UBS Group AGUBS
NYSE•Financial Services•Banks - Diversified
UBS Group AG operates as a wealth manager and bank worldwide. It operates through five segments: Global Wealth Management, Personal & Corporate Banking, Asset Management, Investment Bank, and Non-Core and Legacy. The Global Wealth Management segment offers financial services, advice, and solutions; investment management, estate planning, and corporate advice services; and wealth management and banking products and services to private wealth and institutional customers. Its Personal & Corporate Banking segment provides banking, retirement, financing, investments, and strategic transactions to private, corporate, and institutional customers through its branch network and digital channels in Switzerland. The Asset Management segment offers diversified asset management services. Its Investment Bank segment provides equities, foreign exchange, precious metals, research, advisory, and capital markets services to institutional, corporate, financial sponsor, and Global Wealth Management customers, as well as focused rates and credit platform. The company also offers lending products, such as securities-based lending, mortgages, structured products, and tailored solutions; collateralized lending residential and commercial real estate, primarily against securities, residential and commercial real estate, other real assets (such as ships and aircraft), private market and hedge fund interest; and unsecured lending. 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.
UBS Group AG Registered (UBS) reported trailing twelve months revenue of $92.02B as of June 2025, a 30.2% increase year-over-year. Quarterly revenue reached $12.11B, reflecting continued top-line momentum.
UBS Group AG Registered generated $6.54B in TTM net income, with quarterly EBITDA of $13.87B. The operating margin contracted from 100.0% to 100.0%, suggesting rising cost pressures or pricing headwinds.
The spread between operating margin (100.0%) and net margin (19.8%) indicates significant non-operating expenses or interest burden. Net margin has narrowed from 302.7% a year ago, reflecting increased costs or interest expense.
UBS trades at a P/E of 16.5x (in line with broad market averages) and a P/S of 1.2x. The price-to-book ratio of 1.2x reflects a moderate premium to book value.
The company generated $19.78B in free cash flow over the trailing twelve months, a 17.5% increase year-over-year, indicating strong cash generation ability. The balance sheet shows $1.67T in total assets with $189.41B in long-term debt against $89.28B in stockholders equity for a debt-to-equity ratio of 2.1, a relatively leveraged position. Data based on the most recent quarterly reports.
Competitive analysis based on 16 quarters of fundamental data
Operating margins are stable at ~100.0%, suggesting durable pricing power and cost discipline.
ROE averages 31.6% but has fluctuated — the competitive advantage may be cyclical or emerging.
6 of the last 8 quarters generated positive FCF. The company generally funds itself but has occasional cash consumption quarters.
TTM revenue has grown consistently (7 of 7 quarters up), with ~35.5% growth over the period. Strong demand durability.
Data-driven red flags and warnings across 16 quarters
Margins are stable or improving at ~100.0% — no sign of cost or pricing stress.
FCF/Net Income has dropped below 0.7x in 4 quarters — monitor for earnings quality deterioration.
D/E ratio of 2.1 is elevated. Monitor for further debt accumulation.
Revenue is stable or growing over recent quarters — demand appears durable.
FCF turned negative in 2 of the last 8 quarters — occasional cash consumption.
Shares decreased 8.3% — net buybacks are reducing shares outstanding and boosting per-share value.
Quarterly standardized metrics.
Stock price and market valuation
Revenue and earnings growth across quarters
Assets, cash, debt, and leverage
Price multiples and return ratios
Operating efficiency and return metrics
Free cash flow, earnings quality, and capital allocation