UBS Group AG (UBS) Financial Ratios
27 years of historical data (1999–2025) · Financial Services · Banks - Diversified
EV/EBITDA
↑
30.01
↑+85% vs avg
5yr avg: 16.18
30Y Low6.7·High98.5
P/FCF
↑
N/A
—
5yr avg: 22.05
30Y Low0.6·High79.9
P/B Ratio
↑
1.65
↑+33% vs avg
5yr avg: 1.25
30Y Low0.9·High3.1
ROE
↓
7.0%
↑-49% vs avg
5yr avg: 13.6%
30Y Low5%·High33%
Debt/EBITDA
↑
37.29
↑+43% vs avg
5yr avg: 26.00
30Y Low14.6·High39.5
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
UBS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
UBS Group AG trades at 24.2x earnings, 85% above its 5-year average of 13.0x, sitting at the 86th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a premium of 81%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $140.3B | $153.1B | $101.6B | $101.8B | $63.4B | $64.8B | $52.4B | $47.4B | $47.6B | $70.6B | $59.9B |
| Enterprise Value | $286.6B | $299.4B | $229.0B | $184.1B | $103.4B | $100.7B | $112.2B | $135.2B | $89.6B | $124.5B | $104.9B |
| P/E Ratio → | 24.18 | 24.76 | 19.95 | 3.49 | 8.30 | 8.67 | 7.98 | 11.04 | 9.75 | 73.56 | 17.81 |
| P/S Ratio | 2.38 | 2.59 | 1.37 | 1.77 | 1.72 | 1.85 | 1.63 | 1.34 | 1.29 | 1.97 | 1.62 |
| P/B Ratio | 1.65 | 1.69 | 1.19 | 1.18 | 1.11 | 1.06 | 0.88 | 0.87 | 0.90 | 1.34 | 1.13 |
| P/FCF | — | — | 79.94 | 1.21 | 4.88 | 2.19 | 1.49 | 2.62 | 1.75 | — | — |
| P/OCF | — | — | 30.99 | 1.18 | 4.33 | 2.06 | 1.42 | 2.41 | 1.64 | — | — |
P/E links to full P/E history page with 30-year chart
UBS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
UBS Group AG's enterprise value stands at 30.0x EBITDA, 85% above its 5-year average of 16.2x. The Financial Services sector median is 11.4x, placing the stock at a 163% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 5.07 | 3.08 | 3.21 | 2.81 | 2.87 | 3.50 | 3.81 | 2.43 | 3.48 | 2.84 |
| EV / EBITDA | 30.01 | 31.35 | 23.75 | 6.73 | 9.59 | 9.49 | 12.36 | 18.34 | 70.97 | 112.35 | 94.14 |
| EV / EBIT | 40.81 | 42.64 | 36.98 | 7.62 | 11.65 | 11.61 | 15.58 | 24.72 | — | — | — |
| EV / FCF | — | — | 180.14 | 2.18 | 7.95 | 3.40 | 3.20 | 7.46 | 3.29 | — | — |
UBS Profitability
Margins and return-on-capital ratios measuring operating efficiency
UBS Group AG earns an operating margin of 11.9%, below the Financial Services sector average of 21.2%. Operating margins have compressed from 42.1% to 11.9% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 7.0% is modest, trailing the sector median of 9.4%. ROIC of 1.2% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.6% | 63.6% | 55.4% | 56.4% | 83.5% | 91.9% | 86.4% | 79.9% | 99.7% | 99.6% | 99.9% |
| Operating Margin | 11.9% | 11.9% | 8.3% | 42.1% | 24.1% | 24.8% | 22.5% | 15.4% | — | — | — |
| Net Profit Margin | 10.4% | 10.4% | 6.2% | 40.8% | 19.2% | 19.5% | 18.1% | 11.9% | — | — | — |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.0% | 7.0% | 5.4% | 32.5% | 11.9% | 11.3% | 10.1% | 7.8% | — | — | — |
| ROA | 0.4% | 0.4% | 0.3% | 1.7% | 0.6% | 0.6% | 0.6% | 0.4% | — | — | — |
| ROIC | 1.2% | 1.2% | 1.0% | 4.8% | 2.4% | 2.3% | 2.0% | 1.8% | — | — | — |
| ROCE | 1.1% | 1.1% | 0.9% | 4.2% | 2.1% | 2.0% | 1.7% | 1.4% | — | — | — |
UBS Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
UBS Group AG carries a Debt/EBITDA ratio of 37.3x, which is highly leveraged (803% above the sector average of 4.1x). Net debt stands at $146.3B ($356.1B total debt minus $209.9B cash). Interest coverage of just 0.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.94 | 3.94 | 4.13 | 4.61 | 3.72 | 3.78 | 3.68 | 3.60 | 2.89 | 2.78 | 2.85 |
| Debt / EBITDA | 37.29 | 37.29 | 36.63 | 14.59 | 19.74 | 21.75 | 24.25 | 26.69 | 121.03 | 131.83 | 135.37 |
| Net Debt / Equity | — | 1.62 | 1.49 | 0.95 | 0.70 | 0.59 | 1.00 | 1.61 | 0.79 | 1.03 | 0.85 |
| Net Debt / EBITDA | 15.32 | 15.32 | 13.21 | 3.01 | 3.71 | 3.38 | 6.59 | 11.92 | 33.28 | 48.68 | 40.38 |
