UBS Group
Market Cap
CHF46.4b
Last Updated
2020/12/04 18:04 UTC
Data Sources
Company Financials +
Executive Summary
UBS Group AG, together with its subsidiaries, provides financial advice and solutions to private, institutional and corporate client worldwide. More Details
Rewards
Risk Analysis
Earnings are forecast to decline by an average of 4.8% per year for the next 3 years
Snowflake Analysis
Adequate balance sheet 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 +/- 5% a week.
Volatility Over Time: UBSG's weekly volatility (5%) has been stable over the past year.
Market Performance
7 Day Return
-2.1%
UBSG
-0.8%
CH Capital Markets
-1.3%
CH Market
1 Year Return
7.8%
UBSG
4.7%
CH Capital Markets
-1.3%
CH Market
Return vs Industry: UBSG exceeded the Swiss Capital Markets industry which returned 4.7% over the past year.
Return vs Market: UBSG exceeded the Swiss Market which returned -1.3% over the past year.
Shareholder returns
| UBSG | Industry | Market | |
|---|---|---|---|
| 7 Day | -2.1% | -0.8% | -1.3% |
| 30 Day | 11.3% | 13.3% | 0.4% |
| 90 Day | 15.6% | 15.0% | 1.9% |
| 1 Year | 14.7%7.8% | 9.4%4.7% | 2.2%-1.3% |
| 3 Year | -13.3%-25.8% | -6.4%-16.1% | 17.6%5.1% |
| 5 Year | -9.5%-29.3% | 5.1%-14.8% | 41.9%18.4% |
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
2 weeks ago | Simply Wall St
UBS Group AG (VTX:UBSG) Looks Interesting, And It's About To Pay A Dividend2 weeks ago | Simply Wall St
UBS Group AG's (VTX:UBSG) Attractive Combination: Does It Earn A Place In Your Dividend Portfolio?1 month ago | Simply Wall St
UBS Group AG Just Beat Earnings Expectations: Here's What Analysts Think Will Happen NextValuation
Is UBS Group undervalued compared to its fair value and its price relative to the market?
9.21x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: UBSG (CHF12.88) is trading above our estimate of fair value (CHF11.32)
Significantly Below Fair Value: UBSG is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: UBSG is good value based on its PE Ratio (9.2x) compared to the CH Capital Markets industry average (17.2x).
PE vs Market: UBSG is good value based on its PE Ratio (9.2x) compared to the Swiss market (22.8x).
Price to Earnings Growth Ratio
PEG Ratio: UBSG's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
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).
Next Steps
Future Growth
How is UBS Group forecast to perform in the next 1 to 3 years based on estimates from 17 analysts?
-4.8%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UBSG's earnings are forecast to decline over the next 3 years (-4.8% per year).
Earnings vs Market: UBSG's earnings are forecast to decline over the next 3 years (-4.8% per year).
High Growth Earnings: UBSG's earnings are forecast to decline over the next 3 years.
Revenue vs Market: UBSG's revenue is expected to decline over the next 3 years (-0.2% per year).
High Growth Revenue: UBSG's revenue is forecast to decline over the next 3 years (-0.2% 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 (8.1%).
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Past Performance
How has UBS Group performed over the past 5 years?
-3.2%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UBSG has high quality earnings.
Growing Profit Margin: UBSG's current net profit margins (18%) are higher than last year (13.5%).
Past Earnings Growth Analysis
Earnings Trend: UBSG's earnings have declined by 3.2% per year over the past 5 years.
Accelerating Growth: UBSG's earnings growth over the past year (44.6%) exceeds its 5-year average (-3.2% per year).
Earnings vs Industry: UBSG earnings growth over the past year (44.6%) exceeded the Capital Markets industry 36.8%.
Return on Equity
High ROE: UBSG's Return on Equity (9.5%) is considered low.
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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 (17.8x) is moderate.
Allowance for Bad Loans: UBSG has a low allowance for bad loans (52%).
Low Risk Liabilities: 51% 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 (35%).
Low Risk Deposits: UBSG's Loans to Deposits ratio (77%) is appropriate.
