UBS Group
Market Cap
CHF38.2b
Last Updated
2020/06/03 00:25 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.
Rewards
Risk Analysis
Snowflake Analysis
Proven track record with adequate balance sheet.
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's share price has been volatile over the past 3 months.
Market Performance
7 Day Return
2.4%
UBSG
4.6%
CH Capital Markets
1.0%
CH Market
1 Year Return
-8.5%
UBSG
-9.0%
CH Capital Markets
3.2%
CH Market
Return vs Industry: UBSG exceeded the Swiss Capital Markets industry which returned -9.6% over the past year.
Return vs Market: UBSG underperformed the Swiss Market which returned 2.5% over the past year.
Shareholder returns
| UBSG | Industry | Market | |
|---|---|---|---|
| 7 Day | 2.4% | 4.6% | 1.0% |
| 30 Day | 9.4% | 6.9% | 3.5% |
| 90 Day | 4.7% | -2.6% | -3.5% |
| 1 Year | -5.0%-8.5% | -6.3%-9.0% | 6.6%3.2% |
| 3 Year | -21.4%-31.0% | -19.1%-26.7% | 18.5%6.4% |
| 5 Year | -34.2%-48.0% | -37.3%-49.5% | 30.6%8.9% |
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 week ago | Simply Wall St
Such Is Life: How UBS Group (VTX:UBSG) Shareholders Saw Their Shares Drop 53%1 month ago | Simply Wall St
Be Sure To Check Out UBS Group AG (VTX:UBSG) Before It Goes Ex-Dividend1 month ago | Simply Wall St
What Kind Of Shareholder Owns Most UBS Group AG (VTX:UBSG) Stock?Valuation
Is UBS Group undervalued compared to its fair value and its price relative to the market?
8.49x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: UBSG (CHF10.67) is trading above our estimate of fair value (CHF9.77)
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 (8.5x) compared to the Capital Markets industry average (19.1x).
PE vs Market: UBSG is good value based on its PE Ratio (8.5x) compared to the Swiss market (19.1x).
Price to Earnings Growth Ratio
PEG Ratio: UBSG is poor value based on its PEG Ratio (1.3x)
Price to Book Ratio
PB vs Industry: UBSG is good value based on its PB Ratio (0.7x) 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 14 analysts?
6.5%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: UBSG's forecast earnings growth (6.5% per year) is above the savings rate (-0.2%).
Earnings vs Market: UBSG's earnings (6.5% per year) are forecast to grow slower than the Swiss market (8.5% per year).
High Growth Earnings: UBSG's earnings are forecast to grow, but not significantly.
Revenue vs Market: UBSG's revenue (1.8% per year) is forecast to grow slower than the Swiss market (2.4% per year).
High Growth Revenue: UBSG's revenue (1.8% 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 (7.2%).
Next Steps
Past Performance
How has UBS Group performed over the past 5 years?
-9.1%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: UBSG has high quality earnings.
Growing Profit Margin: UBSG's current net profit margins (16.1%) are higher than last year (13.9%).
Past Earnings Growth Analysis
Earnings Trend: UBSG's earnings have declined by -9.1% per year over the past 5 years.
Accelerating Growth: UBSG's earnings growth over the past year (16.3%) exceeds its 5-year average (-9.1% per year).
Earnings vs Industry: UBSG earnings growth over the past year (16.3%) exceeded the Capital Markets industry 15%.
Return on Equity
High ROE: UBSG's Return on Equity (8.2%) 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 (18.9x) is moderate.
Allowance for Bad Loans: UBSG has a low allowance for bad loans (49%).
Low Risk Liabilities: 55% 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 (31%).
Low Risk Deposits: UBSG's Loans to Deposits ratio (73%) is appropriate.
Level of Bad Loans: UBSG has an appropriate level of bad loans (0.6%).
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Dividend
What is UBS Group's current dividend yield, its reliability and sustainability?
3.29%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: UBSG's dividend (3.29%) is higher than the bottom 25% of dividend payers in the Swiss market (1.91%).
High Dividend: UBSG's dividend (3.29%) is low compared to the top 25% of dividend payers in the Swiss market (3.93%).
