Is UBS Group financially healthy?

On 30 September 2026 UBS Group held 354.69B USD in cash and short-term investments against total debt of 346.03B USD. Its current ratio is 0.38: what falls due within a year against what turns into cash within a year.

Is UBS Group growing?

UBS Group's revenue grew 18.2% a year over its last five fiscal years, from 32.07B USD in fiscal year 2020 to 73.84B USD in fiscal year 2025. Over the last twelve months it was up 4.6% on the twelve months before.

Where can I find UBS Group's annual report (20-F)?

UBS Group, a company based outside the US, files its annual report (Form 20-F) and its interim reports (Form 6-K) with the US Securities and Exchange Commission, on its EDGAR site; the figures on these pages come from them.

UBS Group
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UBS

Arincen ScoreBeta57/100

57/100B

47.765

USD

-1.00

(-2.04%)

Post Trading·48.270USD+0.505(+1.06%)

Last updated: 9 Nov, 04:00 GMT-5 · Delayed 15 min

Fair valueNot reliable

Q4 FY2026 · Earnings report

EPS estimate 0.88Revenue estimate 13.00B

Q4 FY2026 · Earnings report

Wednesday 3 February

EPS estimate 0.88Revenue estimate 13.00B

Fair valueNot reliable

Q4 FY2026 · Earnings report

EPS estimate 0.88Revenue estimate 13.00B

Q4 FY2026 · Earnings report

Wednesday 3 February

EPS estimate 0.88Revenue estimate 13.00B

Overview Financials Forecast Earnings Dividends Company

UBS Group financials

Yes. UBS Group earned 9.65B USD of net income over the last twelve months, 12.6% of its revenue. It made a profit in 9 of its 27 fiscal years since 1999. Its last loss was in fiscal year 2017.

Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.: 76.36B USD
Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.: 9.65B USD
Cash and short-term investments: 354.69B USD
Total debt: 346.03B USD
Shareholders' equityWhat is a balance sheet? The balance sheet lists what a company owns (assets), what it owes (liabilities) and what is left for its shareholders (equity) on one date.: 88.61B USD

Cash, debt and equity as of 30 Sept 2026.

UBS Group earnings

Next earnings · Q4 FY2026

3 Feb 2027

EPS estimate

0.88 USD

Revenue estimate

13.00B USD

Last quarter · Q3 FY2026

EPS0.85Missed -6.6%Revenue13.39BBeat +2.4%

Revenue

ReportedEstimate

EPS

ReportedEstimate

Period	Report date	EPS estimate	Reported EPS	Surprise	EPS growth	Revenue estimate	Reported revenue	Surprise	Revenue growth
Q4 FY2026	3 Feb 2027	0.88	—	—	+137.84%	13.00B	—	—	+6.60%
Q3 FY2026	28 Oct 2026	0.91	0.85	-6.59%	+11.84%	13.07B	13.39B	+2.41%	+9.74%
Q2 FY2026	29 Jul 2026	0.90	0.87	-3.33%	+20.83%	13.40B	13.35B	-0.40%	+15.61%
Q1 FY2026	29 Apr 2026	0.85	0.94	+10.59%	+84.31%	13.16B	13.64B	+3.65%	+14.62%
Q4 FY2025	4 Feb 2026	0.54	0.37	-31.73%	+60.87%	11.71B	12.20B	+4.20%	+10.31%
Q3 FY2025	29 Oct 2025	0.49	0.76	+55.90%	+76.74%	11.92B	12.20B	+2.32%	+4.52%
Q2 FY2025	30 Jul 2025	0.70	0.72	+2.86%	+111.76%	11.57B	11.55B	-0.20%	-3.01%

Period	EPS estimate	Reported EPS	Surprise	EPS growth	Revenue estimate	Reported revenue	Surprise	Revenue growth
FY2027	4.23	—	—	—	54.87B	—	—	—
FY2025	2.56	2.36	-7.64%	+55.26%	48.46B	47.85B	-1.26%	+2.69%
FY2024	1.68	1.52	-9.79%	—	47.75B	46.60B	-2.42%	+15.34%
FY2023	1.07	-0.03	-102.81%	-101.34%	40.34B	40.40B	+0.15%	+16.94%
FY2022	2.06	2.24	+8.89%	+9.27%	34.31B	34.55B	+0.70%	-3.54%

