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UBS Group AGXSWX:UBSG -0.65%57 Debt-to-Equity is 3.93 as of Jun. 2026, which is 7% above its 10-year median of 3.69. GuruFocus rates XSWX:UBSG with a GF Score™ of 57/100 and a GF Value™ of CHF21.27 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,421 Banks companies, UBS Group AG ranks worse than 95.07% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for UBS Group AG's Debt-to-Equity or its related term are showing as below:
XSWX:UBSG'
s Debt-to-Equity Range Over the Past 10 Years
Min: 2.85 Med: 3.69 Max: 4.41
Current: 3.93
During the past 13 years, the highest Debt-to-Equity Ratio of UBS Group AG was 4.41. The lowest was 2.85. And the median was 3.69.
XSWX:UBSG's Debt-to-Equity is ranked worse than 95.07% of 1421
companies
in the Banks industry
Industry Median: 0.58
vs XSWX:UBSG: 3.93
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
UBS Group AG Debt-to-Equity Related Terms
UBS Group AG Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for UBS Group AG's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
XSWX:UBSG vs JPM, BAC, WFC: Debt-to-Equity Comparison
For the Banks - Diversified subindustry, UBS Group AG's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
UBS Group AG Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, UBS Group AG's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where UBS Group AG's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UBS Group AG (XSWX:UBSG) has a Debt-to-Equity of 3.93 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on UBS Group AG and its competitors. This is near median its historical median of 3.69. Over the past decade, UBS Group AG's Debt-to-Equity has ranged from 2.85 to 4.41. According to the industry distribution chart, UBS Group AG ranks #1351 out of 1421 companies in the Banks industry, placing it in the top 95.1%.
Is UBS Group AG's Debt-to-Equity too high?
UBS Group AG's current Debt-to-Equity of 3.93 is near median its 10-year median of 3.69. Over the past 10 years, this metric has ranged from a low of 2.85 to a high of 4.41. The Banks industry median Debt-to-Equity is 0.58. UBS Group AG's value of 3.93 is 577.6% above this industry median. Based on the distribution chart, UBS Group AG ranks #1351 out of 1421 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, UBS Group AG has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UBS Group AG's Debt-to-Equity compare to JPM and BAC?
According to the Banks industry distribution chart, UBS Group AG ranks #1351 out of 1421 companies for Debt-to-Equity. This places UBS Group AG in the lower half of its industry. The industry median Debt-to-Equity is 0.58. UBS Group AG's value of 3.93 is 577.6% above this benchmark. Historically, UBS Group AG's own Debt-to-Equity has ranged from 2.85 to 4.41 over the past decade. While the company's 10-year median is 3.69 vs. the industry median of 0.58, UBS Group AG has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.58, based on 1,421 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UBS Group AG's current Debt-to-Equity of 3.93 is 577.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on UBS Group AG and its competitors. For the Banks industry, the median Debt-to-Equity is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UBS Group AG's current Debt-to-Equity is 3.93, which is near median its own 10-year median of 3.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UBS Group AG stock overvalued right now?
Based on GuruFocus' analysis, UBS Group AG (XSWX:UBSG) is currently considered Significantly Overvalued. The stock's GF Value™ is CHF21.27, compared to a current price of CHF43.05 — trading 102.4% above its estimated fair value. The current Debt-to-Equity is 3.93, which is near median its 10-year median of 3.69 and 577.6% above the Banks industry median of 0.58. UBS Group AG's overall GF Score™ is 57/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For UBS Group AG (XSWX:UBSG), the current Debt-to-Equity is 3.93 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UBS Group AG (XSWX:UBSG) Overvalued in 2026?
Based on GuruFocus' analysis, UBS Group AG stock appears to be overvalued.
The current stock price of CHF43.05 is trading 102.4% above its estimated GF Value™ of CHF21.27.
GuruFocus considers UBS Group AG to be Significantly Overvalued.
Key valuation signals for XSWX:UBSG:
Debt-to-Equity: 3.93 (near median its 10-year median of 3.69)
GF Value™: CHF21.27 vs. price of CHF43.05 (102.4% above fair value)
Industry Position: 577.6% above the Banks median (#1351 of 1421)
No single metric tells the full story. See the XSWX:UBSG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
UBS is a global financial institution built around its core strength in wealth management, serving high and ultra-high-net-worth individuals. In Switzerland, it also operates as a traditional retail and commercial bank. Its investment bank and asset management divisions complement the wealth business, providing tailored solutions to UBS clients while serving third-party customers by leveraging UBS' global reach and expertise.
57GF Score
Get the complete analysis for XSWX:UBSG
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