Level of Bad Loans: UBSG has an appropriate level of bad loans (0.6%).
Next Steps
Dividend
What is UBS Group current dividend yield, its reliability and sustainability?
2.53%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UBSG's dividend (2.53%) is higher than the bottom 25% of dividend payers in the Swiss market (1.94%).
High Dividend: UBSG's dividend (2.53%) is low compared to the top 25% of dividend payers in the Swiss market (3.77%).
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 (23.3%), 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 (29.6% payout ratio).
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Management
How experienced are the management team and are they aligned to shareholders interests?
3.5yrs
Average management tenure
CEO
Ralph A. J. Hamers (54 yo)
0.083
Tenure
Mr. Ralph A. J. G. Hamers has been President of the Executive Board at UBS AG since November 1, 2020. Mr. Hamers has been a Group Chief Executive Officer and President of the Executive Board at UBS Group A...
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Group CEO & President of the Executive Board | 0.083yr | no data | no data | |
| Group CFO & Member of Group Executive Board | 4.92yrs | no data | 0.018% $ 8.6m | |
| Co-President of Investment Bank & Member of Group Executive Board | 2.17yrs | no data | 0.029% $ 13.3m | |
| Group Chief Compliance & Governance Officer and Member of Group Executive Board | 2.08yrs | no data | 0.0079% $ 3.7m | |
| Co-President of Global Wealth Management | 9.5yrs | no data | 0.053% $ 24.8m | |
| Group General Counsel & Member of the Group Executive Board | 12.25yrs | no data | 0.032% $ 15.0m | |
| President of Personal & Corp Banking | 4.92yrs | no data | 0.022% $ 10.3m | |
| President of UBS Asia Pacific & Member of Group Executive Board | 1.92yrs | no data | 0.016% $ 7.3m | |
| Group COO | 4.92yrs | no data | 0.021% $ 9.6m | |
| Co-President of Investment Bank & Member of Group Executive Board | 2.17yrs | no data | 0.030% $ 13.8m | |
| Group Chief Risk Officer & Member of the Group Executive Board | 4.92yrs | no data | 0.012% $ 5.7m | |
| President of Asset Management & Member of Group Executive Board | 1.17yrs | no data | 0.0018% $ 816.8k |
3.5yrs
Average Tenure
56.5yo
Average Age
Experienced Management: UBSG's management team is considered experienced (3.5 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman of Spain | no data | no data | no data | |
| CEO of Spain Operations | 11.25yrs | no data | no data | |
| Chairman of the UBS Culture Foundation and Vice Chairman of Wealth Management & Swiss Bank | 10.92yrs | no data | no data | |
| Independent Non-Executive Director | 3.58yrs | US$925.00k | 0.0013% $ 598.7k | |
| Independent Non-Executive Director | 6.08yrs | US$625.00k | 0.0035% $ 1.6m | |
| Independent Non-Executive Director | 1.58yrs | US$525.00k | no data | |
| Chairman of the Board | 6.08yrs | US$5.24m | 0.026% $ 12.1m | |
| Independent Non-Executive Director | 4.58yrs | US$625.00k | 0.0017% $ 779.7k | |
| Non-Executive Director | 0.67yr | no data | no data | |
| Independent Non-Executive Director | 2.58yrs | US$425.00k | 0.00042% $ 194.9k | |
| Independent Non-Executive Director | 6.08yrs | US$575.00k | 0.0048% $ 2.2m | |
| Vice Chairman & Senior Independent Director | no data | US$775.00k | 0.00088% $ 408.4k |
5.3yrs
Average Tenure
62yo
Average Age
Experienced Board: UBSG's board of directors are considered experienced (5.3 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: CHF46.410b
- Shares outstanding: 3.59b
- 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 | XTRA (XETRA Trading Platform) | Yes | Registered Shares | DE | EUR | 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 |
| 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 to private, institutional and corporate client worldwide. It operates through four divisions: Global Wealth Management,...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/12/04 18:04 |
| End of Day Share Price | 2020/12/04 00:00 |
| Earnings | 2020/09/30 |
| Annual Earnings | 2019/12/31 |
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.