NYSE : UBS
UBS Group AG — Financial statements
Financials · Banks - Diversified · Switzerland
Last price 48.13 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 147.13B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 27.95B | 35.99B | 31.74B | 11.78B | 8.53B | |
| Interest Income on Investments | 6.34B | 7.06B | 3.77B | 1.40B | 1.43B | |
| Total Interest Income | 34.29B | 43.05B | 35.51B | 13.19B | 9.96B | |
| Interest Paid on Deposits | 26.54B | 35.95B | 28.22B | 6.56B | 3.26B | |
| Total Interest Expense | 26.54B | 35.95B | 28.22B | 6.56B | 3.26B | |
| Net Interest Income | 9.30B | 7.75B | 7.11B | 7.30B | 6.62B | 6.71B |
| Gain (Loss) on Sale of Assets | 278.00M | 278.00M | 96.00M | 12.00M | 157.00M | 200.00M |
| Gain (Loss) on Sale of Investments | 3.00M | 3.00M | 135.00M | 7.00M | 843.00M | 50.00M |
| Gain (Loss) on Sale of Equity Investments | 79.00M | 79.00M | 144.00M | -348.00M | 32.00M | 105.00M |
| Other Non-Interest Income | 44.32B | 42.01B | 41.10B | 33.68B | 26.55B | 28.29B |
| Total Non-Interest Income | 44.68B | 42.37B | 41.47B | 33.35B | 27.59B | 28.65B |
| Revenues Before Loan Losses | 53.98B | 50.12B | 48.58B | 40.65B | 34.21B | 35.35B |
| Provision for Loan Losses | 464.00M | 524.00M | 551.00M | 1.04B | 29.00M | -148.00M |
| Revenue | 53.52B | 49.60B | 48.03B | 39.61B | 34.18B | 35.50B |
| Salaries and Employee Benefits | 25.76B | 25.27B | 24.67B | 24.87B | 17.66B | 18.39B |
| Occupancy Expenses | 2.80B | 3.12B | 3.31B | 3.75B | 2.06B | 2.12B |
| Selling, General & Administrative | 7.20B | 7.31B | 8.44B | 10.16B | 5.19B | 5.55B |
| Other Non-Interest Expense | -1.00M | -1.00M | 2.00M | |||
| Total Non-Interest Expense | 35.76B | 35.70B | 36.43B | 38.78B | 24.91B | 26.06B |
| EBT Excluding Unusual Items | 17.76B | 13.90B | 11.60B | 836.00M | 9.27B | 9.44B |
| Asset Writedown | -69.00M | -69.00M | -53.00M | |||
| Legal Settlements | 111.00M | 111.00M | ||||
| Other Unusual Items | -546.00M | -546.00M | 30.00M | 27.45B | 246.00M | -71.00M |
| Pretax Income | 12.72B | 8.85B | 6.82B | 28.25B | 9.60B | 9.48B |
| Income Tax Expense | 2.95B | 1.06B | 1.68B | 873.00M | 1.94B | 2.00B |
| Earnings From Continuing Operations | 9.77B | 7.80B | 5.14B | 27.38B | 7.66B | 7.49B |
| Minority Interest in Earnings | -41.00M | -30.00M | -60.00M | -16.00M | -32.00M | -29.00M |
| Net Income | 9.73B | 7.77B | 5.08B | 27.37B | 7.63B | 7.46B |
| Net Income to Common | 9.73B | 7.77B | 5.08B | 27.37B | 7.63B | 7.46B |
| Basic Shares Outstanding | 3.22B | 3.15B | 3.20B | 3.15B | 3.26B | 3.48B |
| Diluted Shares Outstanding | 3.22B | 3.29B | 3.35B | 3.30B | 3.40B | 3.63B |
| EPS (Basic) | 3.02 | 2.46 | 1.59 | 8.68 | 2.34 | 2.14 |