UBS Group growth and profitability

Full income statement

Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.: 76.36B USD
Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.: 9.65B USD
Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.: 68.49%
Operating margin: 16.53%
Net margin: 12.64%

Revenue / Net income

Revenue Net income Net margin

Period	Revenue	Growth	Net income	Growth	Gross margin	Operating margin	Net margin	EBITDA	Growth
FY2025	73.84B	-0.51%	7.77B	+68.23%	63.34%	11.99%	10.52%	12.38B	+23.95%
FY2024	74.22B	+29.34%	4.62B	-80.28%	55.36%	8.34%	6.22%	9.99B	-63.54%
FY2023	57.38B	+55.83%	23.41B	+231.95%	56.39%	42.12%	40.80%	27.40B	+150.45%
FY2022	36.82B	+5.12%	7.05B	+3.46%	83.45%	24.11%	19.15%	10.94B	+1.41%
FY2021	35.03B	+9.21%	6.82B	+17.73%	91.88%	24.75%	19.46%	10.79B	+15.66%

Period	Revenue	Net income	Gross margin	Operating margin	Net margin
Q3 FY2026	18.85B	2.61B	68.82%	18.49%	13.87%
Q2 FY2026	19.61B	2.80B	69.27%	18.34%	14.28%
Q1 FY2026	19.51B	3.04B	70.23%	19.69%	15.58%
Q4 FY2025	18.39B	1.20B	65.46%	9.24%	6.52%
Q3 FY2025	18.52B	2.48B	63.90%	15.27%	13.39%

How UBS Group makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.

Revenue73.84B 100.0%

Cost of revenue27.07B 36.7%

Gross profit46.77B 63.3%

Selling and administration31.02B 42.0%

Other operating expenses6.90B 9.3%

Operating income8.85B 12.0%

Tax1.06B 1.4%

Other expense30.00M 0.0%

Net income7.77B 10.5%

FY2025, in USD. Each band is as wide as its money; the percentage is its share of revenue.

UBS Group revenue breakdown

By region

FY2025

42.9%Americas38.5%CH19.5%Asia Pacific

Region	Revenue	Share of revenue	Change on the year
Americas	17.60B	42.9%	+4.8%
CH	15.80B	38.5%	+4.6%
Asia Pacific	8.00B	19.5%	+17.6%
Global	-400.00M	-1.0%	-118.2%

Operating and free cash flow

Full cash flow statement

Operating cash flow Free cash flow

Fiscal year	Operating cash flow	Free cash flow
FY2025	17.33B	15.46B
FY2024	3.28B	1.27B
FY2023	86.07B	84.38B
FY2022	14.65B	13.00B
FY2021	31.43B	29.58B
FY2020	36.96B	35.10B
FY2019	19.71B	18.12B
FY2018	28.91B	27.23B
FY2017	-52.27B	-53.90B
FY2016	-16.15B	-17.90B

UBS Group financial health

Full balance sheet

Cash and short-term investments: 354.69B USD
Total debt: 346.03B USD
Net cash: 8.66B USD
Free cash flow (TTM)What is free cash flow (FCF)? Free cash flow is the cash a company's operations bring in minus what it spends on long-term assets (capex): cash left for debt, dividends and buybacks.: 3.80B USD
Current ratioWhat is the current ratio? The current ratio is current assets divided by current liabilities: whether what a company will turn into cash within a year covers what it owes within a year.: 0.38
Debt to equityWhat is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.: 3.90
Piotroski scoreWhat is the Piotroski F-Score? The Piotroski F-Score rates a company's financial strength from 0 to 9: one point for each of nine tests of profit, debt and efficiency it passes.: 6 / 9
Altman Z-scoreWhat is the Altman Z-Score? The Altman Z-Score rolls five financial ratios into one number that signals a company's risk of bankruptcy: over 3 is safe, under 1.8 is distress.: -0.25

