UBS Group AG (UBS) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 | Q1'21 |
|---|
| Net Interest Income | 1.72B | 1.58B | 1.56B | 1.39B | 1.67B | 1.54B | 1.38B | 1.75B | 1.79B | 1.93B | 1.53B | 1.27B | 1.47B | 1.57B | 1.59B | 1.64B | 1.62B | 1.58B | 1.5B | 1.52B |
| NII Growth % | 3.21% | 2.54% | 13.32% | -20.88% | -6.86% | -20.39% | -9.82% | 37.91% | 21.95% | 22.7% | -4% | -22.39% | -9.26% | -0.16% | 6.16% | 7.96% | 13.03% | 12.93% | 13.9% | 17.45% |
| Net Interest Margin % | 0.11% | 0.1% | 0.09% | 0.09% | 0.12% | 0.09% | 0.09% | 0.11% | 0.1% | 0.12% | 0.09% | 0.12% | 0.13% | 0.14% | 0.14% | 0.14% | 0.14% | 0.14% | 0.14% | 0.14% |
| Interest Income | 6.64B | 6.81B | 6.98B | 7.3B | 8.83B | 9.27B | 9.76B | 10.55B | 9.87B | 10.26B | 6.8B | 4.76B | 4.2B | 3.31B | 2.62B | 2.36B | 2.32B | 2.34B | 2.27B | 2.3B |
| Interest Expense | 4.91B | 5.24B | 5.42B | 5.92B | 7.16B | 7.73B | 8.38B | 8.79B | 8.08B | 8.33B | 5.27B | 3.49B | 2.73B | 1.73B | 1.02B | 723.77M | 702M | 764.71M | 771.01M | 784.61M |
| Loan Loss Provision | 126.11M | 81.14M | 129.51M | 85.16M | 207.87M | 103.72M | 85.47M | 95.86M | 116.34M | 219.09M | 558.13M | 34.78M | 6.47M | -2.96M | 6.7M | 16.66M | -24.68M | -13.02M | -73.78M | -26.37M |
| Non-Interest Income | 7.95B | 7.92B | 7.57B | 8.61B | 8.37B | 8.29B | 8.58B | 9.04B | 7.12B | 7.83B | 6.99B | 6.69B | 5.92B | 6.27B | 6.13B | 7.05B | 6.35B | 6.81B | 6.7B | 6.65B |
| Non-Interest Income % | 54.52% | 53.75% | 52.04% | 54.11% | 48.68% | 47.21% | 46.78% | 46.17% | 41.91% | 43.28% | 50.7% | 58.42% | 58.48% | 65.46% | 70.08% | 74.89% | 73.23% | 74.42% | 74.69% | 74.3% |
| Total Revenue | 14.59B | 14.74B | 14.55B | 15.92B | 17.2B | 17.56B | 18.35B | 19.59B | 16.99B | 18.08B | 13.79B | 11.45B | 10.11B | 9.57B | 8.75B | 9.41B | 8.67B | 9.15B | 8.97B | 8.96B |
| Revenue Growth % | -15.16% | -16.09% | -20.68% | -18.76% | 1.24% | -2.89% | 33.07% | 71.06% | 67.94% | 88.95% | 57.61% | 21.75% | 16.68% | 4.58% | -2.53% | 5.04% | 8.61% | 7.45% | 5.37% | -6.87% |
| Non-Interest Expense | 8.2B | 7.17B | 7.26B | 8.1B | 8.88B | 8.07B | 8.55B | 8.55B | 9.44B | 9.71B | -16.85B | 6.56B | 5.59B | 5.55B | 5.21B | 6.14B | 6.41B | 5.73B | 5.89B | 6.03B |
| Efficiency Ratio | 56.21% | 48.63% | 49.92% | 50.88% | 51.65% | 45.95% | 46.63% | 43.66% | 55.56% | 53.68% | -122.22% | 57.27% | 55.24% | 58.02% | 59.59% | 65.28% | 73.96% | 62.66% | 65.58% | 67.36% |
| Operating Income | 1.35B | 2.25B | 1.74B | 1.82B | 950.4M | 1.65B | 1.32B | 2.15B | -642.43M | -168.67M | 24.81B | 1.37B | 1.79B | 2.29B | 2.5B | 2.53B | 1.58B | 2.67B | 2.39B | 2.16B |
