Tearsheet

UBS (UBS)

Market Price (11/8/2025): $37.87 | Market Cap: $119.1 Bil
Sector: Financials | Industry: Diversified Banks

UBS (UBS)

Market Price (11/8/2025): $37.87
Market Cap: $119.1 Bil
Sector: Financials
Industry: Diversified Banks

Investment Highlights Why It Matters Which of these 2 stories sounds closer for this stock?

1. Generates cash flow

The stock generated 4% or more of the share price (called cash flow yield), and shows moderate 10-15% or more growth.

2. Riding a trend

Think Tesla during the pandemic of 2020 when EVs were riding a cultural high, or Nvidia in the current AI boom, or even Figma. These companies don’t have enough yield, or, enough growth, or both - however - they are riding a trend. They have momentum. These can be more volatile - they don’t have the floor of strong cash flow

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.1%	Debt is significant Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 92%
1	Attractive cash flow generation CFO LTM is 4.3 Bil, FCF LTM is 2.1 Bil	Expensive valuation multiples P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 28x
2	Low stock price volatility Vol 12M is 30%

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 6.1%
1	Attractive cash flow generation CFO LTM is 4.3 Bil, FCF LTM is 2.1 Bil
2	Low stock price volatility Vol 12M is 30%
3	Debt is significant Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 92%
4	Expensive valuation multiples P/CFOPrice/(Cash Flow from Operations). CFO is cash before capital expenditures. is 28x

Market Valuation & Key Metrics

	11/8/25	2024	2023	2022	2021
Share Price CYE	$37.87	$29.38	$29.17	$17.18	$16.22
Market Cap CYE ($ Bil)	119.1	93.4	94.1	54.0	55.6
Total Debt ($ Bil)	341.8	332.4	377.7	193.3	218.7
Total Cash ($ Bil)	221.4	225.7	317.1	172.8	194.8
Enterprise Value ($ Bil)	239.5	425.8	471.8	247.3	274.3
Valuation Ratios
P/S TTM	2.6	2.1	2.5	1.8	1.8
P/EBIT TTM	0.0	0.0	0.0	0.0	0.0
P/E TTM	16.2	19.1	3.6	8.0	8.3
Sector Ratios
P/S TTM (Sector)	3.1	3.1	2.8	2.8	3.4
P/EBIT TTM (Sector)	6.5	6.9	7.0	6.7	6.8
P/E TTM (Sector)	11.9	11.5	10.1	9.3	9.9

	11/8/25	2024	2023
Share Price CYE	$37.87	$29.38	$29.17
Market Cap CYE ($ Bil)	119.1	93.4	94.1
Total Debt ($ Bil)	341.8	332.4	377.7
Total Cash ($ Bil)	221.4	225.7	317.1
Enterprise Value ($ Bil)	239.5	425.8	471.8
Valuation Ratios
P/S TTM	2.6	2.1	2.5
P/EBIT TTM	0.0	0.0	0.0
P/E TTM	16.2	19.1	3.6
Sector Ratios
P/S TTM (Sector)	3.1	3.1	2.8
P/EBIT TTM (Sector)	6.5	6.9	7.0
P/E TTM (Sector)	11.9	11.5	10.1

	UBS	S&P 500
REVENUE GROWTH	FAIR
Rev LTM ($ Bil)	46.2
Rev Chg Q	4.5%	7.2%
Rev Chg LTM	3.2%	6.0%
Rev Chg 3Y Avg	10.9%	5.5%
PROFITABILITY	FAIR
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	4.3
Net Inc LTM ($ Bil)	7.3
CFO/Rev LTM	9.3%	20.5%
Net Inc Mgn	15.9%	13.0%
VALUATION	MODERATE
P/S	2.6	3.2
P/CFO	27.7	15.2
P/FCF	57.9	20.0
P/E	16.2	23.6

AI Generated Analysis | Feedback

null

UBS Stock

Return (1M):

Factor Drivers of Stock Movement

The -3.1% change in UBS stock from 8/8/2025 to 11/7/2025 was primarily driven by a -18.0% change in the company's P/E Multiple.

	8082025	11072025	Change
Stock Price ($)	39.54	38.31	-3.11%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	45729.00	46238.00	1.11%
Net Income Margin (%)	13.74%	15.87%	15.52%
P/E Multiple	20.01	16.42	-17.96%
Shares Outstanding (Mil)	3179.29	3144.63	1.09%
Cumulative Contribution			-3.12%

LTM = Last Twelve Months as of date shown

The 21.6% change in UBS stock from 5/9/2025 to 11/7/2025 was primarily driven by a 43.2% change in the company's Net Income Margin (%).

	5092025	11072025	Change
Stock Price ($)	31.51	38.31	21.58%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	45303.00	46238.00	2.06%
Net Income Margin (%)	11.09%	15.87%	43.16%
P/E Multiple	19.93	16.42	-17.64%
Shares Outstanding (Mil)	3177.01	3144.63	1.02%
Cumulative Contribution			21.57%

LTM = Last Twelve Months as of date shown

The 19.5% change in UBS stock from 11/7/2024 to 11/7/2025 was primarily driven by a 76.2% change in the company's Net Income Margin (%).

