UBS Group AG (UBS) 10-Year Financial Performance & Capital Metrics

UBS • • Banking & Credit

Financial ServicesDiversified BanksDigital & Niche Specialized BanksCross-Border & Wealth Specialists

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 $7.11B -2.6%
Total Revenue $81.29B +21.2%
Net Income $5.09B -81.4%
Return on Equity 5.91% -84.5%
Net Interest Margin 0.45% +6.9%
Efficiency Ratio 46.71% +227.5%
ROA 0.31% -84.0%
Equity / Assets 5.47% +8.4%
Book Value per Share 25.54 -2.9%
Tangible BV/Share 23.48 -2.2%
Debt/Equity 4.13 -10.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 46.7% efficiency ratio
✓Momentum leader: RS Rating 81 (top 19%)
✓Good 3Y average ROE of 19.0%
✓Diversified revenue: 47.0% from non-interest income
✓Trading near 52-week high

✗Weaknesses

✗High debt to equity ratio of 4.1x
✗Weak NIM of 0.5%
✗Thin capital base

Price & Volume

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Growth Metrics

Revenue CAGR

10Y11.19%

5Y22.92%

3Y32.36%

TTM-

Profit (Net Income) CAGR

10Y3.38%

5Y3.4%

3Y-11.98%

TTM81.81%

EPS CAGR

10Y5.15%

5Y5.92%

3Y-9.64%

TTM28.35%

ROCE

10Y Avg2.27%

5Y Avg2.44%

3Y Avg2.73%

Latest1.01%

Peer Comparison

Cross-Border & Wealth Specialists

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
UBSUBS Group AG	148.29B	47.47	31.23	21.2%	6.26%	8.13%	0.86%	4.13
EWBCEast West Bancorp, Inc.	15.93B	115.77	13.90	13.56%	26.01%	14.7%	8.86%	0.49
NTBThe Bank of N.T. Butterfield & Son Limited	2.07B	50.27	10.67	7.17%	26.49%	20.52%	11.78%	0.22

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-6.52B	-7.47B	-6.63B	-7.75B	4.5B	5.86B	6.7B	6.62B	7.3B	7.11B
NII Growth %	0.03%	-0.15%	0.11%	-0.17%	1.58%	0.3%	0.14%	-0.01%	0.1%	-0.03%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	0	0	0	11.7B	10.11B	9.96B	13.19B	35.51B	43.05B
Interest Expense	6.52B	7.47B	6.63B	7.75B	7.19B	4.25B	3.26B	6.56B	28.22B	35.95B
Loan Loss Provision	-6.52B	-7.47B	-6.63B	-7.75B	-7.19B	-4.25B	-3.26B	-6.56B	1.04B	552M
Non-Interest Income+	30.26B	28.63B	29.65B	30B	17.28B	21.96B	25.09B	20.18B	31.56B	38.24B
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	30.26B	28.63B	29.65B	30B	28.98B	32.07B	35.06B	33.36B	67.08B	81.29B
Revenue Growth %	0.07%	-0.05%	0.04%	0.01%	-0.03%	0.11%	0.09%	-0.05%	1.01%	0.21%
Non-Interest Expense	30.26B	28.63B	29.65B	30B	23.4B	23.92B	25.57B	23.76B	9.57B	37.97B
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	0	0	0	0	5.58B	8.15B	9.48B	9.6B	28.25B	6.82B
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	-	-	-	-	0.46%	0.16%	0.01%	1.94%	-0.76%
Pretax Income+	5.55B	4.21B	5.35B	5.99B	5.58B	8.15B	9.48B	9.6B	28.25B	6.82B
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	-908.5M	777M	4.3B	1.47B	1.27B	1.58B	2B	1.94B	873M	1.68B
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	6.28B	3.35B	969M	4.51B	4.3B	6.56B	7.46B	7.63B	27.37B	5.09B
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.72%	-0.47%	-0.71%	3.66%	-0.05%	0.52%	0.14%	0.02%	2.59%	-0.81%
Net Income (Continuing)	6.46B	3.43B	1.05B	4.52B	4.31B	6.57B	7.49B	7.66B	27.38B	5.15B
EPS (Diluted)+	1.66	0.88	0.25	1.27	1.14	1.77	2.06	2.25	6.98	1.52
EPS Growth %	0.8%	-0.47%	-0.72%	4.08%	-0.1%	0.55%	0.16%	0.09%	2.1%	-0.78%
EPS (Basic)	1.70	0.90	0.26	1.31	1.17	1.83	2.14	2.34	7.30	1.59
Diluted Shares Outstanding	3.78B	3.82B	3.84B	3.84B	3.77B	3.71B	3.63B	3.4B	3.3B	3.35B

