

UBS Group AG (UBS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	-	-	-	7.85%	10.12%	11.29%	11.93%	32.55%	5.36%	7%
Return on Assets (ROA)	-	-	-	0.44%	0.55%	0.61%	0.63%	1.66%	0.28%	0.39%
Net Interest Margin	1.55%	1.33%	1.3%	0.45%	0.46%	0.55%	0.55%	0.36%	0.41%	0.38%
Efficiency Ratio	99.89%	99.64%	99.69%	64.48%	63.94%	67.13%	59.34%	14.26%	47.02%	51.76%
Equity / Assets	5.76%	5.59%	5.52%	5.62%	5.31%	5.46%	5.18%	5.05%	5.47%	5.59%
Book Value / Share	13.84	13.68	13.78	14.51	16.12	16.82	16.84	26.29	25.54	27.37
NII Growth	7.92%	-12.26%	-0.29%	-64.64%	17.18%	18.41%	-0.11%	1.96%	3.38%	-4.77%
Dividend Payout	-	-	-	60.27%	45.03%	19.09%	23.65%	7.17%	48.87%	38.66%

UBS Frequently Asked Questions

UBS Group AG (UBS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

UBS Group AG (UBS) saw revenue decline by 20.4% over the past year.

Yes, UBS Group AG (UBS) is profitable, generating $6.27B in net income for fiscal year 2025 (10.4% net margin).

Dividend & Returns

Yes, UBS Group AG (UBS) pays a dividend with a yield of 1.42%. This makes it attractive for income-focused investors.

UBS Group AG (UBS) has a return on equity (ROE) of 7.0%. This is below average, suggesting room for improvement.

Industry Metrics

UBS Group AG (UBS) has a net interest margin (NIM) of 0.4%. NIM has been under pressure due to interest rate environment.

UBS Group AG (UBS) has an efficiency ratio of 51.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in UBS back in 1999?

Total return calculator · dividends reinvested · 27+ years of data

See returns →

How much would $100/month in UBS be worth today?

Dollar cost averaging calculator · DCA vs lump sum

Calculate →

UBS Group AG(UBS)Earnings, Financials & Key Ratios

UBS•NYSE•Banking & Credit

27.2× P/E·Price updated Jun 19, 2026

SectorFinancial Services IndustryDiversified Banks Sub-IndustryWealth and private banking focused banks

Net Interest Income$6.14B-4.8%
Total Revenue$59.05B-20.4%
Net Income$6.16B+33.4%
Return on Equity7%+30.5%
Net Interest Margin0.38%-7.9%
Efficiency Ratio51.76%+10.1%
ROA0.39%+37.6%
Equity / Assets5.59%+2.3%
Book Value per Share27.37+7.2%