	11072024	11072025	Change
Stock Price ($)	32.05	38.31	19.52%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	44823.00	46238.00	3.16%
Net Income Margin (%)	9.00%	15.87%	76.25%
P/E Multiple	25.39	16.42	-35.33%
Shares Outstanding (Mil)	3196.57	3144.63	1.63%
Cumulative Contribution			19.49%

LTM = Last Twelve Months as of date shown

The 151.9% change in UBS stock from 11/8/2022 to 11/7/2025 was primarily driven by a 145.8% change in the company's P/E Multiple.

	11082022	11072025	Change
Stock Price ($)	15.21	38.31	151.88%
Change Contribution By	LTM	LTM
Total Revenues ($ Mil)	34121.00	46238.00	35.51%
Net Income Margin (%)	21.47%	15.87%	-26.07%
P/E Multiple	6.68	16.42	145.76%
Shares Outstanding (Mil)	3217.21	3144.63	2.26%
Cumulative Contribution			151.76%

LTM = Last Twelve Months as of date shown

Why The Stock Moved

AI Generated Analysis | Feedback

Here are the key points explaining the movement of UBS stock by 2.6% for the approximate time period from 7/31/2025 to 11/8/2025: 1. Strong Third Quarter 2025 Earnings: UBS reported a significant increase in net profit attributable to shareholders for Q3 2025, reaching $2.48 billion, a substantial rise from $1.43 billion in the prior-year quarter and surpassing analyst expectations.

2. Progress in Credit Suisse Integration: The company demonstrated considerable advancement in integrating Credit Suisse, achieving an additional $0.9 billion in gross cost savings during Q3 2025. This brought the cumulative gross cost savings to $10 billion, representing approximately 77% of the targeted $13 billion in annualized exit rate gross cost savings by the end of 2026.

Return vs. Risk

Price Returns Compared

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
UBS Return	19%	28%	6%	70%	1%	29%	257%
Peers Return	4%	35%	-15%	17%	42%	35%	166%
S&P 500 Return	16%	27%	-19%	24%	23%	14%	108%
Monthly Win Rates [3]
UBS Win Rate	58%	67%	58%	58%	50%	70%
Peers Win Rate	58%	63%	42%	50%	65%	68%
S&P 500 Win Rate	58%	75%	42%	67%	75%	70%
Max Drawdowns [4]
UBS Max Drawdown	-39%	0%	-21%	-3%	-13%	-14%
Peers Max Drawdown	-47%	-2%	-29%	-14%	-4%	-18%
S&P 500 Max Drawdown	-31%	-1%	-25%	-1%	-2%	-15%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: JPM, BAC, MS, GS, C. See UBS Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2025 data is for the year up to 11/7/2025 (YTD)

How Low Can It Go

Unique Key	Event	UBS	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-34.3%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	52.3%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	98 days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-42.9%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	75.2%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	238 days	148 days
2018 Correction	2018 Correction
2018 Correction% Loss	% Loss	-51.4%	-19.8%
2018 Correction% Gain to Breakeven	% Gain to Breakeven	105.6%	24.7%
2018 CorrectionTime to Breakeven	Time to Breakeven	909 days	120 days
2008 Global Financial Crisis	2008 Global Financial Crisis
2008 Global Financial Crisis% Loss	% Loss	-79.5%	-56.8%
2008 Global Financial Crisis% Gain to Breakeven	% Gain to Breakeven	388.4%	131.3%
2008 Global Financial CrisisTime to Breakeven	Time to Breakeven	5800 days	1480 days

Compare to JPM, BAC, MS, GS, C

In The Past

UBS's stock fell -34.3% during the 2022 Inflation Shock from a high on 2/9/2022. A -34.3% loss requires a 52.3% gain to breakeven.

Preserve Wealth

Limiting losses and compounding gains is essential to preserving wealth over time.

Asset Allocation

Actively managed asset allocation strategies protect wealth. Learn more.

About UBS (UBS)

UBS 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.

AI Generated Analysis | Feedback

null

AI Generated Analysis | Feedback

null

AI Generated Analysis | Feedback

null

AI Generated Analysis | Feedback

null

AI Generated Analysis | Feedback

null

AI Generated Analysis | Feedback

null

AI Generated Analysis | Feedback

null

AI Generated Analysis | Feedback

null

AI Generated Analysis | Feedback

null

Interactive Breakdown

UBS Interactive Breakdown Analysis

Better Bets than UBS (UBS)

	UBS	Better Performance than UBS
Metric	Value	Industry (Diversified Banks)
Rev Chg LTM	3.2%	JPM (8.6%), BAC (8.9%), HSBC (6.6%), RY (16.4%), C (8.4%)
Rev Chg 3Y Avg	10.9%	JPM (13.4%)
CFO/Rev LTM	9.3%	BAC (57.3%), RY (135.4%), TD (32.4%), BMO (12.8%), BNS (52.2%)
FCF/Rev LTM	4.5%	BAC (57.3%), RY (131.7%), TD (28.7%), BMO (8.1%), BNS (51.3%)
Total Yield	6.1%	JPM (6.7%), BAC (7.5%), WFC (9.6%), HSBC (7.2%), RY (9.4%)

