UBS Group UBS
$47.78 −$0.99 (-2.03%)
Market closed · Nov 6, 8:20 pm ET · Last extended-hours $47.78 0.00%
Open$48.03
Prev close$48.77
Day range$47.71 – $48.66
Volume2.77M
Market cap$146.29B
P/E (TTM)15.8
Dividend yield2.30%
Fundamentals
Latest reported quarter: Q3, ended Sep 2026
Revenue$13.39B+11.0% YoY
Net profit$2.70B+8.6% YoY
Diluted EPS$0.85+11.8% YoY
Free cash flow$4.21B+131.9% YoY
Operating cash flow$4.88B
Revenue, last 8 quarters
Net profit, last 8 quarters
Diluted EPS by quarter
Free cash flow by quarter
Annual revenue
Profitability & balance sheet
Net margin18.6%
Return on equity10.9%
Return on assets0.6%
Liabilities / assets94.6%
Cash & investments$195.86B
Total debt$324.98B
Net cash (debt)-$129.13B
Where the revenue comes from
Quarter 2026/Q3
By business line
Income statement
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Revenue as Reported | $13.35B | $13.70B | $14.24B | $49.57B | $12.15B |
| Total Operating Revenue | $13.39B | $13.35B | $13.77B | $47.30B | $12.20B |
| Net Interest Income | $2.41B | $2.40B | $2.32B | $7.75B | $2.17B |
| -Interest Income | $2.41B | $2.40B | $8.06B | $34.29B | $8.37B |
| Non-Interest Income | $10.97B | $10.95B | $11.45B | $39.55B | $10.03B |
| -Fees and Commissions | $7.49B | $7.58B | $7.73B | $25.85B | $7.22B |
| -Other Non-Interest Income | $437.00M | -$328.00M | -$225.00M | -$2.37B | -$358.00M |
| -Gain Loss on Sale of Assets | $3.05B | $3.70B | $3.95B | $14.01B | $3.16B |
| Credit Losses Provision | -$114.00M | -$121.00M | -$70.00M | -$524.00M | -$159.00M |
| Non-Interest Expense | $9.20B | $9.37B | $9.12B | $35.52B | $8.84B |
| Selling and Admin Expenses | $8.47B | $8.62B | $8.37B | $31.02B | $8.38B |
| -General & Admin Expense | $8.47B | $8.62B | $8.28B | $30.45B | $8.38B |
| Depreciation & Amortization & Depletion | $730.00M | $755.00M | $711.00M | $3.19B | $773.00M |
| -Depreciation & Amortization | $730.00M | $755.00M | $711.00M | $3.19B | $773.00M |
| Other Income (Expense) | -$490.00M | -$263.00M | -$746.00M | -$2.40B | -$1.51B |
| Special Income (Charges) | -$490.00M | -$263.00M | -$746.00M | -$2.48B | -$1.51B |
| -Less:Restructuring and Mergern & Acquisition | $490.00M | $293.00M | $701.00M | $3.55B | $1.41B |
| Pretax Profit | $3.59B | $3.59B | $3.84B | $8.85B | $1.70B |
| Tax | $887.00M | $782.00M | $786.00M | $1.06B | $495.00M |
| Net Profit | $2.70B | $2.81B | $3.05B | $7.80B | $1.21B |
| Profit from Continuing Operations | $2.70B | $2.81B | $3.06B | $7.80B | $1.21B |
| Minority Interests | $10.00M | $11.00M | $14.00M | $30.00M | $6.00M |
| Net Income to Parent Company | $2.69B | $2.80B | $3.04B | $7.77B | $1.20B |
| Net Income to Common Stockholders | $2.69B | $2.80B | $3.04B | $7.77B | $1.20B |
| Basic EPS | $0.88 | $0.91 | $0.98 | $2.46 | $0.39 |
| Diluted EPS | $0.85 | $0.87 | $0.94 | $2.36 | $0.37 |
| Dividend Per Share | $0.00 | $1.10 | $0.00 | $0.90 | $0.00 |
| -Less:Other Special Charges | – | -$30.00M | $45.00M | -$789.00M | $17.00M |
| -Interest Expense | – | – | $5.74B | $26.55B | $6.20B |
| Occupancy and Equipment | – | – | $229.00M | $1.06B | – |
| Professional Expense and Contract Services Expense | – | – | $224.00M | $1.28B | – |
| -Selling & Marketing Expense | – | – | $99.00M | $563.00M | – |
| Other Non-Interest Expenses | – | – | -$423.00M | -$1.02B | -$317.00M |
| -Investment Banking Profit | – | – | – | $2.06B | – |
