Financial Services · Banks - Diversified
Price
$51.04
Market Cap
$167.3B
Employees
106,789
Beta
0.84
Avg Volume
2,277,578
CEO
Sergio Ermotti
Business Description
UBS Group AG, a financial services giant headquartered in Zurich, Switzerland, since its founding in 1862 (and known as UBS AG until its name change in December 2014), delivers a comprehensive range of financial advice and solutions to a global clientele of private individuals, institutions, and corporations. The firm structures its operations across four primary business segments: The Global Wealth Management division caters specifically to affluent and ultra-high-net-worth clients. It provides sophisticated investment guidance, various lending products, including mortgages and securities-based loans, and extensive planning services encompassing estate and wealth management, philanthropy, corporate and banking services, and family advisory. Through its Personal & Corporate Banking arm, UBS supports individual clients with essential banking services like deposits, cards, and digital platforms, alongside financing, investment opportunities, and retirement solutions. For corporate and institutional clients, this division furnishes a wide array of solutions, spanning equity and debt capital market activities, syndicated and structured credit facilities, private placements, leasing, traditional financing, international trade and export finance, global custody, and transactional banking for payments and liquidity management. The Asset Management division specializes in a broad spectrum of investment strategies, encompassing equities, fixed income, hedge funds, real estate, and private market assets. It also crafts bespoke multi-asset solutions and offers expert advisory and fiduciary services, including multi-manager hedge fund solutions. Finally, the Investment Bank offers strategic counsel to clients on significant business ventures and assists them in securing capital for their operations. It facilitates the trading, sale, and financing of securities across global capital markets, while also aiding clients in risk management and liquidity optimization, and provides distinctive insights and research on key financial markets and various securities.
Business History
Price Overview
Price at report time · Jul 3, 4:49am (0m ago)
$51.04
Change · Jul 3
+1.32 (+2.65%)
Day Range
$50.60 – $51.69
52-Week Range
$34.07 – $51.69
50-Day MA
$46.80
200-Day MA
$42.89
Volume
1,724,245.00
Right now · live
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Real-time — the change above is the move since the report (over 0m).
Analyst Price Targets
Low
$19.24
Consensus
$23.57
High
$34.00
(7 analysts)
Share Structure
Outstanding
3,277,805,052.00
Float
3,087,390,499.00
Free Float
94.2%
High free float
— 94.2% of shares trade freely, ~5.8% held by insiders/institutions
Very liquid — most shares trade freely. Low insider ownership can mean less management alignment, but makes large position sizing straightforward.
Price History (1 Year)
Revenue & Net Income Trend
The directional story — useful even when net income is negative.
Revenue
The top line — total sales before any costs or taxes are subtracted. A measure of how much business the company is doing.
Net Income
The bottom line — profit left after subtracting all expenses, interest, and taxes from revenue. Reflects accounting profitability, but includes non-cash items like depreciation, so it isn't the same as cash earned.
Operating Cash Flow
The real cash generated by the day-to-day business — selling products, paying suppliers, collecting from customers. Calculated from net income by adding back non-cash items and adjusting for timing (unpaid bills, unsold inventory). When OCF consistently lags net income, the reported profit may not be converting to real money.