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	0	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	105.7B	105.88B	92.15B	110.73B	108.95B	160.26B	194.8B	172.82B	317.21B	225.71B
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	203.9B	213.49B	204.84B	173.21B	755B	845.8B	807.69B	788.57B	1.2T	899.72B
Investments Growth %	-0.02%	0.05%	-0.04%	-0.15%	3.36%	0.12%	-0.05%	-0.02%	0.52%	-0.25%
Long-Term Investments	140.63B	198.09B	195.95B	166.54B	623.11B	715.14B	672.56B	717.02B	1.1T	897.52B
Accounts Receivables	1000K	1000K	1000K	0	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	6.31B	6.19B	6.34B	6.39B	6.27B	6.18B	6.13B	6.04B	6.04B	5.99B
Intangible Assets	1.56B	240.47M	2.72B	3.23B	197M	298M	252M	224M	1.47B	897M
PP&E (Net)	7.78B	8.19B	9.06B	9.35B	12.8B	13.11B	12.89B	12.29B	17.85B	15.5B
Other Assets	-148.41B	-206.28B	-205.01B	-175.89B	56.29B	60.67B	59.12B	90.52B	126.3B	365.53B
Total Current Assets	0	0	0	0	263.97B	321.15B	357.35B	268.89B	452.33B	268.45B
Total Non-Current Assets	0	0	0	0	708.22B	804.62B	759.83B	835.48B	1.26T	1.3T
Total Assets+	953.85B	918.91B	939.28B	958.49B	972.19B	1.13T	1.12T	1.1T	1.72T	1.57T
Asset Growth %	-0.11%	-0.04%	0.02%	0.02%	0.01%	0.16%	-0.01%	-0.01%	0.55%	-0.09%
Return on Assets (ROA)	0.01%	0%	0%	0%	0%	0.01%	0.01%	0.01%	0.02%	0%
Accounts Payable	47.83B	9.27B	31.96B	39.96B	38.8B	40.1B	45.14B	47.03B	49.21B	54.9B
Total Debt+	135.65B	150.89B	146.1B	152.73B	196.79B	220.1B	230.65B	212.81B	399.5B	353.05B
Net Debt	29.95B	45.01B	53.95B	41.99B	87.84B	59.84B	35.85B	39.99B	82.28B	127.35B
Long-Term Debt	135.65B	150.89B	146.1B	152.73B	157.49B	155.87B	172.09B	160.27B	333.65B	297.32B
Short-Term Debt	0	0	0	0	35.36B	60.3B	55.01B	49.21B	60.34B	51.14B
Other Liabilities	-135.86B	-151.06B	-146.26B	-152.94B	193.18B	232.48B	190.01B	217.45B	276.65B	257.62B
Total Current Liabilities	0	0	0	0	562.46B	672.93B	689.99B	665.62B	1.01T	919.03B
Total Non-Current Liabilities	0	0	0	0	355.06B	393.07B	366.19B	381.52B	616.76B	560.43B
Total Liabilities	895.87B	865.32B	886.73B	905.38B	917.52B	1.07T	1.06T	1.05T	1.63T	1.48T
Total Equity+	55.96B	52.92B	52.49B	52.93B	54.67B	59.76B	61B	57.22B	86.64B	85.57B
Equity Growth %	0.09%	-0.05%	-0.01%	0.01%	0.03%	0.09%	0.02%	-0.06%	0.51%	-0.01%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.12%	0.06%	0.02%	0.09%	0.08%	0.11%	0.12%	0.13%	0.38%	0.06%
Book Value per Share	14.80	13.84	13.68	13.78	14.51	16.12	16.82	16.84	26.29	25.54
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	0	0	0	0	338M	338M	322M	304M	346M	346M
Additional Paid-in Capital	31.53B	25.96B	23.6B	20.84B	18.06B	16.75B	15.93B	13.55B	13.22B	12.01B
Retained Earnings	29.85B	25.03B	25.93B	30.45B	34.12B	38.78B	43.85B	50B	74.88B	78.03B
Accumulated OCI	-4.09B	3.95B	4.84B	3.93B	5.3B	7.65B	5.24B	-103M	2.46B	1.09B
Treasury Stock	-1.71B	-2.36B	-2.21B	-2.63B	-3.33B	-4.07B	-4.67B	-6.87B	-4.8B	-6.4B
