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UBS Group AG (UBS)

NYSE: UBS · National Commercial Banks · Zurich, CH · filing with the SEC since 2014
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Grade5.7
◀ Past 5.7● Present 4.4▶ Future 7.6
2 est.
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The grade of UBS Group AG

Nine metrics read from its own filings, by tense
Headline grade
5.7/10
◀ Past5.740% of the headline
● Present4.435% of the headline
▶ Future7.625% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

5.7/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
7.5/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 75th percentile among 83 sector filers · read for itself

From the record

UBS Group AG's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
4.3/10

What has it actually done, year after year?

+4.2% a year over 6 filed years; profitable in 6 of 6.

weight 22% of this tense · 43rd percentile among 79 sector filers · read for its customers

From the record

UBS Group AG's 6 filed years say what it did: revenue went from $29 billion in fiscal 2016 to $35 billion in fiscal 2021, up 4.2% a year; it rose in 4 of 5 years; the deepest fall was 4% from fiscal 2018 to fiscal 2019; net income was positive in 6 of 6 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span4.2%bottom 3% of its family
  • the share of years revenue rosetop 45% of its family
  • the share of filed years with a profittop 42% of its family
  • the deepest fall from a revenue peak4.5%top 45% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
4.1/10

How has it treated the people who own it?

Share count shrank 1.1% a year. 0% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 33% of this tense · 41st percentile among 81 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, UBS Group AG's diluted share count shrank about 1.1% a year, and dividends and buybacks returned about 0% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

  • the share count over the yearstop 21% of its family
  • cash returned against operating cash flowbottom 3% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.4/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed
3.8/10

Is it financially healthy right now?

ROE 9%: 9¢ of profit per shareholder dollar. Leverage 94%: owes 94¢ per asset dollar.

weight 45% of this tense · 38th percentile among 83 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, UBS Group AG earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 94 cents per dollar of assets, and net share issuance: its share count shrank 1.8% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 2% of its family
  • return on equitybottom 32% of its family
  • the share count against the year beforetop 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
4.7/10

How strong is its position in its industry?

bottom 47% of 79 in its family; net margin 21.2%.

weight 33% of this tense · 47th percentile among 79 sector filers · read for its customers

From the record

UBS Group AG's standing among 79 graded names in its industry family: revenue of $35 billion in fiscal 2021 ranks in the top 7% by size; a net margin of 21.2% ranks in the bottom 37%; revenue growth of 5.3% a year over the last 3 filed years ranks in the bottom 9% (its annual reports).

What it rests on

  • revenue against the family$35.39Btop 7% of its family
  • net margin21.2%bottom 37% of its family
  • three-year revenue growth5.3%bottom 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate
5.3/10

What are the people in charge doing?

SI estimate 5.3/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 80 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, so the desk assumes the typical reading of its industry family, the median of 80 members with one.
What the record cannot read
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read.
How it was reasoned
family median, 80 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: UBS Group AG's leadership is put at 5.3 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, so the desk assumes the typical reading of its industry family, the median of 80 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

7.6/1025% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

SI estimate
9.4/10

How much room does it have to grow?

SI estimate 9.4/10, confidence 35 of 100 (one part).

weight 33% of this tense · 94th percentile among 83 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, cash less debt against assets, which ranks in the top 6% of 83 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read
The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned
one part: cash less debt against assets, the one part on file, ranked among 83 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: UBS Group AG's room to expand is put at 9.4 of 10 with a confidence of 35 of 100, because read from one part only, cash less debt against assets, which ranks in the top 6% of 83 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

as filed
5.1/10

What could actually drive growth from here?

top 49% of 79 in its family for growth drivers.

weight 33% of this tense · 51st percentile among 79 sector filers · read for its customers

From the record

UBS Group AG's growth drivers, from the filed years to fiscal 2021: revenue grew 5.3% a year over the last three filed years against 4.2% over all 6, speeding up (bottom 35% of its family); the newest year grew 7% (top 34%) (its annual reports). UBS Group AG tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+1.0 points a yearbottom 35% of its family
  • the newest year's revenue growth7.0%top 34% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
8.4/10

Did its newest year beat what its own record pointed to?

top 16% of 76 in its family for expectations against reality.

weight 33% of this tense · 84th percentile among 76 sector filers · read for its shareholders

From the record

UBS Group AG's newest year against its own record: revenue of $35 billion in fiscal 2021 came in 2.4% above the $35 billion its prior three years' pace pointed to (top 10% of its family); net income of $7.5 billion against a prior three-year average of $5.1 billion (top 24%); a net margin of 21.2% against 16.6% before (top 12%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace2.4%top 10% of its family
  • net income against the prior three years' average+46%top 24% of its family
  • net margin against its prior average+4.6 pointstop 12% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton UBS · research, not advice