UBS Group Financials
UBS Group (UBS) reported $49.6B in revenue for fiscal year 2025, up 2.0% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
UBS runs on heavy balance-sheet leverage, where tiny shifts in asset-level profitability meaningfully change shareholder returns.
Return on assets stayed below1% yet still translated into return on equity of8.6% in the latest year, showing how the funding structure amplifies modest asset profitability. More subtly, operating cash flow jumped from$3.3B to$21.9B while revenue changed little, implying the prior dip was driven more by balance-sheet and cash-timing movements than by a lasting erosion of core activity.
Profitability normalized after the exceptional spike: the latest net margin of
Capital returns remained active, with buybacks at
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of UBS Group's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Not available for UBS Group, and counted as zero in the overall score.
Not available for UBS Group, and counted as zero in the overall score.
UBS Group passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, UBS Group generates $2.80 in operating cash flow ($21.9B OCF vs $7.8B net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
UBS Group generated $49.6B in revenue in fiscal year 2025. This represents an increase of 2.0% from the prior year.
UBS Group reported $7.8B in net income in fiscal year 2025. This represents an increase of 51.5% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Cash & Balance Sheet
UBS Group held $231.4B in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
UBS Group's net profit margin was 15.7% in fiscal year 2025, showing the share of revenue converted to profit. This is up 5.1 percentage points from the prior year.
UBS Group's ROE was 8.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 2.6 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
UBS Group spent $5.4B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 75.9% from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
UBS Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $49.6B+2.0% | $48.6B+19.0% | $40.8B+18.1% | $34.6B-2.3% | $35.4B+7.0% | $33.1B+14.2% | $29.0B-4.5% | $30.3B+1.9% | $29.8B+3.4% | $28.8B |
| Interest Expense | $161.0M-15.7% | $191.0M+15.1% | $166.0M+80.4% | $92.0M-9.8% | $102.0M-7.3% | $110.0M-9.8% | $122.0M | N/A | N/A | N/A |
| Income Tax | $1.1B-37.0% | $1.7B+91.9% | $873.0M-55.0% | $1.9B-2.8% | $2.0B+26.2% | $1.6B+24.9% | $1.3B-13.7% | $1.5B-65.9% | $4.3B+454.1% | $777.0M |
| Net Income | $7.8B+51.5% | $5.1B-81.2% | $27.4B+257.4% | $7.7B+2.3% | $7.5B+13.9% | $6.6B+52.5% | $4.3B-4.7% | $4.5B+332.3% | $1.0B-69.5% | $3.4B |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EPS (Diluted).
UBS Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.6T+3.3% | $1.6T-8.8% | $1.7T+55.5% | $1.1T-1.1% | $1.1T-0.8% | $1.1T+15.8% | $972.2B+1.4% | $958.5B+2.0% | $939.3B+2.2% | $918.9B |
| Cash & Equivalents | $231.4B-5.2% | $244.1B-28.3% | $340.2B+74.2% | $195.3B-6.0% | $207.9B+19.8% | $173.5B+44.8% | $119.9B-4.9% | $126.1B+20.3% | $104.8B-11.9% | $119.0B |
| Goodwill | $6.1B+1.7% | $6.0B0.0% | $6.0B0.0% | $6.0B-1.6% | $6.1B-5.9% | $6.5B+0.2% | $6.5B-2.7% | $6.6B+1.3% | $6.6B+1.9% | $6.4B |
| Total Liabilities | $1.5T+3.2% | $1.5T-9.3% | $1.6T+55.7% | $1.0T-0.9% | $1.1T-0.9% | $1.1T+16.2% | $917.5B+1.3% | $905.4B+2.1% | $886.7B+2.5% | $865.3B |
| Total Equity | $90.5B+5.7% | $85.6B-0.7% | $86.2B+50.6% | $57.2B-6.2% | $61.0B+2.1% | $59.8B+9.3% | $54.7B+3.0% | $53.1B+1.0% | $52.6B-1.9% | $53.6B |
| Retained Earnings | $82.7B+6.0% | $78.0B+4.9% | $74.4B+48.8% | $50.0B+14.0% | $43.9B+13.1% | $38.8B+13.6% | $34.1B+12.2% | $30.4B+17.3% | $25.9B+3.6% | $25.0B |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Long-Term Debt.
