UBS Group AG (UBS) AI Stock Analysis

UBS Group AG is a global provider of financial services catering to private, institutional, and corporate clients worldwide. The company operates through four primary divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, and Investment Bank. Global Wealth Management delivers financial advice, investment solutions, and wealth planning to high net worth and ultra high net worth clients. Personal & Corporate Banking provides personal banking products alongside corporate lending and custody solutions. Asset Management offers investment strategies across equities, fixed income, hedge funds, real estate, and private markets, while the Investment Bank provides advisory, advisory services, and capital markets execution.

Between FY2020 and FY2025, UBS posted a 5-year revenue compound annual growth rate of 18.2%. Revenue grew from $35.03B in FY2021 to $57.38B in FY2023 and $74.22B in FY2024, before edging down 0.5% to $73.84B in FY2025. Annual net income was $6.82B in FY2021, reached $23.41B in FY2023, and normalized to $7.77B in FY2025 with an operating margin of 12.0%. Over the trailing twelve months, revenue reached $53.04B with a profit margin of 17.9% and diluted EPS of $2.94. In the latest quarter ended June 30, 2026, quarterly revenue grew 14.6% year-over-year while quarterly earnings expanded 20.6%.

As of June 30, 2026, UBS held $367.55B in cash and short-term investments against total debt of $375.26B, resulting in net debt of $7.71B. Total assets stood at $1.71T against shareholders' equity of $89.17B, with a debt-to-equity ratio of 4.21 and a current ratio of 0.39. In FY2025, operating cash flow reached $17.33B and free cash flow was $15.46B. Capital allocation during FY2025 included $1.87B in capital expenditures, $4.11B in share buybacks, and $2.27B in dividends paid, contributing to a 10.4% reduction in share count over 5 years.

At $47.68 per share, UBS has a market capitalization of $145.98B and an enterprise value of $170.09B. Its trailing price-to-earnings ratio of 16.2x sits above the 12.1x median of its US-listed Financial Services peers, while its forward P/E of 11.6x compares to the peer median of 10.8x. The stock trades at a price-to-sales multiple of 2.8x compared to the peer median of 3.2x, alongside a PEG ratio of 0.68. Over the past year, UBS shares gained 25.9%, outperforming the 16.8% return of the S&P 500 (SPY). Over five years, the stock advanced 225.7% compared to 83.0% for the index.

UBS offers a forward annual dividend of $1.10 per share, representing a dividend yield of 2.31% with a payout ratio of 32.2%. The company has paid dividends for 15 consecutive years. Over the past 5 years, the annualized dividend growth rate was -1.5%. The last ex-dividend date was April 22, 2026.

Wall Street analyst coverage consists of 1 Strong Buy and 2 Holds. The mean price target is $55.03, representing a 15.4% premium over the last close of $47.68. For the fiscal year ending December 31, 2026, consensus estimates anticipate revenue of $43.97B and EPS of $3.41, representing 13.3% EPS growth. For the following fiscal year, 3 analysts project revenue of $45.25B and EPS of $4.08. UBS beat earnings estimates in 2 of the last 4 quarters, and the next earnings date is October 28, 2026.

This page is an AI-written research summary of UBS Group AG (UBS). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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