UBS Group Balance Sheet Health
Financial Health criteria checks 5/6
UBS Group has total assets of $1,565.0B and total equity of $85.6B. Total deposits are $745.8B, and total loans are $580.0B earning a Net Interest Margin of 0.6%. It has insufficient allowance for bad loans, which are currently at 1.1% of total loans. Cash and short-term investments are $567.9B.
Key information
18.3x
Asset to equity ratio
0.6%
Net interest margin
| Total deposits | US$745.78b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 1.1% |
| Allowance for bad loans | Low |
| Current ratio | Low |
| Cash & equivalents | US$567.95b |
Recent financial health updates
No updates
Recent updates
UBS Group: Regulatory Overhang Dampens Q4 Earnings Beat
Feb 04UBS Group: No Signs Of The Next Leg Up
Dec 27UBS: Post-Merger With Credit Suisse Smoothe As Swiss Chocolate, As Share Price Climbs
Oct 25UBS: Happy I Went Long, But Time To Downgrade
Aug 15UBS Group: Why I Won't Buy This Rally
Jun 17UBS: Benefits Of Credit Suisse Deal Starting To Show
May 08UBS: To Play It Safe
Apr 20Momentum Has Shown That Despite The Risks, UBS Is A Worthy Investment (Rating Upgrade)
Jan 25UBS: Mixed Q3 Earnings, Hold
Nov 10UBS Q2 Earnings: Lot More To Do
Aug 31UBS: The Thrill Of Risk And Potential Reward, But Wait For Earnings
Jul 17UBS Group: Resume With An Equal-Weight Valuation
Jul 06Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: UBS's Assets to Equity ratio (18.3x) is moderate.
Allowance for Bad Loans: UBS has a low allowance for bad loans (47%).
Low Risk Liabilities: 50% of UBS's liabilities are made up of primarily low risk sources of funding.
Loan Level: UBS has an appropriate level of Loans to Assets ratio (37%).
Low Risk Deposits: UBS's Loans to Deposits ratio (78%) is appropriate.
Level of Bad Loans: UBS has an appropriate level of bad loans (1.1%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/02/07 23:34 |
| End of Day Share Price | 2025/02/07 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
UBS Group AG is covered by 49 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Dieter Hein | AlphaValue |
| Reto Amstalden | Baader Helvea Equity Research |
| Ignacio Mendez Terroso | Banco Santander |