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 8 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (27.9%), 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 covered by earnings (60.4% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
4.4yrs
Average management tenure
CEO
Sergio Ermotti (59yo)
5.58yrs
Tenure
US$12,509,401
Compensation
Mr. Sergio P. Ermotti has been Non-Executive Independent Director at Swiss Re AG since April 17, 2020. He has been Group Chief Executive Officer of UBS Group AG since November 2014 and its Member of Group ...
CEO Compensation Analysis
Compensation vs Market: Sergio's total compensation ($USD13.02M) is above average for companies of similar size in the Swiss market ($USD6.55M).
Compensation vs Earnings: Sergio's compensation has been consistent with company performance over the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Group CEO & Chairman of Executive Board | 5.58yrs | US$12.51m | 0.11% $42.8m | |
| Group CFO & Member of Executive Board | 4.42yrs | no data | 0.018% $7.1m | |
| Co-President of Investment Bank & Member of Executive Board | 1.67yrs | no data | 0.029% $11.0m | |
| Group Chief Compliance & Governance Officer and Member of Group Executive Board | 1.58yrs | no data | 0.0079% $3.0m | |
| Co-President of Global Wealth Management | 9yrs | no data | 0.053% $20.5m | |
| Group General Counsel & Member of the Group Executive Board | 11.75yrs | no data | 0.032% $12.3m | |
| President of Personal & Corp Banking | 4.42yrs | no data | 0.022% $8.5m | |
| President of UBS Asia Pacific & Member of Executive Board | 1.42yrs | no data | 0.016% $6.0m | |
| Group COO | 4.42yrs | no data | 0.021% $7.9m | |
| Co-President of Investment Bank & Member of Executive Board | 1.67yrs | no data | 0.030% $11.4m |
4.4yrs
Average Tenure
58.5yo
Average Age
Experienced Management: UBSG's management team is considered experienced (4.4 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Chairman of Spain | no data | no data | no data | |
| CEO of Spain Operations | 10.75yrs | no data | no data | |
| Chairman of the UBS Culture Foundation and Vice Chairman of Wealth Management & Swiss Bank | 10.42yrs | no data | no data | |
| Independent Non-Executive Director | 3.08yrs | US$925.00k | 0.0013% $493.3k | |
| Independent Non-Executive Director | 5.58yrs | US$625.00k | 0.0035% $1.3m | |
| Chairman of the Board | 5.58yrs | US$5.24m | 0.026% $10.0m | |
| Independent Non-Executive Director | 4.08yrs | US$625.00k | 0.0017% $642.5k | |
| Non-Executive Director | 0.17yr | no data | no data | |
| Independent Non-Executive Director | 5.58yrs | US$575.00k | 0.0048% $1.8m | |
| Independent Non-Executive Director | 2.08yrs | US$775.00k | 0.00088% $336.5k |
5.6yrs
Average Tenure
61yo
Average Age
Experienced Board: UBSG's board of directors are considered experienced (5.6 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: CHF38.242b
- Shares outstanding: 3.58b
- 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 |
| SMMPR | SWX (SIX Swiss Exchange) | NTS PERP CHF1 | 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 to private, institutional and corporate client worldwide. It operates through four divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, and Investment Bank. The Global Wealth Management division offers investment advisory and solutions to private clients, and high and ultra high net worth clients. This segment provides corporate and banking, lending, wealth planning, investing, lending, asset protection, and philanthropy services, as well as family office services. The Personal & Corporate Banking division provides financial products and services to private, corporate, and institutional clients. The Asset Management division offers investment products and services comprising equities, fixed income products, hedge funds, real estate and private markets, indexed and alternative beta strategies, and asset allocation and currency investment strategies; customized multi-asset, advisory, and fiduciary services; multi-manager hedge fund solutions and advisory services; and fund corporate governance and white-labeling services. The Investment Bank division provides advisory, debt and equity capital market, and financing solutions; and market lending services for global wealth management, personal and corporate banking, and asset management businesses serving the corporate, institutional, and wealth management clients. This division also offers cash, derivatives, and financing; foreign exchange, precious metals, rates, and credit; and securities research services. The company was formerly known as UBS AG and changed its name to UBS Group AG in December 2014. UBS Group AG was founded in 1862 and is headquartered in Zurich, Switzerland.
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/06/03 00:25 |
| End of Day Share Price | 2020/06/02 00:00 |
| Earnings | 2020/03/31 |
| 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.