UBS Group
Market Cap
CHF40.9b
Last Updated
2019/10/17 21:34 UTC
Data Sources
Company Financials +
Executive Summary
UBS Group AG, together with its subsidiaries, provides financial advice and solutions worldwide.
Snowflake
Fundamentals
Good value average dividend payer.
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
Market Performance
7 Day Return
4.3%
UBSG
4.5%
CH Capital Markets
0.6%
CH Market
1 Year Return
-19.9%
UBSG
-13.4%
CH Capital Markets
9.7%
CH Market
Return vs Industry: UBSG underperformed the Swiss Capital Markets industry which returned -13.4% over the past year.
Return vs Market: UBSG underperformed the Swiss Market which returned 9.7% over the past year.
Shareholder returns
| UBSG | Industry | Market | |
|---|---|---|---|
| 7 Day | 4.3% | 4.5% | 0.6% |
| 30 Day | -1.0% | -1.6% | -0.02% |
| 90 Day | -5.4% | -1.9% | 1.1% |
| 1 Year | -15.5%-19.9% | -9.9%-13.4% | 15.6%9.7% |
| 3 Year | -5.8%-17.1% | 2.6%-8.9% | 33.9%16.5% |
| 5 Year | -10.7%-28.5% | -15.8%-32.2% | 38.0%16.3% |
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
1 day ago | Simply Wall St
Should You Buy UBS Group AG (VTX:UBSG) For Its Dividend?3 weeks ago | Simply Wall St
Investors Who Bought UBS Group (VTX:UBSG) Shares Five Years Ago Are Now Down 33%1 month ago | Simply Wall St
Is UBS Group AG (VTX:UBSG) Excessively Paying Its CEO?Valuation
Is UBS Group undervalued compared to its fair value and its price relative to the market?
14.2%
Undervalued compared to fair value
Share Price vs. Fair Value
Undervalued: UBSG (CHF11.19) is trading below our estimate of fair value (CHF13.04)
Significantly Undervalued: UBSG is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: UBSG is good value based on its PE Ratio (10.2x) compared to the Capital Markets industry average (15.2x).
PE vs Market: UBSG is good value based on its PE Ratio (10.2x) compared to the Swiss market (18.5x).
Price to Earnings Growth Ratio
Low 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 (0.8x) compared to the CH Capital Markets industry average (1x).
Next Steps
Future Growth
How is UBS Group forecast to perform in the next 1 to 3 years based on estimates from 17 analysts?
8.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UBSG's forecast earnings growth (8.9% per year) is above the savings rate (3.3%).
Earnings vs Market: UBSG's earnings (8.9% per year) are forecast to grow slower than the Swiss market (10.3% per year).
High Growth Earnings: UBSG's earnings are forecast to grow, but not significantly.
Revenue vs Market: UBSG's revenue (2.4% per year) is forecast to grow slower than the Swiss market (3.5% per year).
High Growth Revenue: UBSG's revenue (2.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
High Future ROE: UBSG's Return on Equity is forecast to be low in 3 years time (9.2%).
Next Steps
Past Performance
How has UBS Group performed over the past 5 years?
-10.5%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: UBSG's earnings have declined by -10.5% per year over the past 5 years.
Accelerating Growth: UBSG's earnings growth over the past year (181.3%) exceeds its 5-year average (-10.5% per year).
Earnings vs Industry: UBSG earnings growth over the past year (181.3%) exceeded the Capital Markets industry -4.5%.
Return on Equity
High ROE: UBSG's Return on Equity (7.7%) is considered low.
Return on Assets
ROA vs Industry: UBSG's Return on Assets is below or equal to the Capital Markets industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate UBSG's Return on Capital Employed to determine if it has improved over the past 3 years.
Next Steps
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
Inventory Level: UBSG has a low level of unsold assets or inventory.
Debt Coverage by Assets: UBSG's debt is covered by short term assets (assets are 1.493870x debt).
Financial Institutions Analysis
Asset Level: UBSG's level of assets compared to its equity is moderate.
Allowance for Bad Loans: Insufficient data to determine if UBSG has a sufficient allowance for bad loans.
Low Risk Liabilities: UBSG reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if UBSG has an acceptable proportion of non-loan assets held.
Low Risk Deposits: UBSG has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if UBSG has an appropriate level of bad loans.
Next Steps
Dividend
What is UBS Group's current dividend yield, its reliability and sustainability?
6.05%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: UBSG's dividend (6.05%) is higher than the bottom 25% of dividend payers in the Swiss market (1.91%).
High Dividend: UBSG's dividend (6.05%) is in the top 25% of dividend payers in the Swiss market (3.7%)
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 8 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (64.3%), UBSG's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: UBSG's dividends in 3 years are forecast to be covered by earnings (57% payout ratio).
Next Steps
Management
What is the CEO of UBS Group's salary, the management and board of directors tenure and is there insider trading?