| Period | Revenue | Net Income | Net Margin | YoY/QoQ |
|---|
Key Metrics
API Direct from provider
CALC Derived from statements
P/E Ratio (Price per dollar of earnings)
APIStock Price / EPS (Diluted)
20.30
Stock Price: $51.04
EPS (Diluted): 2.46
EPS (Diluted): 2.46
P/B Ratio (Price vs net asset value)
APIStock Price / Book Value Per Share
1.63
Stock Price: $51.04
Total Equity: $90.21B
Shares: 3,306,545,000
Total Equity: $90.21B
Shares: 3,306,545,000
EV/EBITDA (Total value vs operating profit)
APIEnterprise Value / EBITDA
26.84
Market Cap: $167.30B
Total Debt: $351.86B
Cash: $209.86B
EBITDA: $12.38B
Total Debt: $351.86B
Cash: $209.86B
EBITDA: $12.38B
Enterprise Value (Takeover price (cap + debt - cash))
APIMarket Cap + Total Debt - Cash
$293.5B
Market Cap: $167.30B
Total Debt: $351.86B
Cash: $209.86B
Total Debt: $351.86B
Cash: $209.86B
Gross Margin (Revenue left after direct costs)
APIGross Profit / Revenue
63.3%
Gross Profit: $46.77B
Revenue: $73.84B
Revenue: $73.84B
Operating Margin (Revenue left after all operations)
APIOperating Income / Revenue
12.0%
Operating Income: $8.85B
Revenue: $73.84B
Revenue: $73.84B
Net Margin (Revenue left as actual profit)
APINet Income / Revenue
10.5%
Net Income: $7.77B
Revenue: $73.84B
Revenue: $73.84B
ROE (Profit from shareholder equity)
APINet Income / Total Equity
8.6%
Net Income: $7.77B
Total Equity: $90.21B
Total Equity: $90.21B
ROIC (Profit from all invested capital)
APINOPAT / Invested Capital
0.5%
Operating Income: $8.85B
Tax Rate: 11.9%
Equity: $90.21B
Total Debt: $351.86B
Cash: $209.86B
Tax Rate: 11.9%
Equity: $90.21B
Total Debt: $351.86B
Cash: $209.86B
Current Ratio (Can it pay short-term bills)
APICurrent Assets / Current Liabilities
0.42
Current Assets: $434.00B
Current Liabilities: $1,023.20B
Current Liabilities: $1,023.20B
Debt/Equity (Leverage — debt vs equity)
CALCTotal Debt / Total Equity
3.90
Short-Term Debt: $53.94B
Long-Term Debt: $297.92B
Total Debt: $351.86B
Total Equity: $90.21B
Long-Term Debt: $297.92B
Total Debt: $351.86B
Total Equity: $90.21B
Rev/Share (Top-line per share)
CALCRevenue / Shares Outstanding
$22.33
Revenue: $73.84B
Shares: 3,306,545,000
Shares: 3,306,545,000
Book Value/Share (Net assets per share)
CALC(Total Assets - Total Liabilities) / Shares
$27.28
Total Equity: $90.21B
Shares: 3,306,545,000
Shares: 3,306,545,000
FCF/Share (Real cash generated per share)
CALC(Operating Cash Flow + CapEx) / Shares
$4.67
Operating CF: $17.33B
CapEx: -$1.87B
Shares: 3,306,545,000
CapEx: -$1.87B
Shares: 3,306,545,000
CapEx is negative (outflow) — added to OCF to get FCF
Div Yield (Annual income from holding)
APILast Annual Dividend / Stock Price
1.5%
Last Dividend: N/A
Stock Price: $51.04
Stock Price: $51.04
Payout Ratio (Earnings paid out as dividends)
Dividends Paid / Net Income
—
Dividends Paid: N/A
Net Income: $7.77B
Net Income: $7.77B
Dividends paid not available in cash flow statement
Industry Benchmarks
Compares UBS against LLM-researched typical ranges for its
industry. One research call per industry, cached indefinitely — every stock in the same industry
reuses the same baseline.
Deep Analysis
Pre-flight intelligence scans the company first, then routes to the right analytical methods.
0
Company Classification
— What type of company is this?
1
Industry Landscape
— Where is the industry headed?
2
Company Momentum
— Where is this company trending?
3
Forward Projection
— 1Y & 2Y projected metrics (requires Layer 1 + 2)
4a
DCF Valuation
— Present value of future cash flows
4b
Earnings Power Value
— Floor value — worth with zero growth
4c
Anchored PE
— Industry PE adjusted for growth differential
4d
Reverse DCF
— What growth is the market pricing in?