	UBS	Better Performance than UBS
Metric	Value	Sector (Financials)
Rev Chg LTM	3.2%	JPM (8.6%), MA (14.6%), V (11.3%), BAC (8.9%), MS (17.6%)
Rev Chg 3Y Avg	10.9%	BRK-B (19.8%), JPM (13.4%), MA (13.2%), AXP (11.6%), SPGI (13.3%)
CFO/Rev LTM	9.3%	BRK-B (9.8%), MA (56.1%), V (57.6%), BAC (57.3%), AXP (30.0%)
FCF/Rev LTM	4.5%	BRK-B (4.8%), MA (52.5%), V (53.9%), BAC (57.3%), AXP (26.9%)
Total Yield	6.1%	BRK-B (6.3%), JPM (6.7%), BAC (7.5%), WFC (9.6%), MS (6.3%)

	UBS	Better Performance than UBS
Metric	Value	All Other Sectors
Rev Chg LTM	3.2%	NVDA (71.6%), AAPL (6.0%), MSFT (15.6%), GOOGL (13.4%), AMZN (10.9%)
Rev Chg 3Y Avg	10.9%	NVDA (92.0%), MSFT (13.2%), GOOGL (11.0%), AMZN (11.3%), AVGO (24.0%)
CFO/Rev LTM	9.3%	NVDA (46.6%), AAPL (26.6%), MSFT (50.0%), GOOGL (39.3%), AMZN (18.1%)
FCF/Rev LTM	4.5%	NVDA (43.6%), AAPL (23.5%), MSFT (26.6%), GOOGL (19.1%), AVGO (41.6%)
Total Yield	6.1%	XOM (9.5%), JNJ (8.3%), BABA (37.9%), HD (6.4%), KO (7.1%)

		Best Bets In Financials Sector
	UBS	CME	KNSL	MTG	NMIH	CACC	ENVA	FNF	TW	PLMR	ACGL
What You Pay
P/E	16.4	26.4	19.5	8.5	7.4	10.5	10.6	14.4	37.0	22.1	8.1
P/EBIT	�	19.8	15.2	6.5	5.5	8.3	8.2	9.2	25.0	17.4	7.1
What You Get
Rev Chg Q	4.5%	-3.0%	19.0%	-0.7%	7.6%	6.0%	16.3%	16.8%	13.3%	53.1%	11.0%
Rev Chg LTM	3.2%	5.8%	18.1%	2.2%	8.9%	10.2%	21.1%	7.4%	22.2%	52.3%	17.5%
Rev Chg 3Y Avg	10.9%	8.9%	32.4%	1.2%	10.3%	7.6%	23.5%	-0.7%	19.7%	32.4%	28.9%
FCF/Rev 3Y Avg	81.8%	61.9%	60.8%	62.2%	58.4%	55.6%	54.7%	50.8%	49.8%	41.2%	38.2%

[1] Choosing top 10 best bets from each sector quarterly is an alpha producing strategy vs sector benchmark
[2] Historical annualized return of 21%, alpha of 9.1%, and sharpe of 0.94

Latest Trefis Analyses

	Title	Topic	Date
0	DASHBOARDS
1	How Low Can UBS Stock Really Go?	Return
2	UBS Dip Buy Analysis
3	UBS Total Shareholder Return (TSR): 2.5% in 2024 and 24.0% 3-yr compounded annual returns (above peer average)
4	Time To Buy UBS Stock?	Buy or Fear
5	UBS (UBS) Operating Cash Flow Comparison	Financials
6	UBS (UBS) Net Income Comparison	Financials
7	Fundamental Metrics: ...
8	UBS (UBS) Stock Has 49% Chance Of Rise In The Next One Month
9	Dates Cached For UBS
10	UBS (UBS) Stock Has 81% Chance Of Rise In The Next One Month
11	ARTICLES
12	Large Cap Stocks Trading At 52-Week High		July 23rd, 2025
13	Large Cap Stocks Trading Near 52W High		July 10th, 2025
14	Large Cap Stocks Trading Near 52W High		July 9th, 2025
15	UBS Stock Is Up 4.5% Since The Q1 Results, What To Expect Next?		May 9th, 2024
16	Up 50% In The Last 12 Months, Where Is UBS Stock Headed?		April 8th, 2024

	Title
0	DASHBOARDS
1	How Low Can UBS Stock Really Go?
2	UBS Dip Buy Analysis
3	UBS Total Shareholder Return (TSR): 2.5% in 2024 and 24.0% 3-yr compounded annual returns (above peer average)
4	Time To Buy UBS Stock?
5	UBS (UBS) Operating Cash Flow Comparison
6	UBS (UBS) Net Income Comparison
7	Fundamental Metrics: ...
8	UBS (UBS) Stock Has 49% Chance Of Rise In The Next One Month
9	Dates Cached For UBS
10	UBS (UBS) Stock Has 81% Chance Of Rise In The Next One Month
11	ARTICLES
12	Large Cap Stocks Trading At 52-Week High
13	Large Cap Stocks Trading Near 52W High
14	Large Cap Stocks Trading Near 52W High
15	UBS Stock Is Up 4.5% Since The Q1 Results, What To Expect Next?
16	Up 50% In The Last 12 Months, Where Is UBS Stock Headed?