UBS Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $21.9B+566.4% | $3.3B-96.2% | $86.1B+487.6% | $14.6B-53.4% | $31.4B-15.0% | $37.0B+87.6% | $19.7B-31.8% | $28.9B+155.5% | -$52.1B-184.8% | -$18.3B |
| Investing Cash Flow | -$22.8B-3316.1% | $709.0M-99.3% | $103.1B+928.5% | -$12.4B-487.4% | -$2.1B+68.8% | -$6.8B-335.5% | -$1.6B+74.6% | -$6.1B-218.2% | $5.2B-85.8% | $36.6B |
| Financing Cash Flow | -$30.9B+63.3% | -$84.2B-44.5% | -$58.3B-540.7% | -$9.1B-187.9% | $10.3B-16.8% | $12.4B+148.5% | -$25.6B-13581.1% | $190.0M-99.3% | $27.0B+4509.8% | -$612.0M |
| Dividends Paid | $2.9B+27.0% | $2.3B+34.4% | $1.7B+0.7% | $1.7B+28.2% | $1.3B-50.1% | $2.6B+2.5% | $2.5B+4.3% | $2.4B+8.0% | $2.3B-30.3% | $3.2B |
| Share Buybacks | $5.4B+75.9% | $3.1B+0.7% | $3.1B-51.0% | $6.3B+77.8% | $3.5B+122.3% | $1.6B-10.6% | $1.8B+10.1% | $1.6B+77.1% | $908.0M-37.1% | $1.4B |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.
UBS Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 15.7%+5.1pp | 10.6%-56.5pp | 67.1%+44.9pp | 22.2%+1.0pp | 21.1%+1.3pp | 19.9%+5.0pp | 14.9%0.0pp | 14.9%+11.4pp | 3.5%-8.4pp | 11.9% |
| Return on Equity | 8.6%+2.6pp | 6.0%-25.8pp | 31.8%+18.4pp | 13.4%+1.1pp | 12.3%+1.3pp | 11.0%+3.1pp | 7.9%-0.6pp | 8.5%+6.5pp | 2.0%-4.4pp | 6.4% |
| Return on Assets | 0.5%+0.1pp | 0.3%-1.3pp | 1.6%+0.9pp | 0.7%0.0pp | 0.7%+0.1pp | 0.6%+0.1pp | 0.4%0.0pp | 0.5%+0.4pp | 0.1%-0.3pp | 0.4% |
| Debt-to-Equity | 16.88-0.4x | 17.29-1.6x | 18.93+0.6x | 18.30+1.0x | 17.31-0.5x | 17.84+1.1x | 16.78-0.3x | 17.06+0.2x | 16.87+0.7x | 16.15 |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, FCF Margin.
Similar Companies
Where UBS Group Ranks
Frequently Asked Questions
What is UBS Group's annual revenue?
UBS Group (UBS) reported $49.6B in total revenue for fiscal year 2025. This represents a 2.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is UBS Group's revenue growing?
UBS Group (UBS) revenue grew by 2.0% year-over-year, from $48.6B to $49.6B in fiscal year 2025.
Is UBS Group profitable?
Yes, UBS Group (UBS) reported a net income of $7.8B in fiscal year 2025, with a net profit margin of 15.7%.
What is UBS Group's net profit margin?
UBS Group (UBS) had a net profit margin of 15.7% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is UBS Group's return on equity (ROE)?
UBS Group (UBS) has a return on equity of 8.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is UBS Group's operating cash flow?
UBS Group (UBS) generated $21.9B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are UBS Group's total assets?
UBS Group (UBS) had $1.6T in total assets as of fiscal year 2025, including both current and long-term assets.
What is UBS Group's debt-to-equity ratio?
UBS Group (UBS) had a debt-to-equity ratio of 16.88 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is UBS Group's return on assets (ROA)?
UBS Group (UBS) had a return on assets of 0.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is UBS Group's Piotroski F-Score?
UBS Group (UBS) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are UBS Group's earnings high quality?
UBS Group (UBS) has an earnings quality ratio of 2.80x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is UBS Group?
UBS Group (UBS) scores 19 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.