| EPS (Diluted) | 3.02 | 2.36 | 1.52 | 8.30 | 2.25 | 2.06 |
| Dividend Per Share | 1.10 | 0.90 | 0.70 | 0.55 | 0.50 | |
| Effective Tax Rate | 23.20% | 11.93% | 24.56% | 3.09% | 20.22% | 21.07% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 227.55B | 240.38B | 329.27B | 179.12B | 203.24B | |
| Investment Securities | 166.14B | 132.95B | 150.74B | 102.05B | 83.75B | |
| Trading Asset Securities | 238.22B | 273.18B | 261.84B | 200.44B | 184.74B | |
| Total Investments | 404.37B | 406.12B | 412.59B | 302.48B | 268.48B | |
| Gross Loans | 675.72B | 598.21B | 656.83B | 396.63B | 410.23B | |
| Allowance for Loan Losses | -2.52B | -2.02B | -1.75B | -1.15B | -1.25B | |
| Net Loans | 673.20B | 596.19B | 655.08B | 395.48B | 408.98B | |
| Property, Plant & Equipment | 11.20B | 10.61B | 12.44B | 8.04B | 9.05B | |
| Goodwill | 6.07B | 5.99B | 6.04B | 6.04B | 6.13B | |
| Other Intangible Assets | 5.74B | 5.78B | 6.89B | 4.47B | 4.09B | |
| Accrued Interest Receivable | 2.27B | 2.12B | 3.16B | 1.26B | 520.00M | |
| Other Receivables | 126.06B | 150.70B | 127.45B | 90.09B | 99.57B | |
| Restricted Cash | 45.38B | 47.41B | 54.00B | 38.72B | 33.92B | |
| Other Current Assets | 100.17B | 84.18B | 94.80B | 65.66B | 73.24B | |
| Long-Term Deferred Tax Assets | 11.53B | 11.13B | 10.68B | 9.39B | 8.88B | |
| Other Long-Term Assets | 3.90B | 4.41B | 4.53B | 3.60B | 1.08B | |
| Total Assets | 1.62T | 1.57T | 1.72T | 1.10T | 1.12T | |
| Accrued Expenses | 73.86B | 60.30B | 54.15B | 52.18B | 51.51B | |
| Interest Bearing Deposits | 529.00B | 523.98B | 551.09B | 344.23B | 295.59B | |
| Non-Interest Bearing Deposits | 259.37B | 221.80B | 240.94B | 180.82B | 246.42B | |
| Total Deposits | 788.37B | 745.78B | 792.03B | 525.05B | 542.01B | |
| Short-Term Borrowings | 193.96B | 216.94B | 238.13B | 199.91B | 170.78B | |
| Current Portion of Long-Term Debt | 112.99B | 109.67B | 165.53B | 15.80B | 18.63B | |
| Current Portion of Leases | 800.00M | 800.00M | 1.00B | 700.00M | 250.00M | |
| Current Income Taxes Payable | 1.15B | 1.67B | 1.46B | 1.07B | 1.40B | |
| Accrued Interest Payable | 4.78B | 5.88B | 6.69B | 1.95B | 1.09B | |
| Other Current Liabilities | 87.92B | 71.94B | 75.74B | 65.95B | 64.78B | |
| Long-Term Debt | 222.30B | 220.13B | 247.41B | 158.58B | 169.86B | |
| Long-Term Leases | 3.46B | 3.80B | 4.50B | 2.63B | 3.31B | |
| Long-Term Unearned Revenue | 683.00M | 555.00M | 635.00M | 235.00M | 240.00M | |
| Pension & Post-Retirement Benefits | 710.00M | 763.00M | 796.00M | 469.00M | 633.00M | |
| Long-Term Deferred Tax Liabilities | 471.00M | 340.00M | 325.00M | 236.00M | 300.00M | |
| Other Long-Term Liabilities | 35.49B | 40.90B | 42.38B | 22.38B | 31.38B | |
