Last 47 quarters of trend data · Financial Services · Banks - Diversified
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
UBS Group AG's quarterly P/E stands at 39.9x, up 21.1% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 30.5% YoY to 38.2x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 23.75 | 39.92 | 13.78 | 11.74 | 15.01 | 32.96 | 17.56 | 21.72 | 14.77 | — | — | 0.60 | 16.67 |
| — | +21.1% | -21.6% | -45.9% | +1.7% | — | — | +3547.6% | -11.4% | — | — | -91.0% | +108.2% | |
| P/S Ratio | 2.33 | 2.62 | 2.32 | 1.92 | 1.60 | 1.47 | 1.47 | 1.35 | 1.32 | 1.47 | 1.10 | 1.24 | 1.50 |
| — | +78.4% | +57.6% | +42.1% | +21.5% | +0.2% | +33.7% | +9.5% | -11.9% | -3.0% | -13.3% | -22.4% | -18.3% | |
| P/B Ratio | 1.62 | 1.69 | 1.52 | 1.25 | 1.17 | 1.30 | 1.18 | 1.18 | 1.21 | 1.15 | 0.93 | 0.78 | 1.20 |
| — | +30.0% | +28.4% | +5.8% | -3.3% | +13.2% | +26.6% | +51.6% | +0.4% | +7.5% | +7.6% | -20.2% | +3.1% | |
| P/FCF | — | — | — | 5.64 | 1.72 | — | 7.29 | — | 2.32 | 0.66 | 0.66 | 0.40 | — |
| — | — | — | — | -25.8% | — | +1000.8% | — | — | — | — | — | — | |
| EV / EBITDA | 29.75 | 38.16 | 23.67 | 24.61 | 20.05 | 29.25 | 23.30 | 26.34 | 17.03 | 80.81 | 72.51 | 2.03 | 18.91 |
| — | +30.5% | +1.6% | -6.6% | +17.7% | -63.8% | -67.9% | +1197.7% | -9.9% | +632.6% | +914.3% | -69.8% | +167.8% | |
| EV / EBIT | 40.46 | 55.51 | 31.24 | 34.69 | 28.14 | 57.01 | 35.45 | 42.53 | 23.44 | — | — | 2.09 | 25.55 |
| — | -2.6% | -11.9% | -18.4% | +20.0% | — | — | +1931.8% | -8.2% | — | — | -73.8% | +205.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
UBS Group AG's operating margin was 9.2% in Q4 2025, down 6.0 pp QoQ and up 3.7 pp YoY. The trailing four-quarter average of 12.0% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 14.5% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 63.6% | 65.5% | 63.9% | 61.9% | 62.3% | 57.2% | 55.4% | 53.8% | 54.6% | 51.8% | 52.7% | 57.7% | 69.2% |
| — | +14.5% | +15.4% | +15.0% | +14.0% | +10.4% | +5.0% | -6.8% | -21.1% | -29.0% | -35.6% | -34.5% | -24.9% | |
| Operating Margin | 11.9% | 9.2% | 15.3% | 12.0% | 11.4% | 5.5% | 9.4% | 7.2% | 11.0% | -3.8% | -0.9% | 180.0% | 11.9% |
| — | +67.2% | +62.1% | +66.2% | +4.0% | +246.1% | +1109.6% | -96.0% | -8.2% | -121.4% | -103.9% | +528.8% | -55.5% | |
| Net Margin | 10.4% | 6.5% | 13.4% | 13.1% | 9.1% | 4.1% | 7.0% | 5.6% | 8.1% | -1.4% | -3.6% | 177.6% | 8.2% |
| — | +60.4% | +92.6% | +134.9% | +11.8% | +389.3% | +291.9% | -96.9% | -1.5% | -109.3% | -120.3% | +669.8% | -60.9% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.0% | 1.1% | 2.2% | 2.1% | 1.7% | 0.8% | 1.4% | 1.2% | 1.8% | -0.3% | -0.8% | 33.8% | 1.6% |
| — | +24.4% | +54.3% | +78.7% | -5.3% | +404.8% | +287.7% | -96.4% | +11.7% | -110.3% | -125.1% | +875.7% | -49.9% | |
| ROA | 0.4% | 0.1% | 0.1% | 0.1% | 0.1% | 0.0% | 0.1% | 0.1% | 0.1% | -0.0% | -0.0% | 1.8% | 0.1% |
| — | +27.5% | +55.8% | +83.6% | +1.8% | +423.2% | +294.7% | -96.4% | +9.4% | -110.3% | -125.7% | +900.8% | -50.2% | |
| ROIC | 1.2% | 0.2% | 0.4% | 0.3% | 0.3% | 0.2% | 0.3% | 0.2% | 0.3% | -0.1% | -0.0% | 4.8% | 0.4% |
| — | +35.7% | +37.9% | +37.5% | -2.9% | +264.8% | +1125.3% | -95.6% | -9.4% | -119.6% | -104.0% | +621.4% | -42.8% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
UBS Group AG's Debt/EBITDA ratio is 181.6x, up from 123.2x last quarter — elevated, raising questions about debt serviceability. The current ratio has improved 45.2% YoY to 0.42x, strengthening the short-term liquidity position. Debt/Equity has declined for 3 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 3.94 | 3.94 | 4.06 | 4.11 | 3.84 | 4.13 | 4.31 | 4.48 | 4.35 | 4.61 | 4.56 | 4.62 | 3.82 |
| — | -4.6% | -5.9% | -8.2% | -11.7% | -10.5% | -5.5% | -3.1% | +13.7% | +24.0% | +27.9% | +21.5% | +0.5% | |
| Debt / EBITDA | 37.29 | 181.56 | 123.25 | 150.13 | 131.88 | 172.98 | 150.13 | 176.76 | 126.02 | 709.74 | 555.06 | 15.83 | 118.02 |
| — | +5.0% | -17.9% | -15.1% | +4.7% | -75.6% | -73.0% | +1016.7% | +6.8% | +664.9% | +673.4% | -78.3% | +56.9% | |
| Current Ratio | 0.42 | 0.42 | 0.28 | 0.29 | 0.30 | 0.29 | 0.42 | 0.43 | 0.43 | 0.45 | 0.46 | 0.46 | 0.45 |
| — | +45.2% | -33.2% | -33.1% | -30.0% | -34.5% | -9.1% | -6.8% | -5.3% | +10.4% | +4.0% | -3.7% | -11.3% | |
| Quick Ratio | 0.42 | 0.42 | 0.28 | 0.29 | 0.30 | 0.29 | 0.42 | 0.43 | 0.43 | 0.45 | 0.46 | 0.46 | 0.45 |
| — | +45.2% | -33.2% | -33.1% | -30.0% | -34.5% | -9.1% | -6.8% | -5.3% | +10.4% | +4.0% | -3.7% | -11.3% | |
| Interest Coverage | 0.33 | 0.27 | 0.43 | 0.32 | 0.31 | 0.13 | 0.21 | 0.16 | 0.24 | -0.08 | -0.02 | 4.71 | 0.39 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Start ComparisonQuick answers to the most common questions about buying UBS stock.
UBS Group AG's current P/E is 23.7x. The average P/E over the last 4 quarters is 20.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
UBS Group AG's current operating margin is 11.9%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking UBS Group AG's business trajectory between earnings reports.