Trade Ideas

Select past ideas related to UBS. For more, see Trefis Trade Ideas.

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
BRO_10312025_Dip_Buyer_FCFYield	10312025	BRO	Brown & Brown	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-1.5%	-1.5%	-4.2%
CPAY_10312025_Dip_Buyer_FCFYield	10312025	CPAY	Corpay	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	6.2%	6.2%	0.0%
EEFT_10312025_Dip_Buyer_FCFYield	10312025	EEFT	Euronet Worldwide	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-4.7%	-4.7%	-4.9%
GPN_10312025_Dip_Buyer_FCFYield	10312025	GPN	Global Payments	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-2.2%	-2.2%	-2.2%
APO_10102025_Dip_Buyer_FCFYield	10102025	APO	Apollo Asset Management	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	12.0%	12.0%	0.0%

Unique Key	Date	Ticker	Company	Category	Trade Strategy	6M Fwd Rtn	12M Fwd Rtn	12M Max DD
BRO_10312025_Dip_Buyer_FCFYield	10312025	BRO	Brown & Brown	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-1.5%	-1.5%	-4.2%
CPAY_10312025_Dip_Buyer_FCFYield	10312025	CPAY	Corpay	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	6.2%	6.2%	0.0%
EEFT_10312025_Dip_Buyer_FCFYield	10312025	EEFT	Euronet Worldwide	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-4.7%	-4.7%	-4.9%
GPN_10312025_Dip_Buyer_FCFYield	10312025	GPN	Global Payments	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-2.2%	-2.2%	-2.2%
APO_10102025_Dip_Buyer_FCFYield	10102025	APO	Apollo Asset Management	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	12.0%	12.0%	0.0%

Recent Active Movers

1 Day Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
ORGO	Organogenesis	0.7	44.7%	75.9%
GMED	Globus Medical	11.3	35.9%	1.4%
KODK	Eastman Kodak	0.6	33.2%	18.6%
GCT	GigaCloud Technology	1.3	30.0%	78.8%
FROG	JFrog	6.9	27.0%	104.0%
PGNY	Progyny	1.9	24.2%	29.7%
TNDM	Tandem Diabetes Care	1.1	22.0%	-54.9%
OS	OneStream	4.1	19.2%	-20.3%
FLGT	Fulgent Genetics	0.8	18.2%	42.7%
UAMY	United States Antimony	1.0	17.8%	370.1%

1 Day Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
AIRS	AirSculpt Technologies	0.4	-41.7%	17.9%
FOXF	Fox Factory	0.7	-25.5%	-45.9%
ASTH	Astrana Health	1.3	-23.5%	-19.0%
CERT	Certara	1.4	-23.1%	-18.6%
NTLA	Intellia Therapeutics	1.0	-22.7%	-18.4%
DNA	Ginkgo Bioworks	0.5	-20.8%	-8.9%
SIGA	SIGA Technologies	0.5	-20.0%	20.2%
UI	Ubiquiti	37.0	-19.4%	85.3%
EVCM	EverCommerce	1.7	-19.3%	-15.1%
PSIX	Power Solutions International	1.5	-19.1%	120.8%

1 Week Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
TERN	Terns Pharmaceuticals	1.7	123.6%	233.4%
GDEN	Golden Entertainment	0.8	44.7%	-4.9%
FSLY	Fastly	1.7	39.4%	22.5%
GMED	Globus Medical	11.3	38.9%	1.4%
CSIQ	Canadian Solar	1.9	37.1%	156.0%
HAE	Haemonetics	3.3	36.7%	-12.4%
ESTA	Establishment Labs	1.9	35.6%	41.1%
APPN	Appian	3.0	34.6%	22.2%
XMTR	Xometry	3.3	33.1%	51.9%
ORGO	Organogenesis	0.7	32.5%	75.9%

1 Week Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
QURE	uniQure	1.5	-58.9%	57.4%
ASPN	Aspen Aerogels	0.3	-52.6%	-67.5%
BHVN	Biohaven	0.8	-52.0%	-77.9%
DD	DuPont de Nemours	16.7	-51.3%	-46.9%
SOC	Sable Offshore	0.5	-48.9%	-76.7%
BLZE	Backblaze	0.3	-43.7%	-3.7%
CCOI	Cogent Communications	1.1	-43.1%	-67.5%
NVTS	Navitas Semiconductor	1.6	-41.8%	119.6%
AIRS	AirSculpt Technologies	0.4	-41.2%	17.9%
ACVA	ACV Auctions	0.9	-40.5%	-75.0%

