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Market Cap

CHF49.7b

Last Updated

2021/05/07 00:51 UTC

Data Sources

Company Financials +

Executive Summary

UBS Group AG, together with its subsidiaries, provides financial advice and solutions to private, institutional, and corporate clients worldwide. More Details


Snowflake Analysis

Undervalued with proven track record.


Similar Companies

Share Price & News

How has UBS Group's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: UBSG is not significantly more volatile than the rest of Swiss stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: UBSG's weekly volatility (4%) has been stable over the past year.


Market Performance


7 Day Return

1.4%

UBSG

-0.2%

CH Capital Markets

0.3%

CH Market


1 Year Return

46.8%

UBSG

42.8%

CH Capital Markets

16.1%

CH Market

Return vs Industry: UBSG matched the Swiss Capital Markets industry which returned 46.2% over the past year.

Return vs Market: UBSG exceeded the Swiss Market which returned 17% over the past year.


Shareholder returns

UBSGIndustryMarket
7 Day1.4%-0.2%0.3%
30 Day-5.6%-3.1%-0.5%
90 Day5.2%1.5%3.9%
1 Year54.1%46.8%48.6%42.8%19.6%16.1%
3 Year-1.3%-14.1%1.1%-8.6%29.6%14.7%
5 Year20.1%-3.0%43.4%17.9%61.4%31.9%

Long-Term Price Volatility Vs. Market

How volatile is UBS Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is UBS Group undervalued compared to its fair value and its price relative to the market?

20.2%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: UBSG (CHF14.12) is trading below our estimate of fair value (CHF17.68)

Significantly Below Fair Value: UBSG is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: UBSG is good value based on its PE Ratio (8.2x) compared to the CH Capital Markets industry average (21.4x).

PE vs Market: UBSG is good value based on its PE Ratio (8.2x) compared to the Swiss market (24.4x).


Price to Earnings Growth Ratio

PEG Ratio: UBSG is poor value based on its PEG Ratio (1.1x)


Price to Book Ratio

PB vs Industry: UBSG is good value based on its PB Ratio (0.9x) compared to the CH Capital Markets industry average (1.1x).


Future Growth

How is UBS Group forecast to perform in the next 1 to 3 years based on estimates from 15 analysts?

7.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: UBSG's forecast earnings growth (7.1% per year) is above the savings rate (-0.3%).

Earnings vs Market: UBSG's earnings (7.1% per year) are forecast to grow slower than the Swiss market (13.3% per year).

High Growth Earnings: UBSG's earnings are forecast to grow, but not significantly.

Revenue vs Market: UBSG's revenue (2.2% per year) is forecast to grow slower than the Swiss market (4.6% per year).

High Growth Revenue: UBSG's revenue (2.2% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: UBSG's Return on Equity is forecast to be low in 3 years time (9.8%).


Past Performance

How has UBS Group performed over the past 5 years?

10.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: UBSG has a high level of non-cash earnings.

Growing Profit Margin: UBSG's current net profit margins (20.5%) are higher than last year (16.1%).


Past Earnings Growth Analysis

Earnings Trend: UBSG's earnings have grown by 10.5% per year over the past 5 years.

Accelerating Growth: UBSG's earnings growth over the past year (42.6%) exceeds its 5-year average (10.5% per year).

Earnings vs Industry: UBSG earnings growth over the past year (42.6%) exceeded the Capital Markets industry 16%.


Return on Equity

High ROE: UBSG's Return on Equity (11.7%) is considered low.


Financial Health

How is UBS Group's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: UBSG's Assets to Equity ratio (19x) is moderate.

Allowance for Bad Loans: UBSG has a low allowance for bad loans (46%).

Low Risk Liabilities: 52% of UBSG's liabilities are made up of primarily higher risk sources of funding.

Loan Level: UBSG has an appropriate level of Loans to Assets ratio (34%).

Low Risk Deposits: UBSG's Loans to Deposits ratio (76%) is appropriate.

Level of Bad Loans: UBSG has an appropriate level of bad loans (0.6%).


Dividend

What is UBS Group current dividend yield, its reliability and sustainability?

2.38%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: UBSG's dividend (2.38%) is higher than the bottom 25% of dividend payers in the Swiss market (1.55%).

High Dividend: UBSG's dividend (2.38%) is low compared to the top 25% of dividend payers in the Swiss market (3.56%).


Stability and Growth of Payments

Stable Dividend: UBSG has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: UBSG's dividend payments have increased, but the company has only paid a dividend for 9 years.


Current Payout to Shareholders

Dividend Coverage: With its low payout ratio (19.5%), UBSG's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: UBSG's dividends in 3 years are forecast to be well covered by earnings (22.8% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.6yrs

Average management tenure


CEO

Ralph A. J. Hamers (54 yo)

0.50

Tenure

US$6,641,857

Compensation

Mr. Ralph A. J. G. Hamers has been President of Group Executive Board at UBS AG since November 1, 2020. Mr. Hamers has been Group Chief Executive Officer and President of Group Executive Board at UBS Group...


CEO Compensation Analysis

Compensation vs Market: Ralph A. J.'s total compensation ($USD6.64M) is about average for companies of similar size in the Swiss market ($USD5.79M).

Compensation vs Earnings: Insufficient data to compare Ralph A. J.'s compensation with company performance.


Leadership Team

Experienced Management: UBSG's management team is considered experienced (2.6 years average tenure).


Board Members

Experienced Board: UBSG's board of directors are considered experienced (4.5 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

UBS Group AG's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: UBS Group AG
  • Ticker: UBSG
  • Exchange: SWX
  • Founded: 1862
  • Industry: Diversified Capital Markets
  • Sector: Diversified Financials
  • Market Cap: CHF49.729b
  • Shares outstanding: 3.52b
  • Website: https://www.ubs.com

Number of Employees


Location

  • UBS Group AG
  • Bahnhofstrasse 45
  • PO Box
  • Zurich
  • Zurich
  • 8001
  • Switzerland

Listings


Biography

UBS Group AG, together with its subsidiaries, provides financial advice and solutions to private, institutional, and corporate clients worldwide. It operates through four divisions: Global Wealth Managemen...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/07 00:51
End of Day Share Price2021/05/06 00:00
Earnings2021/03/31
Annual Earnings2020/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.