Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation
Which stocks are undervalued right now? Check free
Discover now →
UBS Group (0R3T) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of UBS Group £52.29, price £39.22, upside +33.3%, quality 64 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
- Add to watchlist
UG
Broad data
Sep 29, 2026
UBS Group
0R3T · LSEUndervaluedThe stock appears undervalued with acceptable quality.
✓Fair value £52.29 · Undervalued (+33.3%)
✓Quality 64/100
!Mixed Growth (revenue 5y +5.7 %/yr)
✓Solidly profitable · 17.8% net margin (TTM)
!High debt · generates free cash flow
✓2.8% dividend yield · Well covered
!Moderate moat 62/100
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.
How to read this chart
60‑month range £13.34 – £44.71 · fair‑value band £43.59 – £89.52 · the £39.22 price screens below the £52.29 fair value. Dashed = 300-day average. As of Sep 29, 2026.
Company profile
UBS Group AG operates as a wealth manager and bank worldwide. It operates through five segments: Global Wealth Management, Personal & Corporate Banking, Asset Management, Investment Bank, and Non-Core and Legacy.
Show more
UBS Group AG operates as a wealth manager and bank worldwide. It operates through five segments: Global Wealth Management, Personal & Corporate Banking, Asset Management, Investment Bank, and Non-Core and Legacy. The Global Wealth Management segment offers financial services, advice, and solutions; investment management, estate planning, and corporate advice services; and wealth management and banking products and services to private wealth and institutional customers. Its Personal & Corporate Banking segment provides banking, retirement, financing, investments, and strategic transactions to private, corporate, and institutional customers through its branch network and digital channels in Switzerland. The Asset Management segment offers diversified asset management services. Its Investment Bank segment provides equities, foreign exchange, precious metals, research, advisory, and capital markets services to institutional, corporate, financial sponsor, and Global Wealth Management customers, as well as focused rates and credit platform. The company also offers lending products, such as securities-based lending, mortgages, structured products, and tailored solutions; collateralized lending residential and commercial real estate, primarily against securities, residential and commercial real estate, other real assets (such as ships and aircraft), private market and hedge fund interest; and unsecured lending. The company was formerly known as UBS AG and changed its name to UBS Group AG in December 2014. UBS Group AG was founded in 1862 and is headquartered in Zurich, Switzerland.
Stock analysis
UBS Group (0R3T) currently trades at £39.22, while our model-based Fair Value estimate is £52.29, implying the stock looks roughly 25.0% undervalued today.
Show more
Valuation
Bull case: the Growth DCF group reads highest at a median of £177.30 per share, and 20 of the 24 models we run sit above the £39.22 price.
Bear case: the Dividend Discount group reads lowest at £6.87, and 4 of the 24 models stay below the price. Evidence for this calculation is high.
Scenario range: £43.59 (bear) to £89.52 (bull), the price of £39.22 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 64/100 (solid quality), in the Industrials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
UBS Group reported revenue of £39.6B in FY2023 versus £28.9B in FY2019, a compound +8.2%/yr. Reported net income was £27.8B in FY2023, compounding +59.5%/yr from FY2019.
Key figures
Market cap £58.7B · P/E ratio 0.1 · P/S ratio 0.05 · EPS (TTM) £2.13 · Dividend yield 2.8% · Net margin 70.3% · Return on equity 10.2% · Return on assets (EBIT) 0.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Industrials peers we cover trades at −24% fair-value upside, at 33%, 0R3T screens cheaper than that median.
Fair Value models
Bear £43.59
Fair Value £52.29
Bull £89.52
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
FCF DCF
£127.76
£182.00
£265.00
80
Growth DCF
£129.38
£177.30
£246.12
79
5Y EBITDA Exit
£76.31
£90.41
£105.61
77
All 24 models by family
DCF Models
FCF DCF
£127.76
£182.00
£265.00
80
5Y Revenue Exit
£73.14
£84.48
£97.30
74
5Y EBITDA Exit
£76.31
£90.41
£105.61
77
5Y P/E Exit
£133.19
£197.04
£263.97
71
10Y Revenue Exit
£91.59
£106.63
£124.22
68
10Y EBITDA Exit
£94.02
£110.75
£130.57
70
10Y P/E Exit
£130.31
£184.87
£251.69
64
Earnings-Based
Graham-Dodd
£50.82
£159.74
£212.66
64
Lynch FV
£34.95
£49.92
£64.90
61
PEG = 1.0
£34.95
£49.92
£64.90
57
EPV
£44.03
£46.16
£48.03
74
Dividend Discount
Gordon GGM
£4.14
£8.60
£13.65
66
DDM Multi-Stage
£4.14
£6.87
£9.03
66
Multiples
P/E Multiple
£117.71
£156.94
£196.18
63
P/S Multiple
£15.95
£21.26
£26.58
58
P/B Multiple
£77.99
£103.98
£129.98
55
EV/EBIT
£51.35
£58.05
£64.76
66
EV/EBITDA
£51.04
£57.63
£64.23
67
EV/Revenue
£44.64
£50.38
£56.12
54
Asset-Based
NCAV (Graham)
£11.55
£15.48
£23.11
54
Growth DCF
Growth DCF
£129.38
£177.30
£246.12
79
Economic Profit
Residual Income
£42.45
£53.78
£93.62
73
ROIC Compounder
£44.03
£46.16
£48.03
72
Growth Earnings
Growth-Adj P/E
£97.66
£139.51
£181.37
67
Notify me when 0R3T reaches fair value
Put 0R3T on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Overall quality
64/100
Of which business quality 60 · Market factors (momentum, volatility) 64
Profitability
47
Margins and returns on capital today
Quality Growth
75
Are margins and returns improving?