1 Month Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
PRAX	Praxis Precision Medicines	3.6	207.2%	118.6%
INBX	Inhibrx Biosciences	1.2	130.5%	424.0%
VTYX	Ventyx Biosciences	0.6	127.2%	300.5%
TERN	Terns Pharmaceuticals	1.7	117.3%	233.4%
PUMP	ProPetro	1.1	95.6%	15.1%
SNDK	SanDisk	34.7	84.7%
REPL	Replimune	0.8	79.5%	-31.4%
CSIQ	Canadian Solar	1.9	78.3%	156.0%
VICR	Vicor	3.9	66.2%	80.9%
ESTA	Establishment Labs	1.9	62.0%	41.1%

1 Month Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
SOC	Sable Offshore	0.5	-72.8%	-76.7%
NTLA	Intellia Therapeutics	1.0	-62.6%	-18.4%
QURE	uniQure	1.5	-56.3%	57.4%
FMC	FMC	1.8	-53.2%	-69.9%
BHVN	Biohaven	0.8	-52.1%	-77.9%
ASPN	Aspen Aerogels	0.3	-51.4%	-67.5%
LRN	Stride	3.1	-50.3%	-30.7%
FI	Fiserv	35.1	-49.4%	-69.0%
WOLF	Wolfspeed	2.8	-49.3%
ELF	e.l.f. Beauty	4.2	-49.1%	-41.3%

Recent Active Movers

1 Day Top Gainers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
ORGO	Organogenesis	0.7	44.7%	75.9%
GMED	Globus Medical	11.3	35.9%	1.4%
KODK	Eastman Kodak	0.6	33.2%	18.6%
GCT	GigaCloud Technology	1.3	30.0%	78.8%
FROG	JFrog	6.9	27.0%	104.0%
PGNY	Progyny	1.9	24.2%	29.7%
TNDM	Tandem Diabetes Care	1.1	22.0%	-54.9%
OS	OneStream	4.1	19.2%	-20.3%
FLGT	Fulgent Genetics	0.8	18.2%	42.7%
UAMY	United States Antimony	1.0	17.8%	370.1%

1 Day Top Losers

Ticker	Company	Mkt Cap (B)	1D Rtn	YTD Rtn
AIRS	AirSculpt Technologies	0.4	-41.7%	17.9%
FOXF	Fox Factory	0.7	-25.5%	-45.9%
ASTH	Astrana Health	1.3	-23.5%	-19.0%
CERT	Certara	1.4	-23.1%	-18.6%
NTLA	Intellia Therapeutics	1.0	-22.7%	-18.4%
DNA	Ginkgo Bioworks	0.5	-20.8%	-8.9%
SIGA	SIGA Technologies	0.5	-20.0%	20.2%
UI	Ubiquiti	37.0	-19.4%	85.3%
EVCM	EverCommerce	1.7	-19.3%	-15.1%
PSIX	Power Solutions International	1.5	-19.1%	120.8%

1 Week Top Gainers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
TERN	Terns Pharmaceuticals	1.7	123.6%	233.4%
GDEN	Golden Entertainment	0.8	44.7%	-4.9%
FSLY	Fastly	1.7	39.4%	22.5%
GMED	Globus Medical	11.3	38.9%	1.4%
CSIQ	Canadian Solar	1.9	37.1%	156.0%
HAE	Haemonetics	3.3	36.7%	-12.4%
ESTA	Establishment Labs	1.9	35.6%	41.1%
APPN	Appian	3.0	34.6%	22.2%
XMTR	Xometry	3.3	33.1%	51.9%
ORGO	Organogenesis	0.7	32.5%	75.9%

1 Week Top Losers

Ticker	Company	Mkt Cap (B)	1W Rtn	YTD Rtn
QURE	uniQure	1.5	-58.9%	57.4%
ASPN	Aspen Aerogels	0.3	-52.6%	-67.5%
BHVN	Biohaven	0.8	-52.0%	-77.9%
DD	DuPont de Nemours	16.7	-51.3%	-46.9%
SOC	Sable Offshore	0.5	-48.9%	-76.7%
BLZE	Backblaze	0.3	-43.7%	-3.7%
CCOI	Cogent Communications	1.1	-43.1%	-67.5%
NVTS	Navitas Semiconductor	1.6	-41.8%	119.6%
AIRS	AirSculpt Technologies	0.4	-41.2%	17.9%
ACVA	ACV Auctions	0.9	-40.5%	-75.0%