2.8yrs
Average management tenure
CEO
Sergio Ermotti (59yo)
4.9yrs
Tenure
US$14,123,994
Compensation
Mr. Sergio P. Ermotti has been Group Chief Executive Officer of UBS Group AG since November 2014 and its Member of Group Executive Board since April 1, 2011. Mr. Ermotti has been the Chief Executive Office ...
CEO Compensation Analysis
Compensation vs. Market: Sergio's total compensation ($USD14.30M) is above average for companies of similar size in the Swiss market ($USD4.22M).
Compensation vs Earnings: Sergio's compensation has been consistent with company performance over the past year.
Management Age and Tenure
2.8yrs
Average Tenure
58.5yo
Average Age
Experienced Management: UBSG's management team is considered experienced (2.8 years average tenure).
Board Age and Tenure
4.9yrs
Average Tenure
61yo
Average Age
Experienced Board: UBSG's board of directors are considered experienced (4.9 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Management Team
Axel Lehmann (60yo)
President of Personal & Corp Banking
- Tenure: 3.8yrs
Tom Naratil (58yo)
Co-President Global Wealth Management
- Tenure: 8.3yrs
Edmund Koh (59yo)
President of UBS Asia Pacific & Member of Executive Board
- Tenure: 0.8yrs
Piero Novelli (54yo)
Co-President of Investment Bank & Member of Executive Board
- Tenure: 1yrs
Markus Ronner (54yo)
Group Chief Compliance & Governance Officer and Member of Group Executive Board
- Tenure: 0.9yrs
Rob Karofsky (52yo)
Co-President of Investment Bank & Member of Executive Board
- Tenure: 1yrs
Sergio Ermotti (59yo)
Group CEO & Chairman of Executive Board
- Tenure: 4.9yrs
- Compensation: US$14.12m
Markus Diethelm (62yo)
Group General Counsel & Member of the Group Executive Board
- Tenure: 11.1yrs
Sabine Keller-Busse (54yo)
Group COO
- Tenure: 1.8yrs
Kirt Gardner (60yo)
Group CFO & Member of Executive Board
- Tenure: 3.8yrs
Board Members
David Sidwell (66yo)
Senior Independent Director
- Tenure: 4.9yrs
- Compensation: US$1.08m
Julie Richardson (56yo)
Independent Director
- Tenure: 2.4yrs
- Compensation: US$625.00k
Reto Francioni (64yo)
Independent Director
- Tenure: 4.9yrs
- Compensation: US$575.00k
Axel Weber (62yo)
Chairman of the Board
- Tenure: 4.9yrs
- Compensation: US$6.03m
Beatrice di Mauro (54yo)
Independent Director
- Tenure: 4.9yrs
- Compensation: US$575.00k
Jeremy Anderson (61yo)
Independent Director
- Tenure: 1.4yrs
- Compensation: US$675.00k
Isabelle Romy (54yo)
Independent Director
- Tenure: 4.9yrs
- Compensation: US$625.00k
Juan Monte
Chairman of Spain
- Tenure: 0yrs
Daniel Villanueva
CEO of Spain Operations
- Tenure: 10.1yrs
Alain Robert Tissot
Chairman of the UBS Culture Foundation and Vice Chairman of Wealth Management & Swiss Bank
- Tenure: 9.8yrs
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: CHF40.936b
- Shares outstanding: 3.66b
- Website: https://www.ubs.com
Number of Employees
Location
- UBS Group AG
- Bahnhofstrasse 45
- PO Box
- Zurich
- Zurich
- 8001
- Switzerland
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| UBSG | SWX (SIX Swiss Exchange) | Yes | Registered Shares | CH | CHF | Jun 1998 |
| UBS | NYSE (New York Stock Exchange) | Yes | Registered Shares | US | USD | Jun 1998 |
| 0R3T | LSE (London Stock Exchange) | Yes | Registered Shares | GB | CHF | Jun 1998 |
| 0UB | DB (Deutsche Boerse AG) | Yes | Registered Shares | DE | EUR | Jun 1998 |
| UBS N | BMV (Bolsa Mexicana de Valores) | Yes | Registered Shares | MX | MXN | Jun 1998 |
| SMMPR | SWX (SIX Swiss Exchange) | OPEN TRK ZT (SWITZERLAND) | CH | CHF | Apr 2011 | |
| SMMPR | XQMH (SIX Structured Products Exchange AG) | OPEN TRK ZT (SWITZERLAND) | CH | CHF | Apr 2011 | |
| UBSG34 | BOVESPA (Bolsa de Valores de Sao Paulo) | BDR EA REPR 1 COM SHS CHF0.10 | BR | BRL | Sep 2016 | |
| UBSGE | SWX (SIX Swiss Exchange) | CHF0.10 | CH | CHF | Mar 2018 |
Biography
UBS Group AG, together with its subsidiaries, provides financial advice and solutions worldwide. It operates through four divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/17 21:34 |
| End of Day Share Price | 2019/10/17 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2018/12/31 |
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.