4e
Revenue-Based DCF
— For growth/narrative companies (skip if mature earner)
4f
Anchored P/S
— Price-to-Sales peer comparison (skip if mature earner)
4g
Scenario Analysis
— Bull / Base / Bear (skip if mature earner)
4h
Dividend Discount Model
— For dividend/income stocks only
4i
Book Value Analysis
— For deep value / turnaround stocks only
4j
Insider Activity
— Are insiders buying or selling?
4f
Cash Flow Quality
— How trustworthy is the FCF?
4g
Debt Maturity Risk
— Can it handle its debt?
4h
Macro Environment
— Rates, market valuation, volatility
4i
Sector Intelligence
— How does this company compare within its sector?
4j
Revenue Confidence
— How reliable is the growth projection?
4k
Sensitivity Analysis
— How fragile is the fair value estimate?
4l
Sector Demand Cycle
— Is the sector in a boom, steady state, or contraction?
5
AI Investigation
— Adaptive research engine (Claude)
5b
Thesis Evaluation
— What does the market believe? (narrative/platform stocks only)
6
Valuation Synthesis
— Weighted verdict from all methods (requires Layer 4)
Income Statement (Annual)
Last updated: Jul 3, 2026 4:49am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $35.0B | $36.8B | $57.4B | $74.2B | $73.8B |
| Cost of Revenue | $2.8B | $6.1B | $25.0B | $33.1B | $27.1B |
| Gross Profit | $32.2B | $30.7B | $32.4B | $41.1B | $46.8B |
| Operating Expenses | $23.5B | $21.8B | $8.2B | $34.9B | $37.9B |
| Operating Income | $8.7B | $8.9B | $24.2B | $6.2B | $8.9B |
| Net Income | $6.8B | $7.1B | $23.4B | $4.6B | $7.8B |
| EBITDA | $10.6B | $10.8B | $27.4B | $9.6B | $12.4B |
| EPS | $2.14 | $2.34 | $8.68 | $1.59 | $2.46 |
| EPS (Diluted) | — | — | — | — | — |
Balance Sheet (Annual)
Last updated: Jul 3, 2026 4:49am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $194.8B | $172.8B | $317.2B | $225.7B | $209.9B |
| Total Current Assets | $357.4B | $268.9B | $452.3B | $268.5B | $434.0B |
| Total Assets | $1.1T | $1.1T | $1.7T | $1.6T | $1.6T |
| Current Liabilities | $690.0B | $665.6B | $1.0T | $919.0B | $1.0T |
| Long-Term Debt | $172.1B | $160.3B | $333.7B | $297.3B | $297.9B |
| Total Liabilities | $1.1T | $1.0T | $1.6T | $1.5T | $1.5T |
| Total Equity | $60.7B | $56.9B | $86.1B | $85.1B | $90.2B |
| Retained Earnings | $43.9B | $50.0B | $74.9B | $78.0B | $82.7B |
Cash Flow (Annual)
Last updated: Jul 3, 2026 4:49am (just now)| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $31.4B | $14.6B | $86.1B | $3.3B | $17.3B |
| Capital Expenditure | -$1.8B | -$1.6B | -$1.7B | -$2.0B | -$1.9B |
| Free Cash Flow | $29.6B | $13.0B | $84.4B | $1.3B | $15.5B |
| Acquisitions (net) | $592.0M | $1.7B | $194.3M | $192.0M | $504.4M |
| Debt Repayment | — | — | — | — | — |
| Dividends Paid | — | — | — | — | — |
| Stock Buybacks | -$3.3B | -$6.0B | -$2.8B | -$2.9B | -$4.1B |