Peer Comparisons for UBS

Financials

	UBS	JPM	BAC	MS	GS	C	Median
Name	UBS	JPMorgan.	Bank of .	Morgan S.	Goldman .	Citigroup
Mkt Price	38.31	314.21	53.20	162.36	786.34	100.79	131.58
Mkt Cap	120.5	868.0	397.2	255.1	243.5	183.5	249.3
Rev LTM	46,238	179,430	107,264	64,247	58,698	85,244	74,746
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	2,058	-119,748	61,472	-6,747	15,769	-75,968	-2,344
FCF 3Y Avg	33,372	-65,107	34,244	-23,827	-31,511	-64,799	-27,669
CFO LTM	4,294	-119,748	61,472	-3,679	17,888	-69,391	308
CFO 3Y Avg	35,323	-65,107	34,244	-20,550	-29,280	-58,153	-24,915

Growth & Margins

	UBS	JPM	BAC	MS	GS	C	Median
Name	UBS	JPMorgan.	Bank of .	Morgan S.	Goldman .	Citigroup
Rev Chg LTM	3.2%	8.6%	8.9%	17.6%	15.2%	8.4%	8.7%
Rev Chg 3Y Avg	10.9%	13.4%	5.2%	7.6%	6.4%	5.0%	7.0%
Rev Chg Q	4.5%	8.8%	10.8%	19.1%	19.6%	9.6%	10.2%
QoQ Delta Rev Chg LTM	1.1%	2.1%	2.6%	4.5%	4.4%	2.3%	2.5%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	9.3%	-66.7%	57.3%	-5.7%	30.5%	-81.4%	1.8%
CFO/Rev 3Y Avg	86.4%	-36.4%	32.7%	-38.8%	-60.4%	-72.0%	-37.6%
FCF/Rev LTM	4.5%	-66.7%	57.3%	-10.5%	26.9%	-89.1%	-3.0%
FCF/Rev 3Y Avg	81.8%	-36.4%	32.7%	-44.6%	-64.7%	-80.3%	-40.5%

Valuation

	UBS	JPM	BAC	MS	GS	C	Median
Name	UBS	JPMorgan.	Bank of .	Morgan S.	Goldman .	Citigroup
Mkt Cap	120.5	868.0	397.2	255.1	243.5	183.5	249.3
P/S	2.6	4.8	3.7	4.0	4.1	2.2	3.8
P/EBIT	-	-	-	-	-	-	-
P/E	16.4	15.0	13.4	15.8	14.6	12.5	14.8
P/CFO	28.1	-7.2	6.5	-69.3	13.6	-2.6	1.9
Total Yield	6.1%	6.7%	7.5%	6.3%	6.8%	8.0%	6.8%
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
FCF Yield 3Y Avg	37.4%	-7.5%	11.7%	-15.6%	-22.7%	-55.7%	-11.5%
D/E	2.8	0.6	0.9	1.4	1.5	2.0	1.5
Net D/E	0.9	-0.3	-0.7	1.0	0.8	-1.2	0.2

Returns

	UBS	JPM	BAC	MS	GS	C	Median
Name	UBS	JPMorgan.	Bank of .	Morgan S.	Goldman .	Citigroup
1M Rtn	-5.8%	3.3%	6.7%	4.9%	1.3%	4.9%	4.1%
3M Rtn	-3.1%	9.3%	16.3%	14.1%	9.6%	9.3%	9.5%
6M Rtn	21.6%	25.4%	28.8%	35.2%	40.1%	42.8%	32.0%
12M Rtn	19.5%	35.7%	21.6%	29.9%	37.8%	52.1%	32.8%
3Y Rtn	151.9%	157.4%	55.2%	110.7%	133.3%	143.7%	138.5%
1M Excs Rtn	-4.4%	2.9%	6.9%	4.6%	0.9%	5.8%	3.8%
3M Excs Rtn	-6.8%	3.5%	10.3%	8.0%	4.3%	4.3%	4.3%
6M Excs Rtn	2.7%	6.5%	9.9%	16.3%	21.2%	24.0%	13.1%
12M Excs Rtn	8.2%	28.5%	13.7%	25.3%	35.9%	46.3%	26.9%
3Y Excs Rtn	85.9%	87.5%	-19.4%	34.0%	63.8%	70.7%	67.2%

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End	9/30/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date	10/29/2025	3/14/2025	3/27/2024	3/3/2023	3/7/2022	3/5/2021	3/3/2020
Key Financials
Total Revenue	46,238	45,346	38,860	33,270	35,059	32,074	28,975
Net Income	7,338	5,086	27,366	7,629	7,457	6,557	4,304
EPS	2.31	1.59	8.68	2.34	2.14	1.83	1.17
Growth Rates
Total Revenue Growth	3.2%	16.7%	16.8%	-5.1%	9.3%	10.7%	-3.4%
Net Income Growth	81.8%	-81.4%	258.7%	2.3%	13.7%	52.3%	-4.7%
Margins
Net Income Margin	15.9%	11.2%	70.4%	22.9%	21.3%	20.4%	14.9%
Cash & Debt
Total Cash	231,213	227,900	319,357	175,064	203,642	168,521	115,293
Total Debt	341,801	332,423	377,685	193,276	218,743	206,463	183,272
Net Debt / (Cash)	110,588	104,523	58,328	18,212	15,101	37,942	67,979
Cash Flows
Net Cash from Operations	4,294	3,279	86,068	14,647	31,425	36,958	19,705
Free Cash from Operations	2,058	1,271	84,383	13,004	29,584	35,104	18,121
Returns to Shareholders
Dividends	0	2,256	1,679	1,668	1,301	2,607	2,544
Share Repurchases	-0	-0	-0	6,006	3,341	1,387	1,559