| Total Liabilities | 1.53T | 1.48T | 1.63T | 1.05T | 1.06T | |
| Common Stock | 334.00M | 346.00M | 346.00M | 304.00M | 322.00M | |
| Additional Paid-In Capital | 9.22B | 12.01B | 13.22B | 13.55B | 15.93B | |
| Retained Earnings | 82.74B | 78.03B | 74.40B | 50.00B | 43.85B | |
| Treasury Stock | -7.89B | -6.40B | -4.80B | -6.87B | -4.67B | |
| Comprehensive Income & Other | 5.81B | 1.09B | 2.46B | -104.00M | 5.24B | |
| Total Common Equity | 89.17B | 90.21B | 85.08B | 85.62B | 56.88B | 60.66B |
| Minority Interest | 271.00M | 494.00M | 531.00M | 342.00M | 340.00M | |
| Shareholders' Equity | 89.43B | 90.48B | 85.57B | 86.16B | 57.22B | 61.00B |
| Total Liabilities & Equity | 1.62T | 1.57T | 1.72T | 1.10T | 1.12T | |
| Total Debt | 599.21B | 533.51B | 551.34B | 656.56B | 377.63B | 362.83B |
| Net Cash (Debt) | -23.84B | -67.73B | -37.78B | -65.44B | 1.93B | 25.14B |
| Net Cash Per Share | -7.40 | -20.59 | -11.27 | -19.86 | 0.57 | 6.93 |
| Filing Date Shares Outstanding | 3.16B | 3.09B | 3.17B | 3.21B | 3.11B | 3.40B |
| Total Common Shares Outstanding | 3.16B | 3.09B | 3.17B | 3.21B | 3.11B | 3.40B |
| Book Value Per Share | 29.12 | 29.18 | 26.80 | 26.68 | 18.30 | 17.84 |
| Tangible Book Value | 82.32B | 78.41B | 73.31B | 72.69B | 46.36B | 50.45B |
| Tangible Book Value Per Share | 26.89 | 25.36 | 23.09 | 22.65 | 14.92 | 14.84 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 7.77B | 5.08B | 27.37B | 7.63B | 7.46B | |
| Depreciation & Amortization | 1.73B | 3.75B | 3.75B | 2.06B | 2.12B | |
| Other Amortization | 1.73B | |||||
| Gain (Loss) on Sale of Assets | -485.00M | 101.00M | -102.00M | -1.47B | -230.00M | |
| Total Asset Writedown | 69.00M | 53.00M | ||||
| Provision for Credit Losses | 524.00M | 551.00M | 1.04B | 29.00M | -148.00M | |
| Change in Trading Asset Securities | 25.20B | -13.59B | 3.67B | 8.01B | -10.52B | |
| Change in Other Net Operating Assets | 11.44B | 7.86B | 33.64B | 18.91B | -206.00M | |
| Other Operating Activities | -13.11B | 14.69B | -36.43B | -11.80B | 3.23B | |
| Operating Cash Flow | 34.79B | 18.35B | 33.28B | 23.34B | 1.60B | |
| Capital Expenditures | -2.36B | -2.01B | -1.69B | -1.64B | -1.84B | |
| Sale of Property, Plant and Equipment | 209.00M | 108.00M | 65.00M | 161.00M | 295.00M | |
| Cash Acquisitions | -17.00M | -64.00M | 108.40B | -3.00M | -1.00M | |
| Investment in Securities | -21.29B | 2.42B | -3.78B | -12.69B | -1.17B | |
| Income (Loss) Equity Investments | -77.00M | -144.00M | 348.00M | -32.00M | -105.00M | |
| Divestitures | 653.00M | 256.00M | 121.00M | 1.73B | 593.00M | |
| Other Investing Activities | -2.00M | |||||
| Investing Cash Flow | -22.80B | 709.00M | 103.12B | -12.45B | -2.12B | |