| Operating Margin % | 9.24% | 15.27% | 11.97% | 11.41% | 5.53% | 9.42% | 7.2% | 10.97% | -3.78% | -0.93% | 179.97% | 11.95% | 17.7% | 23.91% | 28.62% | 26.85% | 18.23% | 29.12% | 26.65% | 24.17% |
| Operating Income Growth % | 41.87% | 36.06% | 31.85% | -15.5% | 247.94% | 1080.31% | -94.67% | 57.01% | -135.88% | -107.37% | 891.1% | -45.82% | 13.29% | -14.13% | 4.68% | 16.69% | -9.83% | 12.53% | 59.96% | 10.96% |
| Pretax Income | 1.35B | 2.25B | 1.74B | 1.82B | 950.4M | 1.65B | 1.32B | 2.15B | -642.43M | -168.67M | 24.81B | 1.37B | 1.79B | 2.29B | 2.5B | 2.53B | 1.58B | 2.67B | 2.39B | 2.16B |
| Pretax Margin % | 9.24% | 15.27% | 11.97% | 11.41% | 5.53% | 9.42% | 7.2% | 10.97% | -3.78% | -0.93% | 179.97% | 11.95% | 17.7% | 23.91% | 28.62% | 26.85% | 18.23% | 29.12% | 26.65% | 24.17% |
| Income Tax | 392.61M | 271.27M | -166.06M | 366.19M | 243.27M | 430.31M | 263.6M | 553.43M | -404.62M | 482.19M | 323.41M | 420.15M | 258.83M | 571.45M | 475.8M | 541.44M | 338.2M | 535.86M | 535.83M | 443.64M |
| Effective Tax Rate % | 29.12% | 12.06% | -9.53% | 20.17% | 25.6% | 26.02% | 19.95% | 25.76% | 62.98% | -285.87% | 1.3% | 30.7% | 14.46% | 24.97% | 19.01% | 21.44% | 21.4% | 20.1% | 22.41% | 20.5% |
| Net Income | 950.99M | 1.97B | 1.9B | 1.44B | 698.96M | 1.22B | 1.02B | 1.59B | -238.67M | -655.45M | 24.49B | 941.9M | 1.53B | 1.71B | 2.02B | 1.98B | 1.23B | 2.12B | 1.85B | 1.72B |
| Net Margin % | 6.52% | 13.39% | 13.08% | 9.05% | 4.06% | 6.96% | 5.57% | 8.1% | -1.41% | -3.62% | 177.6% | 8.22% | 15.11% | 17.84% | 23.07% | 21.02% | 14.21% | 23.18% | 20.61% | 19.18% |
| Net Income Growth % | 36.06% | 61.58% | 86.37% | -9.21% | 392.86% | 286.36% | -95.83% | 68.49% | -115.62% | -138.39% | 1113.31% | -52.36% | 24.01% | -19.5% | 9.08% | 15.07% | -14.7% | 10.25% | 58.77% | 10.88% |
| Net Income (Continuing) | 955.75M | 2.49B | 2.4B | 1.45B | 707.13M | 1.22B | 1.06B | 1.6B | -237.81M | -650.86M | 27.33B | 948.31M | 1.53B | 1.72B | 2.03B | 1.98B | 1.24B | 2.13B | 1.86B | 1.72B |
| EPS (Diluted) | 0.29 | 0.75 | 0.72 | 0.53 | 0.23 | 0.42 | 0.34 | 0.52 | -0.07 | -0.22 | 8.51 | 0.32 | 0.50 | 0.52 | 0.61 | 0.61 | 0.38 | 0.63 | 0.55 | 0.49 |
| EPS Growth % | 26.09% | 78.57% | 111.76% | 1.92% | 408.31% | 290.91% | -96% | 62.5% | -114.92% | -142.31% | 1295.08% | -47.54% | 31.58% | -17.46% | 10.91% | 24.49% | -13.64% | 12.5% | 66.67% | 13.95% |
| EPS (Basic) | 0.29 | 0.79 | 0.75 | 0.53 | 0.24 | 0.44 | 0.35 | 0.53 | -0.07 | -0.22 | 8.87 | 0.33 | 0.53 | 0.54 | 0.64 | 0.63 | 0.39 | 0.66 | 0.57 | 0.52 |
| Diluted Shares Outstanding | 3.31B | 3.31B | 3.31B | 3.33B | 3.34B | 3.34B | 3.36B | 3.37B | 3.23B | 3.23B | 3.36B | 3.21B | 3.28B | 3.35B | 3.43B | 3.53B | 3.57B | 3.61B | 3.64B | 3.69B |