SWX:UBSG

Stock Analysis Report

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

UBSGIndustryMarket
7 Day4.3%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

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

company6.0%marketbottom25%1.9%markettop25%3.7%industryaverage4.4%forecastin3Years6.8%

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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
UBSGSWX (SIX Swiss Exchange)YesRegistered SharesCHCHFJun 1998
UBSNYSE (New York Stock Exchange)YesRegistered SharesUSUSDJun 1998
0R3TLSE (London Stock Exchange)YesRegistered SharesGBCHFJun 1998
0UBDB (Deutsche Boerse AG)YesRegistered SharesDEEURJun 1998
UBS NBMV (Bolsa Mexicana de Valores)YesRegistered SharesMXMXNJun 1998
SMMPRSWX (SIX Swiss Exchange)OPEN TRK ZT (SWITZERLAND)CHCHFApr 2011
SMMPRXQMH (SIX Structured Products Exchange AG)OPEN TRK ZT (SWITZERLAND)CHCHFApr 2011
UBSG34BOVESPA (Bolsa de Valores de Sao Paulo)BDR EA REPR 1 COM SHS CHF0.10BRBRLSep 2016
UBSGESWX (SIX Swiss Exchange)CHF0.10CHCHFMar 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/10/17 21:34
End of Day Share Price2019/10/17 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.