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	3.15B	-16.15B	-52.27B	28.91B	19.7B	36.96B	31.43B	14.65B	86.07B	3.28B
Operating CF Growth %	-0.63%	-6.14%	-2.24%	1.55%	-0.32%	0.88%	-0.15%	-0.53%	4.88%	-0.96%
Net Income	6.46B	3.23B	1.16B	4.52B	4.31B	6.57B	7.49B	7.66B	27.87B	5.15B
Depreciation & Amortization	1.04B	1.06B	1.13B	1.29B	1.94B	2.13B	2.12B	2.06B	3.37B	3.8B
Deferred Taxes	-1.63B	-6.87M	3.35B	425M	477M	352M	434M	494M	-694M	-495M
Other Non-Cash Items	707.17M	7.34B	471.21M	-7.42B	6.8B	-5.92B	21.57B	-13.8B	-34.58B	15.63B
Working Capital Changes	-3.43B	-27.77B	-58.38B	30.09B	6.18B	33.83B	-187.93M	18.23B	90.1B	-20.8B
Cash from Investing+	-8.44B	35.66B	5.24B	-6.13B	-1.56B	-6.79B	-2.12B	-12.45B	103.23B	709M
Purchase of Investments	-102.37B	-15.97B	-8.75B	-5.77B	-3.99B	-10.46B	-6.22B	-16.78B	-14.24B	-5.96B
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	469.43M	65.76M	240.22M	-150M	88M	628M	592M	1.73B	194.26M	192M
Other Investing	624.51M	204.16M	68.78M	114M	11M	367M	295M	161M	108.5B	106M
Cash from Financing+	-6.67B	-954.04M	27.32B	190M	-25.61B	12.43B	10.35B	-9.09B	-58.26B	-84.17B
Dividends Paid	-2.76B	-3.16B	-2.22B	-2.39B	-2.54B	-2.61B	-1.3B	-1.67B	-1.68B	-2.26B
Share Repurchases	-854.88M	-1.25B	-718.51M	-1.43B	-1.56B	-1.39B	-3.34B	-6.01B	-2.78B	0
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	-1000K	-1000K	1000K	1000K	-1000K	1000K	1000K	-1000K	-1000K	-1000K
Other Financing	-74.25M	9.81B	-821.55M	8.89B	-526M	-576M	-283M	-616M	-721M	546M
Net Change in Cash+	-13.83B	17.76B	-19.44B	21.25B	-6.21B	53.66B	34.34B	-12.55B	144.99B	-96.12B
Exchange Rate Effect	-1000K	-1000K	1000K	-1000K	1000K	1000K	-1000K	-1000K	1000K	-1000K
Cash at Beginning	118.08B	101.14B	124.36B	104.83B	126.08B	119.87B	173.53B	207.88B	195.32B	340.21B
Cash at End	104.25B	118.9B	104.92B	126.08B	119.87B	173.53B	207.88B	195.32B	340.31B	244.09B
Interest Paid	0	0	0	0	10.77B	6.32B	0	0	0	48.25B
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	1.28B	-17.9B	-53.9B	27.23B	18.12B	35.1B	29.58B	13B	84.38B	1.27B
FCF Growth %	-0.8%	-14.95%	-2.01%	1.51%	-0.33%	0.94%	-0.16%	-0.56%	5.49%	-0.98%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	11.71%	6.15%	1.84%	8.57%	8%	11.46%	12.35%	12.91%	38.05%	5.91%
Return on Assets (ROA)	0.62%	0.36%	0.1%	0.48%	0.45%	0.63%	0.66%	0.69%	1.94%	0.31%
Net Interest Margin	-0.68%	-0.81%	-0.71%	-0.81%	0.46%	0.52%	0.6%	0.6%	0.42%	0.45%
Efficiency Ratio	100%	100%	100%	100%	80.75%	74.57%	72.95%	71.21%	14.26%	46.71%
Equity / Assets	5.87%	5.76%	5.59%	5.52%	5.62%	5.31%	5.46%	5.18%	5.05%	5.47%
Book Value / Share	14.8	13.84	13.68	13.78	14.51	16.12	16.82	16.84	26.29	25.54
NII Growth	2.91%	-14.6%	11.22%	-16.81%	158.12%	30.16%	14.38%	-1.22%	10.19%	-2.59%
Dividend Payout	43.98%	94.5%	229.46%	52.89%	59.11%	39.76%	17.45%	21.86%	6.14%	44.36%

