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UBSUBS Group AG
$51.44$168.6B
Overview & Verdict
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UBS logoUBS Group AG(UBS)Earnings, Financials & Key Ratios

UBS•NYSE•Banking & Credit
$51.44
21.8× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryDiversified BanksSub-IndustryWealth and private banking focused banks
AboutUBS Group AG provides financial advice and solutions to private, institutional, and corporate clients worldwide. It operates through four divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, and Investment Bank. The Global Wealth Management division offers investment advice and solutions, and lending solutions to ultra high net worth and high net worth clients. This segment also provides estate and wealth planning, investing, philanthropy, corporate and banking, and family advisory services, as well as mortgage, securities-based, and structured lending solutions. The Personal & Corporate Banking division provides personal banking products and services, such as deposits, cards, and online and mobile banking, as well as lending, investments, and retirement services; and corporate and institutional solutions, including equity and debt capital markets, syndicated and structured credit, private placements, leasing, traditional financing, trade and export finance, and global custody solutions, as well as transaction banking solutions for payment and cash management. The Asset Management division offers equities, fixed income, hedge funds, real estate and private markets, indexed and alternative beta strategies, asset allocation and currency investment strategies, customized multi-asset solutions, advisory and fiduciary services, and multi-manager hedge fund solutions and advisory services. The Investment Bank division advises clients on strategic business opportunities and helps them raise capital to fund their activities; enables its clients to buy, sell, and finance securities on capital markets and to manage their risks and liquidity; and offers clients differentiated content on major financial markets and securities. 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 based in Zurich, Switzerland.Show more
  • Net Interest Income$6.14B-4.8%
  • Total Revenue$73.84B-0.5%
  • Net Income$7.77B+68.2%
  • Return on Equity8.82%+64.6%
  • Net Interest Margin0.38%-7.9%
  • Efficiency Ratio64.05%+36.2%
  • ROA0.49%+73.5%
  • Equity / Assets5.59%+2.3%
  • Book Value per Share27.37+7.2%

UBS Price & Volume

UBS Group AG (UBS) stock price & volume — 10-year historical chart

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Integration Complexity Weighs On UBS Earnings Stability

Investment Thesis • Updated 2025Q4

VerdictNeutral
Growth:Mixed
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:Credit Suisse integration complexity

Key Thesis Takeaways

  • UBS is currently navigating the complex operational integration of Credit Suisse, which has resulted in significant earnings volatility and fluctuating efficiency ratios.
  • While the firm maintains a robust liquidity position with $209.9 billion in cash and bank balances, the path to sustained profitability remains challenged by integration-related overhead and credit risk management.
  • Investors should monitor the firm's ability to stabilize its net interest income, which recently saw a low of $1.4 billion in 2024Q2, against the backdrop of its heavy reliance on fee-based revenue streams.

Verdict Logic

while the firm holds a significant $209.9 billion liquidity pool, the current P/E of 20.80 and the ongoing integration-related earnings volatility warrant a cautious wait-and-see approach.

UBS Growth Metrics

UBS Group AG (UBS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years7.3%
5 Years18.15%
3 Years26.1%
TTM-

Profit CAGR

10 Years-
5 Years6.05%
3 Years3.27%
TTM38.42%

EPS CAGR

10 Years3.58%
5 Years5.92%
3 Years1.6%
TTM51.66%

Return on Capital

10 Years1.79%
5 Years2.13%
3 Years2.22%
Last Year1.5%

UBS Recent Earnings

UBS Group AG (UBS) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 8/12 qtrs (73%)
Q2 2026Latest
Apr 29, 2026
Metric
Actual
Est
EPS
$0.94+10.6%
$0.85
Rev
$13.6B+3.7%
$13.2B
Q1 2026
Feb 4, 2026
Metric
Actual
Est
EPS
$0.37+48.0%
$0.25
Rev
$12.2B+4.2%
$11.7B
Q4 2025
Oct 29, 2025
Metric
Actual
Est
EPS
$0.76+55.9%
$0.49
Rev
$12.2B+2.3%
$11.9B
Q3 2025
Jul 30, 2025
Metric
Actual
Est
EPS
$0.72+2.9%
$0.70
Rev
$18.3B+92.1%
$9.5B
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 29, 2026
$0.94vs $0.85+10.6%
$13.6Bvs $13.2B+3.7%
Q1 2026Feb 4, 2026
$0.37vs $0.25+48.0%
$12.2Bvs $11.7B+4.2%
Q4 2025Oct 29, 2025
$0.76vs $0.49+55.9%
$12.2Bvs $11.9B+2.3%
Q3 2025Jul 30, 2025
$0.72vs $0.70+2.9%
$18.3Bvs $9.5B+92.1%
Based on last 12 quarters of dataView full earnings history →