| Net Change in Cash | $34.3B | -$12.6B | $145.0B | -$96.1B | -$10.1B |
Analyst Estimates (Annual)
Last updated: Jul 3, 2026 4:49am (just now)| Metric | 2026 | 2027 | 2028 | 2029 |
|---|---|---|---|---|
| Revenue |
$52.3B $51.2B – $53.4B
|
$53.8B $53.3B – $54.6B
|
$55.7B $54.3B – $57.5B
|
$59.1B $57.7B – $61.0B
|
| EBITDA |
$14.3B $14.0B – $14.6B
|
$14.7B $14.6B – $15.0B
|
$15.3B $14.9B – $15.8B
|
$16.2B $15.8B – $16.7B
|
| Net Income |
$11.4B $10.8B – $11.9B
|
$13.6B $13.5B – $13.8B
|
$15.4B $14.9B – $16.1B
|
$16.7B $16.2B – $17.4B
|
| EPS | — | — | — | — |
Growth Trends (YoY %)
Last updated: Jul 3, 2026 4:49am (just now)| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue Growth | +5.1% | +55.8% | +29.3% | -0.5% |
| Gross Profit Growth | -4.5% | +5.3% | +27.0% | +13.8% |
| Operating Income Growth | +2.4% | +172.3% | -74.4% | +43.0% |
| Net Income Growth | +3.5% | +232.0% | -80.3% | +68.2% |
| EBITDA Growth | +1.7% | +153.9% | -64.8% | +28.5% |
Dividend History (Last 20)
Last updated: Jul 3, 2026 4:49am (just now)| Date | Dividend | Declaration | Record | Payment |
|---|---|---|---|---|
| 2026-04-22 | $0.55 | 2026-02-04 | 2026-04-22 | 2026-04-23 |
| 2025-04-16 | $0.45 | 2025-02-04 | 2025-04-16 | 2025-04-17 |
| 2024-04-30 | $0.35 | 2024-02-06 | 2024-05-02 | 2024-05-03 |
| 2023-04-12 | $0.55 | 2023-01-31 | 2023-04-13 | 2023-04-14 |
| 2022-04-12 | $0.50 | 2022-02-01 | 2022-04-13 | 2022-04-14 |
| 2021-04-13 | $0.37 | 2021-01-26 | 2021-04-14 | 2021-04-15 |
| 2020-11-24 | $0.37 | 2020-10-20 | 2020-11-25 | 2020-11-27 |
| 2020-05-05 | $0.36 | 2020-01-21 | 2020-05-06 | 2020-05-07 |
| 2019-05-06 | $0.70 | 2019-01-22 | 2019-05-07 | 2019-05-08 |
| 2018-05-07 | $0.65 | 2018-01-26 | 2018-05-08 | 2018-05-09 |
| 2017-05-08 | $0.60 | 2017-01-31 | 2017-05-09 | 2017-05-10 |
| 2016-05-12 | $0.88 | 2016-02-03 | 2016-05-13 | 2016-05-17 |
| 2015-09-18 | $0.26 | 2015-02-10 | 2015-09-21 | 2015-09-22 |
| 2015-05-11 | $0.54 | 2015-02-10 | 2015-05-12 | 2015-05-13 |
| 2014-05-12 | $0.25 | 2014-05-13 | 2014-05-14 | 2014-05-15 |
| 2013-05-06 | $0.15 | 2013-02-05 | 2013-05-08 | 2013-05-10 |
| 2012-05-07 | $0.10 | 2012-05-07 | 2012-05-09 | 2012-05-10 |
| 2006-04-20 | $5.65 | 2006-02-14 | 2006-07-11 | 2006-07-12 |
| 2005-04-22 | $3.00 | 2005-02-08 | 2005-04-26 | |
| 2004-04-16 | $2.60 | 2004-02-11 | 2004-04-15 | 2004-04-20 |
Narrative Economics
The story the market is telling about this stock — the intangible X-factor
(founder mythology, cult dynamics, TAM-of-imagination) that moves price beyond
what cash flows alone explain. After Shiller, Narrative Economics.
No narrative profile yet for UBS — it's generated by the pipeline (
market-narrative step).
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Data via Financial Modeling Prep · Cached for performance · fmp
v1.1.373 · 697c9e64 · 2026-07-02 20:17:59