| Income from Associates & Other Participating Interests | – | – | – | $79.00M | – |
| -Less:Write Off | – | – | – | $2.00M | $74.00M |
| -Gain on Sale of Business | – | – | – | $289.00M | – |
Balance sheet
| Line item | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| Total Assets | $1.66T | $1.71T | $1.69T | $1.62T | $1.62T |
| Cash, Cash Equivalents & Federal Funds Sold | $267.12B | $323.40B | $313.02B | $316.16B | $316.16B |
| -Cash and Cash Equivalents | $195.86B | $217.12B | $225.46B | $211.01B | $211.01B |
| -Money Market Investments | $71.26B | $106.28B | $87.57B | $105.15B | $105.15B |
| Securities Investment | $332.58B | $265.63B | $319.32B | $253.76B | $253.76B |
| -Trading Securities | $138.86B | $135.91B | $121.46B | $127.26B | $127.26B |
| -Available for Sale Securities | $173.75B | $115.20B | $184.11B | $112.63B | $112.63B |
| -Short Term Investments | $19.97B | $14.52B | $13.75B | $13.87B | $13.87B |
| Long Term Equity Investment | $2.31B | $2.26B | $2.26B | $2.33B | $2.33B |
| Derivative Assets | $190.85B | $193.16B | $181.50B | $147.78B | $147.78B |
| Net Loan | $682.46B | $701.19B | $681.12B | $689.01B | $689.01B |
| -Gross Loan | $684.94B | $703.74B | $683.65B | $691.55B | $691.55B |
| -Allowance for Loans and Lease Losses | $2.48B | $2.55B | $2.53B | $2.54B | $2.54B |
| Receivables | $41.67B | $58.41B | $40.79B | $49.97B | $49.97B |
| -Accounts Receivable | $41.67B | $49.73B | $40.79B | $40.28B | $40.28B |
| Net PPE | $15.49B | $15.99B | $16.18B | $16.06B | $16.06B |
| Goodwill and Other Intangible Assets | $6.79B | $6.85B | $6.90B | $6.95B | $6.95B |
| Deferred Assets | $11.12B | $11.11B | $11.18B | $11.53B | $11.53B |
| Other Assets | $104.78B | $127.24B | $114.26B | $121.73B | $121.73B |
| Total Liabilities | $1.57T | $1.62T | $1.59T | $1.53T | $1.53T |
| Total Deposits | $802.64B | $812.19B | $811.47B | $812.80B | $812.80B |
| Federal Funds Purchased and Securities Sold Under Agreement to Repurchase | $21.05B | $24.71B | $20.20B | $20.07B | $20.07B |
| Derivative Product Liabilities | $192.10B | $199.34B | $184.41B | $156.24B | $156.24B |
| Trading Liabilities | $103.87B | $64.98B | $105.49B | $56.05B | $56.05B |
| Payables | $103.00B | $123.34B | $112.68B | $103.39B | $103.39B |
| -Accounts Payable | $66.56B | $83.37B | $75.17B | $66.98B | $66.98B |
| -Other Payable | $36.43B | $37.30B | $37.51B | $34.22B | $34.22B |
| Long Term Debt and Capital Lease Obligation | $324.98B | $306.52B | $343.92B | $302.17B | $302.17B |
| -Long Term Debt | $324.98B | $302.25B | $343.92B | $297.92B | $297.92B |
| Non-Current Liabilities | $4.59B | $4.63B | $4.98B | $5.04B | $5.04B |
| Other Liabilities | $14.06B | $25.36B | $10.87B | $22.70B | $22.70B |
| Total Equity | $88.89B | $89.43B | $92.50B | $90.48B | $90.48B |
| Stockholders' Equity | $88.61B | $89.17B | $92.25B | $90.21B | $90.21B |
| Capital Stock | $328.00M | $328.00M | $334.00M | $334.00M | $334.00M |
| -Common Stock | $328.00M | $328.00M | $334.00M | $334.00M | $334.00M |
| Additional Paid-In Capital | $6.16B | $5.92B | $8.06B | $9.22B | $9.22B |
| Retained Earnings | $88.92B | $86.00B | $86.48B | $82.74B | $82.74B |
| Less: Treasury Stock | $9.48B | $7.79B | $7.86B | $7.89B | $7.89B |
| Gains/Losses Not Affecting Retained Earnings | $2.68B | $4.70B | $5.23B | $5.81B | $5.81B |
| Minority Interests | $277.00M | $265.00M | $255.00M | $271.00M | $271.00M |
| -Other Receivables | – | $8.68B | – | $9.70B | $9.70B |