Latest UBS News

Recent stock market news and headlines for UBS Group AG (UBS)

Business Wire·1 day ago
UBS Declares Coupon Payments on 12 ETRACS Exchange Traded Notes

NEW YORK--(BUSINESS WIRE)--UBS Investment Bank today announced coupon payments for 9 ETRACS Exchange Traded Notes traded on the NYSE Arca and expected coupon payments for 3 ETRACS Exchange Traded Notes traded on NASDAQ (together, the “ETNs”). NYSE Ticker ETN Name and Prospectus Supplementa Coupon Valuation Date Ex-Date Record Date Payment Date Coupon Amount Payment Schedule Current Yield (annualized) MLPBb ETRACS Alerian MLP Infrastructure Index ETN Series B 6/30/2026 7/14/2026 7/14/2026 7/22/2.

Zacks Investment Research·1 day ago
UBS to Pilot U.S. Banking Services Ahead of Wealth Client Rollout

UBS Group prepares to pilot everyday banking services for U.S. employees before expanding the offering to wealth management clients.

Proactive Investors·1 day ago
European airlines could have further to fly as lower fuel costs boost outlook, says UBS

British Airways owner International Consolidated Airlines Group SA (LSE:IAG) and other European airline shares could have further to rise as lower fuel costs and resilient travel demand improve the sector's earnings outlook heading into the second half of the year, according to UBS. The Swiss bank said investors had become more constructive on the sector over the past month, helped by a sharp decline in oil prices and growing confidence that consumers remain willing to spend on travel despite economic uncertainty.

24/7 Wall Street·1 day ago
SanDisk Rebounds 5%, Western Digital Gains 5%, Micron Climbs 3% as UBS, Citi, BofA Turn Bullish on Memory

Memory names are ripping higher in early Monday trading. SanDisk (NASDAQ:SNDK | SNDK Price Prediction) stock is up 5% to $1,836, Western Digital (NASDAQ:WDC) shares are up 5% to $565.33, and Micron Technology (NASDAQ:MU) stock is up 3% to $1,008.77.

PYMNTS·5 days ago
UBS Plans to Launch Banking Services For Wealthy Americans

Swiss bank UBS is reportedly planning to launch a bank for wealthy Americans. As part of that effort, the lender is months away from trialling everyday banking services for its employees in the U.S., according to a Thursday report from the Financial Times (FT).

Peers Comparison

Key metrics vs top competitors for UBS Group AG (UBS)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
UBS logoUBSUBS Group AGCurrent
$51.44$168.61B21.80-0.51%10.52%8.82%1.34%
MS logoMSMorgan Stanley
$222.04$350.22B21.7711.48%15.13%16.22%—
GS logoGSThe Goldman Sachs Group, Inc.
$1042.98$321.24B20.32-1.38%16.31%14.31%—
BAC logoBACBank of America Corporation
$59.86$424.8B15.67-0.45%18.13%10.5%—
C logoCCitigroup Inc.
$140.75$241.37B20.14-1.41%9.34%7.49%—
JPM logoJPMJPMorgan Chase & Co.
$339.22$908.94B16.923.31%20.66%16.32%—

Compare UBS vs Peers

UBS Group AG (UBS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs MS

Most directly comparable listed peer for UBS.

Scale Benchmark

vs JPM

Larger-name benchmark to compare UBS against a more recognizable public peer.

Peer Set

Compare Top 5

vs MS, GS, BAC, C

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UBS Frequently Asked Questions

UBS Group AG (UBS) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is UBS Group AG growing?

UBS Group AG (UBS) saw revenue decline by 0.5% over the past year.

Is UBS profitable?

Yes, UBS Group AG (UBS) is profitable, generating $6.27B in net income for fiscal year 2025 (10.5% net margin).

Dividend & Returns
Does UBS pay dividends?

Yes, UBS Group AG (UBS) pays a dividend with a yield of 1.34%. This makes it attractive for income-focused investors.

What is UBS's return on equity?

UBS Group AG (UBS) has a return on equity (ROE) of 8.8%. This is below average, suggesting room for improvement.

Industry Metrics
What is UBS Group AG's net interest margin?

UBS Group AG (UBS) has a net interest margin (NIM) of 0.4%. NIM has been under pressure due to interest rate environment.

What is UBS Group AG's efficiency ratio?

UBS Group AG (UBS) has an efficiency ratio of 64.0%. This is reasonable for a bank.

What if you invested $1,000 in UBS back in 1999?

Total return calculator · dividends reinvested · 27+ years of data

See returns →