Cash, debt and free cash flow

Cash and short-term investments Total debt Free cash flow

Fiscal year	Cash and short-term investments	Total debt	Free cash flow
FY2025	398.43B	356.12B	15.46B
FY2024	227.90B	353.05B	1.27B
FY2023	414.36B	399.50B	84.38B
FY2022	244.38B	212.81B	13.00B
FY2021	329.92B	230.65B	29.58B

Assets, liabilities and equity

Total assets Total liabilities Shareholders' equity

Fiscal year	Total assets	Total liabilities	Shareholders' equity
FY2025	1.62T	1.53T	90.21B
FY2024	1.57T	1.48T	85.08B
FY2023	1.72T	1.63T	86.11B
FY2022	1.10T	1.05T	56.88B
FY2021	1.12T	1.06T	60.66B
FY2020	1.13T	1.07T	59.45B
FY2019	972.19B	917.52B	54.50B
FY2018	958.49B	905.39B	52.93B
FY2017	939.28B	886.73B	52.50B
FY2016	918.91B	865.32B	52.92B

UBS Group valuation

Price to earnings ratio (TTM)What is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.: 15.97
Forward P/E (FY2026)What is the forward P/E ratio? Forward P/E divides a share's price by the earnings per share analysts expect in the coming year, rather than last year's actual earnings.: 12.99
Price to sales (TTM)What is the P/S ratio? The price-to-sales ratio compares a company's market value with its revenue over the last year: what you pay for each dollar of sales.: 1.92
Price to bookWhat is the P/B ratio? The price-to-book ratio compares a company's market value with its book value, the shareholders' equity on its balance sheet.: 1.65
EV / EBITDA (TTM)What is EV/EBITDA? EV/EBITDA compares a company's whole value, debt included and cash taken off, with a year of its earnings before interest, tax and depreciation.: 6.33

Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.

Market capitalization

146.24B USD

Total debt

346.03B USD

−

Cash and short-term investments

354.69B USD

Enterprise value

137.58B USD

Valuation over time

P/EForward P/EEstimate

Fiscal year	P/E	Forward P/E	P/S	P/B	EV/EBITDA
FY2027 (est.)	11.29	—	—	—	—
Now (TTM)	15.97	17.43	1.92	1.65	6.33
FY2025	18.83	17.43	1.99	1.63	23.70
FY2024	19.07	17.43	1.37	1.19	22.90
FY2023	3.72	17.43	1.77	1.18	6.72
FY2022	7.98	17.43	1.72	1.11	9.44
FY2021	8.35	10.24	1.85	1.07	9.32

UBS Group against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.

Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.

Its peers: Citigroup, Wells Fargo &, Bank of America, and JPMorgan Chase &, the US Banks - Diversified companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.

P/E (today)Below its median16.0
3.054.5
Gross marginAt its median63.3%
55.4%91.9%
Against its peers: 2 of 5Peers' median 58.0%
Operating marginBelow its median12.0%
8.3%42.1%
Against its peers: 4 of 5Peers' median 20.0%
Net marginBelow its median10.5%
6.2%40.8%
Against its peers: 4 of 5Peers' median 16.6%
Return on equityBelow its median8.6%
5.4%27.2%
Against its peers: 4 of 5Peers' median 10.9%
Free cash flow marginBelow its median20.9%
1.7%147.1%
Against its peers: 1 of 5Peers' median -29.7%
Revenue growthLowest in 5 years-0.5%
-0.5%55.8%
Against its peers: 3 of 5Peers' median -0.9%
EPS growthAbove its median55.3%
-81.7%268.9%
Against its peers: 1 of 5Peers' median 17.6%
Debt to EBITDAAbove its median28.76×
14.58×35.34×
Against its peers: 4 of 5Peers' median 12.26×
Current ratioAt its median0.42
0.290.52
Against its peers: 3 of 5Peers' median 0.45