$ Mil \| FY: 12/31	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4
Period End	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022
Filing Date	10/29/2025	7/30/2025	4/29/2025	2/4/2025	10/30/2024	8/14/2024	5/7/2024	2/6/2024	11/7/2023	8/31/2023	4/25/2023	1/31/2023
Key Financials Quarterly
Total Revenue	11,938	11,499	11,741	11,060	11,429	11,073	11,904	10,417	10,644	9,509	8,698	7,988
Net Income	2,481	2,395	1,692	770	1,425	1,135	1,755	-279	-715	27,331	1,029	1,653
EPS	0.79	0.75	0.53	0.24	0.45	0.35	0.55	-0.09	-0.22	8.87	0.33	0.53
Key Financials TTM
Total Revenue TTM	46,238	45,729	45,303	45,466	44,823	44,038	42,474	39,268	36,839	34,151	32,709	33,393
Net Income TTM	7,338	6,282	5,022	5,085	4,036	1,896	28,092	27,366	29,298	31,746	6,523	7,630
Growth Rates Quarterly
Total Revenue Growth	4.5%	3.8%	-1.4%	6.2%	7.4%	16.4%	36.9%	30.4%	33.8%	17.9%	-7.3%	-8.4%
Net Income Growth	74.1%	111.0%	-3.6%	376.0%	299.3%	-95.8%	70.6%	-116.9%	-141.3%	1196.5%	-51.8%	22.6%
Margins Quarterly
Net Income Margin	20.8%	20.8%	14.4%	7.0%	12.5%	10.3%	14.7%	-2.7%	-6.7%	287.4%	11.8%	20.7%
Cash & Debt
Total Cash	231,213	245,655	237,043	227,900	248,762	253,793	276,736	319,357	267,944	267,621	149,201	175,064
Total Debt	341,801	347,708	336,145	332,423	350,563	354,626	354,677	377,685	362,550	369,421	198,648	193,276
Net Debt / (Cash)	110,588	102,053	99,102	104,523	101,801	100,833	77,941	58,328	94,606	101,800	49,447	18,212
Cash Flows Quarterly
FCF from Operations	-3,913	5,512	15,377	-12,682	4,103	314	11,544	37,937	30,466	42,771	-25,106	-353
Cash Flows TTM
FCF from Operations TTM	4,294	12,310	7,112	3,279	53,898	80,261	122,718	86,068	47,778	14,162	-37,738	14,647
Returns to Shareholders Quarterly
Dividends	0	0	0	0	0	0	0	0	0	0	0	0
Share Repurchases	-0	-0	-0	-0	-0	-0	-0	-0	-0	-0	2,191	1,261
Return on Invested Capital (ROIC) Quarterly
ROIC	8.9%	8.2%	6.8%	3.0%	5.4%	4.6%	8.6%	-1.7%	-0.7%	102.7%	8.4%	36.4%
Return on Invested Capital (ROIC) TTM
ROIC TTM	6.6%	5.9%	5.1%	4.9%	3.9%	1.9%	34.4%	42.3%	29.7%	29.9%	13.3%	42.1%

Segment Financials

Assets by Segment

$ Mil	2024	2023	2022	2021	2020
Global Wealth Management	567,648	388,530	395,235	367,714	309,766
Personal & Corporate Banking	483,794	235,226	225,370	231,657	209,405
Investment Bank	428,269	391,320	346,431	369,683	315,855
Non-core and Legacy	201,453
Asset Management	21,804	17,348	25,639	28,589	34,565
Group Items	14,277	71,940	124,507	128,122	102,603
Total	1,717,245	1,104,364	1,117,182	1,125,765	972,194

Price Behavior

Price Behavior

Market Price	$38.31
Market Cap ($ Bil)	120.5
First Trading Date	12/29/2006
Distance from 52W High	-9.6%
	50 Days	200 Days
DMA Price	$39.90	$34.92
DMA Trend	up	indeterminate
Distance from DMA	-4.0%	9.7%
	3M	1YR
Volatility	18.9%	29.9%
Downside Capture	119.20	99.58
Upside Capture	69.18	104.75
Correlation (SPY)	47.3%	66.0%

UBS Betas & Captures as of 10/31/2025

	1M	2M	3M	6M	1Y	3Y
Beta	0.38	0.74	0.90	1.03	1.03	1.03
Up Beta	1.50	1.31	1.51	0.88	1.04	1.05
Down Beta	0.22	0.26	0.49	0.59	0.97	0.94
Up Capture	-34%	41%	77%	133%	113%	149%
Bmk +ve Days	14	27	37	74	145	425
Stock +ve Days	7	19	32	70	132	405
Down Capture	65%	133%	103%	126%	102%	100%
Bmk -ve Days	9	17	28	53	106	327
Stock -ve Days	16	25	33	56	117	343

