# UBS Group AG (UBS) — Stock CV

UBS Group AG is a $146B financial services company. Revenue grew 3.3% over the last year, and it keeps 16¢ of every dollar of sales as profit. It trades at 15.3× earnings.

> UBS is a global financial institution built around its core strength in wealth management, serving high and ultra-high-net-worth individuals. In Switzerland, it also operates as a traditional retail and commercial bank.

## Identity

- **Ticker**: UBS
- **Sector**: Financial Services
- **Employees**: 112 388
- **Website**: https://www.ubs.com
- **Market cap**: $146B
- **Last price**: $47.68
- **Financial profile**: Mixed

## Vitals (FY2025)

- **Revenue**: $49.6B
- **Net income**: $7.77B
- **Free cash flow**: $11.8B
- **Net debt**: $357B
- **P/E**: 15.3
- **Revenue growth (YoY)**: 3.3%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 60 |
| Growth | 49 |
| Profitability | 62 |
| Health | 40 |
| Quality | 60 |
| Moat | 50 |

## Qualifications (beginner checklist) — 9 of 11 passed

- [x] Revenue growing — +3.3% YoY
- [x] Profitable — $7.77B FY2025
- [x] Profit growing — +1.7% YoY
- [x] Generates cash — $11.8B FY2025
- [ ] Debt under control — ~30.3y of cash flow to repay
- [x] Established company — $146B market cap
- [x] Not printing shares — -9.1% shares over ~5y
- [x] Proven track record — 5/5 profitable years
- [ ] Financially stable — Altman Z 0.1 — distress
- [x] Pays a dividend — yield 2.34%
- [x] Valuation not extreme — P/E 15.3

## Experience (career milestones)

- **FY2023** — Best year on record: $27.4B net income
- **FY2021** — Profitable every year on record: 5 consecutive profitable years in our data
- **FY2021** — Revenue already above $10B: $35.5B in first reported year
- **FY2021** — Positive free cash flow every year since: 5-year streak

## Strengths

- Strong cash conversion — FCF is 23.7% of revenue

## Watch-outs

- Altman Z-Score 0.10 — elevated financial-distress risk
- Net debt would take ~30.3 years of free cash flow to repay
- Net debt equals ~30.3 years of free cash flow

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $35.5B | $7.46B | $21.7B |
| FY2022 | $34.2B | $7.63B | $31.6B |
| FY2023 | $39.6B | $27.4B | $16.3B |
| FY2024 | $48.0B | $5.08B | $32.4B |
| FY2025 | $49.6B | $7.77B | $11.8B |

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Source: https://stockcv.com/UBS — derived from company filings; may be delayed or incomplete. Information, not investment advice.