Revenue by Geography

	2017	2018	2019	2020	2021	2022	2024
Americas	12B	12.8B	12B	13B	14.5B	13.8B	16.8B
Americas Growth	-	6.67%	-6.25%	8.33%	11.54%	-4.83%	21.74%
CH	-	-	6.7B	6.9B	7.9B	7.7B	15.1B
CH Growth	-	-	-	2.99%	14.49%	-2.53%	96.10%
Asia Pacific	-	-	4.7B	6B	6.5B	5.6B	6.8B
Asia Pacific Growth	-	-	-	27.66%	8.33%	-13.85%	21.43%
Global	-400M	-1.1B	-400M	-	-	-	2.2B
Global Growth	-	-175.00%	63.64%	-	-	-	-
EMEA	6B	6.3B	5.8B	6.5B	7B	7B	-
EMEA Growth	-	5.00%	-7.94%	12.07%	7.69%	0.00%	-
US	11.4B	12.2B	10.9B	11.7B	13.5B	-	-
US Growth	-	7.02%	-10.66%	7.34%	15.38%	-	-
Switzerland	6.9B	7.3B	-	-	-	-	-
Switzerland Growth	-	5.80%	-	-	-	-	-
APAC	4.7B	5B	-	-	-	-	-
APAC Growth	-	6.38%	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

UBS Group AG (UBS) has a price-to-earnings (P/E) ratio of 31.2x. This suggests investors expect higher future growth.

Growth & Financials

UBS Group AG (UBS) grew revenue by 21.2% over the past year. This is strong growth.

Yes, UBS Group AG (UBS) is profitable, generating $7.34B in net income for fiscal year 2024 (6.3% 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 5.9%. This is below average, suggesting room for improvement.

Industry Metrics

UBS Group AG (UBS) has a net interest margin (NIM) of 0.5%. NIM has been under pressure due to interest rate environment.

UBS Group AG (UBS) has an efficiency ratio of 46.7%. This is excellent, indicating strong cost control.

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