UBS Group (NYSE:UBS) Announces Earnings Results, Beats Estimates By $0.12 EPS

UBS Group (NYSE:UBS) announced its quarterly earnings results on Wednesday. The bank reported $0.37 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.25 by $0.12, FiscalAI reports. UBS Group had a net margin of 11.02% and a return on equity of 8.31%. The company had revenue of $12.20 billion during the quarter, compared to analyst estimates of $9.88 billion. During the same quarter in the previous year, the business earned $0.23 EPS. The firm’s revenue was up 10.3% on a year-over-year basis.

Here are the key takeaways from UBS Group’s conference call:

• Strong 2025 financial performance: Underlying pre-tax profit rose to CHF 2.9bn (up 62% y/y), total revenues +10% and group invested assets exceeded CHF 7tn, supporting improved metrics (cost-income ~75%, RO CET1 11.9%).
• Integration and cost program on track but still intense: Gross cost-savings ambition increased to CHF 13.5bn (CHF 500m incremental) with a 1.1x cost-to-achieve; however, final Swiss-book client migrations and ~CHF 2bn more integration spend in 2026 mean most net saves are weighted to H2 2026.
• Capital returns and balance-sheet actions: Group CET1 ~14.4%, parent bank upstreamed ~CHF 9bn, ordinary dividend up 22% to $1.10, and management intends at least CHF 3bn of share buybacks in 2026 with scope to do more.
• Diversified franchise momentum: Global Wealth Management (invested assets CHF 4.8tn; CHF 101bn NNA FY) and the Investment Bank (record 2025 revenues CHF 11.8bn) delivered strong growth and capital-light revenue expansion, reinforcing the firm’s diversified earnings base.
• P&C net interest income headwinds and credit outlook: Personal & Corporate Banking NII fell (Q4 NII -10%), pre-tax profit down 5% in the quarter, and management expects quarterly credit loss expense in Switzerland of ~CHF 75m on average amid a challenging domestic outlook.

UBS Group Stock Performance

Shares of NYSE:UBS traded down $2.68 during trading on Wednesday, hitting $44.99. 1,840,023 shares of the company were exchanged, compared to its average volume of 2,131,855. UBS Group has a 52-week low of $25.75 and a 52-week high of $49.36. The stock has a 50 day moving average of $45.20 and a 200 day moving average of $41.40. The company has a debt-to-equity ratio of 3.69, a current ratio of 1.03 and a quick ratio of 1.03. The company has a market cap of $140.55 billion, a PE ratio of 20.30, a P/E/G ratio of 0.45 and a beta of 1.12.

Institutional Inflows and Outflows

Hedge funds have recently made changes to their positions in the company. Larson Financial Group LLC increased its position in shares of UBS Group by 118.4% during the 3rd quarter. Larson Financial Group LLC now owns 821 shares of the bank’s stock valued at $34,000 after purchasing an additional 445 shares during the last quarter. JPL Wealth Management LLC bought a new position in UBS Group during the third quarter valued at approximately $37,000. Geneos Wealth Management Inc. raised its stake in shares of UBS Group by 62.0% during the first quarter. Geneos Wealth Management Inc. now owns 1,497 shares of the bank’s stock worth $46,000 after acquiring an additional 573 shares in the last quarter. Newbridge Financial Services Group Inc. lifted its holdings in shares of UBS Group by 215.0% in the 3rd quarter. Newbridge Financial Services Group Inc. now owns 1,575 shares of the bank’s stock worth $65,000 after acquiring an additional 1,075 shares during the last quarter. Finally, MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. lifted its holdings in shares of UBS Group by 18.6% in the 1st quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 4,518 shares of the bank’s stock worth $137,000 after acquiring an additional 708 shares during the last quarter.

More UBS Group News

Here are the key news stories impacting UBS Group this week:

• Positive Sentiment: UBS reported stronger-than-expected Q4 results and a 56% YoY jump in quarterly net profit, and posted USD 7.8bn in FY25 net profit — data investors view as proof the Credit Suisse integration is producing earnings lift. UBS reports Q4 net profit of $1.2 billion, beating expectations
• Positive Sentiment: The bank announced a $3 billion share buyback for 2026 and a 22% dividend increase, signaling management is prepared to return capital to shareholders as capital metrics permit — a clear near-term catalyst for the stock. UBS Boosts Shareholder Returns with $3B Buyback after Beating Q4 Profit Expectations
• Positive Sentiment: UBS said it increased profit, dividend and long-term targets and described strengthened capital buffers — factors supportive of future buybacks/dividends if Swiss rules allow. UBS reports net profit of USD 1.2bn in 4Q25 and USD 7.8bn in FY25
• Neutral Sentiment: UBS filed its Form 6-K and posted the Q4 presentation / slide deck — useful for modeling but not market-moving by itself. UBS Files Form 6-K Detailing Fourth-Quarter 2025 Results Presentation
• Negative Sentiment: Reported EPS ($0.37) missed consensus, creating short-term disappointment despite the revenue beat; some analysts flagged the earnings-per-share weakness versus expectations. UBS Q4 earnings summary and transcript
• Negative Sentiment: UBS warned of further outflows in its U.S. wealth unit after adviser exits — a revenue and profit headwind for the wealth-management franchise in H1 2026. UBS sees more outflows from US wealth unit after adviser exits
• Negative Sentiment: Management flagged planned Swiss headcount reductions later in 2026 and ongoing regulatory uncertainty in Switzerland — these raise execution and capital-rule risk that could limit future buybacks. UBS Swiss job cuts coming later in 2026, CEO says
• Negative Sentiment: At least one major broker maintained a Sell rating citing regulatory capital headwinds despite the operational beat — a reminder that analyst views remain mixed. UBS Group AG: Solid Operational Beat but Regulatory Capital Headwinds Justify Maintained Sell Rating

Analyst Ratings Changes

Several analysts have commented on UBS shares. Keefe, Bruyette & Woods downgraded shares of UBS Group from a “hold” rating to a “moderate sell” rating in a report on Friday, November 7th. BNP Paribas Exane cut UBS Group from a “strong-buy” rating to a “hold” rating in a research report on Tuesday, November 4th. Weiss Ratings reissued a “buy (b)” rating on shares of UBS Group in a research report on Wednesday, January 21st. Morgan Stanley restated an “underweight” rating on shares of UBS Group in a research note on Monday, November 24th. Finally, Bank of America raised UBS Group from a “neutral” rating to a “buy” rating and boosted their price target for the stock from $44.00 to $60.30 in a research report on Tuesday, December 16th. One analyst has rated the stock with a Strong Buy rating, five have assigned a Buy rating, four have given a Hold rating and one has issued a Sell rating to the company’s stock. According to data from MarketBeat.com, the company has an average rating of “Moderate Buy” and an average price target of $60.30.

About UBS Group

UBS Group AG is a Swiss multinational financial services firm that provides a broad range of banking and capital markets services to private, institutional and corporate clients. Headquartered in Zurich, UBS operates as a universal bank with a primary focus on wealth management, asset management, investment banking and retail and commercial banking in Switzerland. The firm serves high-net-worth and ultra-high-net-worth individuals, pension funds, corporations and institutional investors through a global network of offices.

Key business activities include global wealth management—offering financial planning, investment advisory, discretionary portfolio management and custody services—alongside asset management products for institutional and retail investors.