| Short-Term Debt Issued | 1.69B | 3.17B | ||||
| Long-Term Debt Issued | 133.79B | 106.42B | 109.73B | 79.11B | 98.27B | |
| Total Debt Issued | 135.49B | 106.42B | 112.90B | 79.11B | 98.27B | |
| Short-Term Debt Repaid | -7.41B | -12.25B | -3.09B | |||
| Long-Term Debt Repaid | -157.35B | -177.01B | -165.99B | -67.67B | -79.91B | |
| Total Debt Repaid | -157.35B | -184.42B | -165.99B | -79.92B | -83.00B | |
| Net Debt Issued (Repaid) | -21.86B | -78.00B | -53.08B | -804.00M | 15.27B | |
| Repurchase of Common Stock | -5.18B | -2.92B | -2.78B | -6.01B | -3.34B | |
| Common Dividends Paid | -2.87B | -2.26B | -1.68B | -1.67B | -1.30B | |
| Net Increase (Decrease) in Deposit Accounts | -12.94B | -15.07B | 52.79B | -8.69B | 29.82B | |
| Other Financing Activities | -958.00M | -987.00M | -721.00M | -616.00M | -283.00M | |
| Financing Cash Flow | -43.80B | -99.24B | -5.48B | -17.79B | 40.17B | |
| Foreign Exchange Rate Adjustments | 19.10B | -15.94B | 13.96B | -5.66B | -5.31B | |
| Net Cash Flow | -12.71B | -96.12B | 144.89B | -12.55B | 34.34B | |
| Free Cash Flow | 32.43B | 16.34B | 31.60B | 21.70B | -241.00M | |
| Free Cash Flow Margin | 65.38% | 34.03% | 79.76% | 63.48% | -0.68% | |
| Free Cash Flow Per Share | 9.86 | 4.88 | 9.59 | 6.39 | -0.07 | |
| Cash Interest Paid | 37.75B | 48.25B | 35.97B | 8.20B | 4.71B | |
| Cash Income Tax Paid | 2.05B | 1.94B | 1.85B | 1.58B | 1.13B |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 145.84B | 147.72B | 97.49B | 100.22B | 59.21B | 62.06B |
| Last Close Price | 47.69 | 45.72 | 29.17 | 29.08 | 17.22 | 16.12 |
| PE Ratio | 15.54 | 19.02 | 19.17 | 3.66 | 7.76 | 8.32 |
| PS Ratio | 2.72 | 2.98 | 2.03 | 2.53 | 1.73 | 1.75 |
| PB Ratio | 1.63 | 1.63 | 1.14 | 1.16 | 1.03 | 1.02 |
| P/FCF Ratio | 12.40 | 4.55 | 5.96 | 3.17 | 2.73 | |
| P/OCF Ratio | 10.29 | 4.25 | 5.31 | 3.01 | 2.54 | 38.79 |
| Debt / Equity Ratio | 6.70 | 5.90 | 6.44 | 7.62 | 6.60 | 5.95 |
| Debt / FCF Ratio | 16.45 | 33.73 | 20.78 | 17.41 | ||
| Net Debt / Equity Ratio | 0.27 | 0.75 | 0.44 | 0.76 | -0.03 | -0.41 |
| Net Debt / FCF Ratio | 2.09 | 2.31 | 2.07 | -0.09 | 104.33 | |
| Return on Equity (ROE) | 8.86% | 5.99% | 38.20% | 12.96% | 12.40% | |
| Return on Assets (ROA) | 0.49% | 0.31% | 1.94% | 0.69% | 0.67% | |
| Earnings Yield | 6.44% | 5.26% | 5.22% | 27.31% | 12.89% | 12.02% |
| FCF Yield | 8.06% | 21.95% | 16.77% | 31.53% | 36.64% | -0.39% |
| Dividend Yield | 1.15% | 2.30% | 2.93% | 2.24% | 2.89% | 2.74% |
| Payout Ratio | 17.92% | 36.90% | 44.37% | 6.13% | 21.86% | 17.45% |
| Buyback Yield / Dilution | 2.96% | 1.82% | -1.67% | 2.99% | 6.33% | 2.15% |
| Total Shareholder Return | 4.11% | 4.12% | 1.26% | 5.23% | 9.22% | 4.89% |