Cashflow
87
Earnings quality: real cash, not paper profit
Fin. Strength
13
Balance sheet, leverage, solvency risk
Investment
53
Disciplined investing over empire-building
Low Volatility
73
Calm price path (market factor)
Momentum
61
Price trend over the last 3–12 months (market factor)
52W Momentum
61
Distance to the 52-week high (market factor)
Net Issuance
100
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
67/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+15.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.7%
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.1%
’12
’13
’14
’15
’17
’18
’19
’20
’21
’22
’23
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
≈ +5.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.6%
Dividend (yield on the price)2.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.49.2% vs 25.6%, picking up
⚠ Rate on operating basis: 2023 sits 311% above its own trend.
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+2.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about +0.5% a year for the forecasts.
Forecast 2024 (sales)+2.6%
Forecast 2025 (sales)+2.6%
Forecast 2026 (sales)+2.6%
Forecast 2027 (sales)+3.4%
Projected 2028 (sales)+3.1%
Watch 0R3T, get fair value alerts →
Compare UBS Group with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: UK Stocks
- Valuation of the UK market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Weapons
Defense
Similar stocks
10 more Aerospace & Defense stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| General Electric Company GE | $312.29 | $92.61 | −70% |
| RTX Corporation RTX | $185.01 | $88.30 | −52% |
| Airbus SE AIR | €185.60 | €112.14 | −40% |
| Lockheed Martin Corporation LMT | $509.25 | $439.62 | −14% |
| Howmet Aerospace Inc HWM | $230.94 | $52.67 | −77% |
| General Dynamics Corporation GD | $334.16 | $274.19 | −18% |
| Northrop Grumman Corporation NOC | $504.61 | $382.98 | −24% |
| TransDigm Group TDG | $1,116 | $1,228 | +10% |
| Thales S.A HO | €222.70 | €170.99 | −23% |
| Rheinmetall AG RHM | €956.90 | €313.19 | −67% |
Explore undervalued stocks
More undervalued Industrials stocks →
All undervalued stocks
TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
🥇 Backtested Best
🏆 Big Names
⭐ Top Rated
💎 Quality on Sale
🚀 Profitable Growth
🧊 Quality Compounders
💵 Dividend Stars
📈 Strong Momentum
📉 Fallen Angels
⚖️ Deeply Undervalued
🔍 Small-Cap Gems
🏰 Moat at a Fair Price
💼 Insider Buying
🎩 Buffett-Style Quality
📚 Peter Lynch GARP
🧮 Greenblatt Magic Formula
🛡️ Graham Defensive
Discover tools
Stock screenerFilter by region, size and sector
Compare toolTwo stocks side by side
Extrinsic Value Calculator…Calculator with industry benchmark
Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
Frequently asked questions
Is UBS Group (0R3T) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of £52.29 versus a price of £39.22, about +33% upside (undervalued).
What is the fair value of 0R3T?
Our model-based fair value for UBS Group is £52.29 (as of Sep 29, 2026), built from audited fundamentals. The current price: £39.22.
What is the quality score of 0R3T?
UBS Group has a Quality Score of 64/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for UBS Group (0R3T)?
Our model-based price target is the fair value of £52.29 (as of Sep 29, 2026) from 24 valuation models. Cautious scenario £43.59, optimistic scenario £89.52. It is a calculation from audited fundamentals, not an analyst target.
What is the UBS Group stock forecast for 2026?
Our models put fair value at £52.29, about +33% upside versus a price of £39.22 (undervalued). Cautious scenario £43.59, optimistic scenario £89.52. The calculation is refreshed regularly with new filings.
What is the revenue of UBS Group (0R3T)?
UBS Group reported trailing-twelve-month revenue of about £51.3B (latest available figure, as of Sep 29, 2026).