| Prepaid Assets | – | $1.82B | – | $1.73B | $1.73B |
| Assets Held for Sale | – | $234.00M | – | $425.00M | $425.00M |
| Short-Term Debt and Capital Lease Obligation | – | $44.03B | – | $33.87B | $33.87B |
| -Current Debt | – | $44.03B | – | $33.87B | $33.87B |
| -Total Tax Payable | – | $2.66B | – | $2.19B | $2.19B |
| Current Accrued Expenses | – | $2.59B | – | $2.97B | $2.97B |
| -Long Term Capital Lease Obligation | – | $4.27B | – | $4.26B | $4.26B |
| Employee Benefits | – | $9.15B | – | $10.48B | $10.48B |
| Non-Current Deferred Liabilities | – | $1.02B | – | $1.15B | $1.15B |
| Other Equity Interests | – | -$1.00M | $1.00M | – | – |
| -Gross PPE | – | – | – | $38.47B | $38.47B |
| -Accumulated Depreciation | – | – | – | -$22.41B | -$22.41B |
| -Goodwill | – | – | – | $6.07B | $6.07B |
| -Other Intangible Assets | – | – | – | $881.00M | $881.00M |
Cash flow
| Line item | 2025 ANNUAL | 2025 Q4 | 2025 Q3 | 2025 Q2 | 2025 Q1 |
|---|---|---|---|---|---|
| Operating Cash Flow | $21.85B | $4.88B | -$3.91B | $5.51B | $15.38B |
| Net cash flow from continuing operations | $21.85B | $4.88B | -$3.91B | $5.51B | $15.38B |
| Net Income from Continuing Operations | $7.80B | $1.21B | $2.49B | $2.40B | $1.70B |
| Gain/Loss from Continuing Operations | -$562.00M | -$135.00M | -$117.00M | $57.00M | -$367.00M |
| Depreciation & Depletion & Amortization | $3.53B | $866.00M | $904.00M | $898.00M | $861.00M |
| Deferred Tax | -$382.00M | $219.00M | $6.00M | -$577.00M | -$30.00M |
| Other Non-Cash Items | -$10.70B | $2.70B | $4.20B | -$12.19B | -$5.42B |
| Change in Working Capital | $23.70B | -$9.00M | -$10.91B | $15.85B | $18.76B |
| -Change in Loans | $24.99B | $3.13B | $12.64B | -$7.17B | $16.39B |
| -Change in Other Working Capital | -$1.29B | -$3.14B | -$23.55B | $23.02B | $2.37B |
| Net cash flow from investing | -$22.80B | -$4.44B | -$4.22B | -$6.99B | -$7.16B |
| Net Cash Flow from Continuing Investing Activities | -$22.80B | -$4.43B | -$4.22B | -$6.99B | -$7.16B |
| Net PPE Purchase and Sale | -$2.15B | -$550.00M | -$556.00M | -$515.00M | -$532.00M |
| Net Business Purchase and Sale | $636.00M | $29.00M | $142.00M | $111.00M | $354.00M |
| Net Investment Purchase and Sale | -$21.29B | -$3.91B | -$3.80B | -$6.58B | -$6.99B |
| Financing Cash Flow | -$30.86B | -$8.46B | -$9.63B | -$9.81B | -$2.96B |
| Net Cash Flow from Continuing Financing Activities | -$30.86B | -$8.46B | -$9.64B | -$9.81B | -$2.96B |
| Change in Federal Funds and Securities Sold for Repurchase | -$415.00M | -$542.00M | $1.12B | -$276.00M | -$720.00M |
| Net Issuance Payments of Debt | -$21.45B | -$6.37B | -$8.78B | -$5.84B | -$451.00M |
| Net Common Stock Issuance | -$5.18B | -$1.32B | -$1.78B | -$620.00M | -$1.45B |
| Cash Dividends Paid | -$2.87B | $0.00 | $0.00 | – | – |
| Net Other Financing Activities | -$958.00M | -$223.00M | -$192.00M | -$209.00M | -$334.00M |
| Ending Cash Balance | $231.38B | $231.38B | $239.70B | $259.05B | $254.39B |
| Net Change in Cash | -$31.81B | -$8.02B | -$17.76B | -$11.29B | $5.26B |
| Beginning Cash Balance | $244.09B | $239.70B | $259.05B | $254.39B | $244.09B |
| Effect of Exchange Rate Changes | $19.10B | -$309.00M | -$1.59B | $15.95B | $5.04B |
| Free Cash Flow | $19.49B | $4.21B | -$4.50B | $4.96B | $14.82B |
| Net Other Investing Changes | – | – | -$1.00M | $1.00M | $1.00M |
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