| Debt / FCF | — | — | 100.20 | 0.98 | 3.07 | 1.21 | 1.70 | 4.85 | 1.54 | — | — |
| Interest Coverage | 0.33 | 0.33 | 0.19 | 1.00 | 1.46 | 2.91 | 1.92 | 0.78 | — | — | — |
UBS Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.42x is below 1.0, meaning current liabilities exceed current assets — though the company's $209.9B cash position helps mitigate short-term liquidity concerns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.42 | 0.42 | 0.29 | 0.45 | 0.40 | 0.52 | 0.48 | 0.47 | — | — | — |
| Quick Ratio | 0.42 | 0.42 | 0.29 | 0.45 | 0.40 | 0.52 | 0.48 | 0.47 | — | — | — |
| Cash Ratio | 0.21 | 0.21 | 0.25 | 0.31 | 0.26 | 0.28 | 0.24 | 0.19 | — | — | — |
| Asset Turnover | — | 0.04 | 0.05 | 0.03 | 0.03 | 0.03 | 0.03 | 0.04 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
UBS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
UBS Group AG returns 4.7% to shareholders annually — split between a 1.6% dividend yield and 3.1% buyback yield. The payout ratio of 38.7% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 4.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.6% | 1.6% | 2.2% | 1.6% | 2.6% | 2.0% | 5.0% | 5.4% | 5.0% | 3.2% | 5.3% |
| Payout Ratio | 38.7% | 38.7% | 48.9% | 7.2% | 23.7% | 19.1% | 45.0% | 60.3% | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 4.1% | 4.0% | 5.0% | 28.7% | 12.1% | 11.5% | 12.5% | 9.1% | 10.3% | 1.4% | 5.6% |
| FCF Yield | — | — | 1.3% | 82.9% | 20.5% | 45.6% | 67.0% | 38.2% | 57.2% | — | — |
| Buyback Yield | 3.1% | 2.8% | 2.9% | 2.7% | 9.5% | 5.2% | 2.6% | 3.3% | 3.0% | 1.0% | 2.1% |
| Total Shareholder Yield | 4.7% | 4.4% | 5.1% | 4.4% | 12.1% | 7.2% | 7.6% | 8.7% | 8.0% | 4.2% | 7.4% |
| Shares Outstanding | — | $3.3B | $3.4B | $3.3B | $3.4B | $3.6B | $3.7B | $3.8B | $3.8B | $3.8B | $3.8B |
Peer Comparison
Compare UBS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 UBSYou | $140B | 24.2 | 30.0 | — | 63.6% | 11.9% | 7.0% | 1.2% | 37.3 |
 MS | $308B | 24.3 | 26.0 | — | 55.6% | 17.1% | 13.0% | 2.9% | 15.8 |
 GS | $291B | 23.1 | 34.9 | — | 41.1% | 14.5% | 12.0% | 1.9% | 29.7 |
 BAC | $408B | 14.0 | 14.8 | 32.3 | 55.4% | 18.5% | 10.2% | 3.2% | 10.0 |
 C | $223B | 21.4 | 25.1 | — | 41.7% | 10.0% | 6.1% | 1.6% | 27.7 |
 JPM | $849B | 15.9 | 13.6 | — | 58.6% | 27.7% | 17.4% | 5.4% | 9.0 |
 WFC | $249B | 15.0 | 10.6 | 81.9 | 62.2% | 18.6% | 10.7% | 3.7% | 9.1 |
 BK | $92B | 23.0 | 4.6 | — | 46.0% | 14.8% | 11.0% | 5.0% | 5.9 |
 STT | $43B | 18.4 | -9.2 | — | 58.5% | 15.5% | 10.9% | 4.6% | 9.2 |
 RJF | $31B | 15.5 | 5.2 | 14.0 | 88.2% | 28.7% | 17.7% | 20.9% | 1.0 |
 SCHW | $164B | 30.8 | 18.3 | 79.9 | 75.4% | 29.6% | 13.3% | 6.0% | 4.9 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonUBS — Frequently Asked Questions
Quick answers to the most common questions about buying UBS stock.
What is UBS Group AG's P/E ratio?
UBS Group AG's current P/E ratio is 24.2x. The historical average is 16.6x. This places it at the 86th percentile of its historical range.
What is UBS Group AG's EV/EBITDA?
UBS Group AG's current EV/EBITDA is 30.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 39.2x.
What is UBS Group AG's ROE?
UBS Group AG's return on equity (ROE) is 7.0%. The historical average is 12.3%.
Is UBS stock overvalued?
Based on historical data, UBS Group AG is trading at a P/E of 24.2x. This is at the 86th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is UBS Group AG's dividend yield?
UBS Group AG's current dividend yield is 1.59% with a payout ratio of 38.7%.
What are UBS Group AG's profit margins?
UBS Group AG has 63.6% gross margin and 11.9% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does UBS Group AG have?
UBS Group AG's Debt/EBITDA ratio is 37.3x, indicating high leverage. A ratio above 4x may signal elevated financial risk.