Does UBS Group pay a dividend?
UBS Group currently shows a dividend yield of about 2.80% relative to its recent price (as of Sep 29, 2026).
What growth is priced into UBS Group (0R3T)?
For today's price to be fair in a discounted-cash-flow model, UBS Group would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.7 % per year. As of Sep 29, 2026.
What discount rate (WACC) does the fair value of 0R3T use?
Our models discount UBS Group at 9.4 %: a base by market capitalisation (large), damped by beta 0.84, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For UBS Group that is less than minus 40 % per year a year over ten years, using the same discount rate (9.4 %) and the same formula as our fair value.
How much growth has UBS Group (0R3T) delivered so far?
Over the past 5 years revenue at UBS Group grew +5.7 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of UBS Group (0R3T) growing?
The median revenue growth in the sector is +7.2 % a year. That is the yardstick for the growth priced into UBS Group (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of UBS Group (0R3T)?
The free-cash-flow yield on the price is 24.44 %: that much free cash flow UBS Group produces per unit of market value. When it exceeds the discount rate of our models (9.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of UBS Group (0R3T)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For UBS Group it is £52.29 per share (as of Sep 29, 2026), against a price of £39.22. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is UBS Group stock overvalued or undervalued in 2026?
As of Sep 29, 2026, 0R3T trades below its calculated fair value: price £39.22, fair value £52.29, a gap of about +33% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0R3T?
No. The price is what the market pays today (£39.22); the fair value is what the company's own numbers justify (£52.29). For UBS Group the two are £13.07 per share apart. That gap is exactly why we show both numbers side by side.
How much is UBS Group worth?
The market values UBS Group at about £58.7B (market capitalisation, as of Sep 29, 2026). Per share that is £39.22; our models calculate a fair value of £52.29 per share.
What do the bullish and bearish scenarios say about 0R3T?
Our models span a range for UBS Group: cautious scenario £43.59, base £52.29, optimistic £89.52 per share (as of Sep 29, 2026, price £39.22). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is 0R3T from its 52-week high?
UBS Group trades at £39.22, about 12% below its 52-week high of £44.71 and 34% above the low of £29.23 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of £52.29 is for.
Which stocks are comparable to UBS Group?
From the same area (Industrials) we also value General Electric Company, RTX Corporation, Airbus SE, Lockheed Martin Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is UBS Group stock attractive at the current price?
The data as of Sep 29, 2026: price £39.22, calculated fair value £52.29 (+33%), Quality Score 64/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0R3T calculated?
We run UBS Group through 24 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £52.29, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. UBS Group currently trades 25 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of UBS Group (0R3T)?
The closing price on Oct 2, 2026 was £39.22. Our model-based fair value is £52.29, about +33% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with UBS Group right now?
The price is below even our cautious bear case (£43.59). The market is more pessimistic than our downside scenario. Solid quality (64/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (£43.59 to £89.52) leaves room in how you read the outcome.
Where does the earnings growth of UBS Group (0R3T) come from?
Earnings per share at UBS Group grew +20.3 % a year from 2013 to 2023. Broken into its drivers: revenue per share +4.5 %, EBIT margin +6.6 %, tax rate +0.8 %, residual (interest, one-offs) +7.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of UBS Group
How large is the market capitalisation of UBS Group (0R3T)?
The market capitalisation of UBS Group is £58.7B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of UBS Group (0R3T)?
The price-to-earnings ratio of UBS Group is 0.1 (as of Aug 5, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of UBS Group (0R3T)?
The price-to-sales ratio of UBS Group is 0.05 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of UBS Group (0R3T)?
Earnings per share at UBS Group are £2.13 (price ÷ EPS = P/E 0.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of UBS Group (0R3T)?
The dividend yield of UBS Group is 2.8% (payout 51.7%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of UBS Group (0R3T)?
The net margin of UBS Group is 70.3% (fiscal year 2023). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of UBS Group (0R3T)?
The return on equity (ROE) of UBS Group is 10.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of UBS Group (0R3T)?
On an EBIT basis the return on assets of UBS Group is 0.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of UBS Group (0R3T)?
The operating margin of UBS Group is 31.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at UBS Group (0R3T)?
Revenue at UBS Group is growing +13.8% versus a year earlier (3y avg +6.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at UBS Group (0R3T)?
Earnings per share at UBS Group are growing +84.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does UBS Group (0R3T) hold?
UBS Group holds more cash than debt, £1.8B net (fiscal year 2023). The company holds more cash than debt, a safety cushion.
Free · no account needed
Continue in the live analysis
Fair value and trend for 35,000+ stocks, watchlist, comparison and the diversification check. You can also try 14 days of Pro there, no card.
Open the live analysis →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.