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

1Y 5Y 10Y

Based On 1-Year Data

		Comparison of UBS With Other Asset Classes (Last 1Y)
	UBS	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	27.5%	15.3%	18.9%	45.7%	0.7%	-1.3%	49.7%
Annualized Volatility	30.1%	20.1%	19.6%	19.9%	16.1%	18.0%	37.2%
Sharpe Ratio	0.82	0.60	0.76	1.78	-0.14	-0.22	0.85
Correlation With Other Assets		64.3%	66.7%	1.5%	15.2%	48.3%	31.1%

ETFs used for asset classes: Sector ETF = XLF, Equity = SPY, Gold = GLD, Commodities = DBC, Real Estate = VNQ, and Bitcoin = BTCUSD
Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data

		Comparison of UBS With Other Asset Classes (Last 5Y)
	UBS	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	29.9%	19.2%	17.1%	15.9%	13.8%	7.2%	49.2%
Annualized Volatility	30.2%	19.4%	17.1%	15.6%	18.9%	19.1%	49.3%
Sharpe Ratio	0.91	0.84	0.81	0.82	0.61	0.29	0.76
Correlation With Other Assets		64.7%	58.2%	8.4%	17.1%	44.6%	23.3%

Based On 10-Year Data

		Comparison of UBS With Other Asset Classes (Last 10Y)
	UBS	Sector ETF	Equity	Gold	Commodities	Real Estate	Bitcoin
Annualized Return	10.5%	12.5%	14.3%	12.9%	5.1%	5.3%	77.5%
Annualized Volatility	30.6%	22.4%	18.0%	14.7%	17.7%	20.9%	56.2%
Sharpe Ratio	0.39	0.52	0.69	0.72	0.22	0.23	0.95
Correlation With Other Assets		71.9%	65.3%	0.7%	27.3%	48.5%	16.2%

Short Interest

Short Interest: As Of Date	10152025
Short Interest: Shares Quantity	9,398,049
Short Interest: % Change Since 9302025	18.4%
Average Daily Volume	1,677,550
Days-to-Cover Short Interest	5.60
Basic Shares Quantity	3,144,628,677
Short % of Basic Shares	0.3%

Returns Analyses

	Title
0	How Low Can UBS Stock Really Go?
1	UBS Stock Return Comparison

SEC Filings

Expand for More

Report Date	Filing Date	Filing
3312021	4272021	6-K 3/31/2021
12312020	3052021	20-F 12/31/2020
9302020	10202020	6-K 9/30/2020
6302020	7212020	6-K 6/30/2020
3312020	4282020	6-K 3/31/2020
12312019	3032020	20-F 12/31/2019
9302019	10222019	6-K 9/30/2019
6302019	7232019	6-K 6/30/2019
3312019	4252019	6-K 3/31/2019
12312018	3152019	20-F 12/31/2018
9302018	10252018	6-K 9/30/2018
6302018	7242018	6-K 6/30/2018
3312018	4232018	6-K 3/31/2018
12312017	3092018	20-F 12/31/2017
9302017	10272017	6-K 9/30/2017
6302017	7282017	6-K 6/30/2017

Insider Activity

Expand for More

Industry Resources

Financials Resources

Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

Prefer one of these to Trefis? Tell us why.

UBS (UBS)

Market Price (11/8/2025): $37.87 | Market Cap: $119.1 BilSector: Financials | Industry: Diversified Banks

UBS (UBS)

Market Price (11/8/2025): $37.87Market Cap: $119.1 BilSector: FinancialsIndustry: Diversified Banks

Market Valuation & Key Metrics

UBS Stock

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

About UBS (UBS)

Interactive Breakdown

Better Bets than UBS (UBS)

Latest Trefis Analyses

Trade Ideas

Recent Active Movers

1 Day Top Gainers

1 Day Top Losers

1 Week Top Gainers

1 Week Top Losers

1 Month Top Gainers

1 Month Top Losers

Recent Active Movers

1 Day Top Gainers

1 Day Top Losers

1 Week Top Gainers

1 Week Top Losers

More From Trefis

Research & Analysis

Invest in Strategies

Wealth Management

Peer Comparisons for UBS

Financials

Growth & Margins

Valuation

Returns

Comparison Analyses

FDIC Bank Data

Bank Capital

Bank Deposits

Bank Assets

Bank Loans

Financials

Segment Financials

Price Behavior

Based On 1-Year Data

Based On 5-Year Data

Based On 10-Year Data

Short Interest

Returns Analyses

Earnings Returns History

SEC Filings

Insider Activity

Industry Resources

External Quote Links

Market Price (11/8/2025): $37.87 | Market Cap: $119.1 Bil
Sector: Financials | Industry: Diversified Banks

Market Price (11/8/2025): $37.87
Market Cap: $119.1 Bil
Sector: Financials
Industry: Diversified Banks