Figure	FY2025	5-year low – high	Against its history	Against its peers
P/E (today)	16.0	3.054.5	Below its median	—
Gross margin	63.3%	55.4%91.9%	At its median	2 of 5
Operating margin	12.0%	8.3%42.1%	Below its median	4 of 5
Net margin	10.5%	6.2%40.8%	Below its median	4 of 5
Return on equity	8.6%	5.4%27.2%	Below its median	4 of 5
Free cash flow margin	20.9%	1.7%147.1%	Below its median	1 of 5
Revenue growth	-0.5%	-0.5%55.8%	Lowest in 5 years	3 of 5
EPS growth	55.3%	-81.7%268.9%	Above its median	1 of 5
Debt to EBITDA	28.76×	14.58×35.34×	Above its median	4 of 5
Current ratio	0.42	0.290.52	At its median	3 of 5

Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.

UBS Group dividends

Annual dividend: 1.10 USD
Dividend yield (indicated)What is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.: 2.30%
Payout ratioWhat is the payout ratio? The payout ratio is the share of a company's earnings paid out as dividends: dividends per share divided by earnings per share (EPS).: 36.79%
Years of dividend growthWhat are years of dividend growth? The years in a row a company has raised its dividend per share. 25 years make an S&P 500 company a Dividend Aristocrat; 50 make a Dividend King.: 4
Frequency: Annual
Last payment: 1.10 USD
Last ex-dividend dateWhat is the ex-dividend date? The ex-dividend date is the first day a stock trades without its next dividend: buy before it to receive the payment; buy on or after it and the seller gets it.: 21 Apr 2026
Last payment date: 23 Apr 2026

Dividends per share

Year	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Dividends per share	0.90	0.70	0.55	0.50	0.37	0.73	0.69	0.65	0.60	0.88

UBS Group ownership

InstitutionsWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.: 32.91%
Institutional holders: 815 (+80)
Free floatWhat is free float? Free float is the part of a company's shares that anyone can buy and sell: all its shares minus those held by insiders, founders and owners of over 5%.: 99.48%

Who owns the shares

Institutions 32.9% Others 67.1%

As of 30 Jun 2026

Shares free to trade

Free float 3.05B shares ·99.5% Closely held 15.83M shares ·0.5%

Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.

Shares outstanding

Basic shares Diluted shares Change in diluted shares

Fiscal year	Basic shares	Diluted shares	Change in diluted shares
FY2025	3.18B	3.31B	-1.33%
FY2024	3.35B	3.35B	+1.67%
FY2023	3.30B	3.30B	-2.99%
FY2022	3.39B	3.40B	-6.33%
FY2021	3.62B	3.63B	-2.15%

Common questions about UBS Group's financials

Source: Financial Modeling Prep

UBS Group
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UBS

UBS Group financials

UBS Group earnings

Revenue

EPS

UBS Group growth and profitability

Revenue / Net income

How UBS Group makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.

UBS Group revenue breakdown

By region

Operating and free cash flow

UBS Group financial health

Cash, debt and free cash flow

Assets, liabilities and equity

UBS Group valuation

Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.

Valuation over time

UBS Group against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.

UBS Group dividends

Dividends per share

UBS Group ownership

Who owns the shares

Shares free to trade

Shares outstanding

Common questions about UBS Group's financials

Is UBS Group profitable?

Is UBS Group financially healthy?

Is UBS Group growing?

Where can I find UBS Group's annual report (20-F)?

Need help?

UBS Group DQuotes are delayed by 15 minutes

UBS

UBS Group financials

UBS Group earnings

Revenue

EPS

UBS Group growth and profitability

Revenue / Net income

How UBS Group makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.

UBS Group revenue breakdown

By region

Operating and free cash flow

UBS Group financial health

Cash, debt and free cash flow

Assets, liabilities and equity

UBS Group valuation

Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.

Valuation over time

UBS Group against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.

UBS Group dividends

Dividends per share

UBS Group ownership

Who owns the shares

Shares free to trade

Shares outstanding

Common questions about UBS Group's financials

Is UBS Group profitable?

Is UBS Group financially healthy?

Is UBS Group growing?

Where can I find UBS Group's annual report (20-F)?

Need help?

UBS Group
D
Quotes are delayed by 15 minutes