UBS Group AG (HAM:0UB) Moat Score: 6/10 (As of Jul. 03, 2026)


HAM:0UB UBS Group AG HAM:0UB
65 GF Score
Price €44.70
GF Value €32.44
Valuation Significantly Overvalued
! 5 Warning Signs
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What is UBS Group AG Moat Score?

UBS Group AG HAM:0UB +2.26% 65 Moat Score is 6 as of Jul. 03, 2026. GuruFocus rates HAM:0UB with a GF Score™ of 65/100 and a GF Value™ of €32.44 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,611 Banks companies, UBS Group AG ranks better than 97.83% on this metric.

UBS Group AG has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

UBS Group AG has Narrow Moat: UBS Group AG has a strong narrow moat due to its significant market share in global wealth management and investment banking. It benefits from brand strength and customer loyalty, but faces intense competition. While it has some regulatory advantages and economies of scale, these are not sufficient to classify it as a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes UBS Group AG might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

UBS Group AG  (HAM:0UB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

UBS Group AG Moat Score Related Terms

HAM:0UB vs JPM, BAC, WFC: Moat Score Comparison

For the Banks - Diversified subindustry, UBS Group AG's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, UBS Group AG's Moat Score distribution charts can be found below:

* The bar in red indicates where UBS Group AG's Moat Score falls into.


HAM:0UB
65GF Score
UBS Group AG HAM:0UB
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
UBS Group AG (HAM:0UB) has a Moat Score of 6 as of Jul. 03, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, UBS Group AG ranks #35 out of 1611 companies in the Banks industry, placing it in the top 2.2%.
Is UBS Group AG's Moat Score too high?
UBS Group AG's current Moat Score is 6. Based on the distribution chart, UBS Group AG ranks #35 out of 1611 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, UBS Group AG has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does UBS Group AG's Moat Score compare to JPM and BAC?
According to the Banks industry distribution chart, UBS Group AG ranks #35 out of 1611 companies for Moat Score. This places UBS Group AG in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. UBS Group AG's current Moat Score is 6. 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 (HAM:0UB) is currently considered Significantly Overvalued. The stock's GF Value™ is €32.44, compared to a current price of €44.70 — trading 37.8% above its estimated fair value. The current Moat Score is 6. UBS Group AG's overall GF Score™ is 65/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For UBS Group AG (HAM:0UB), the current Moat Score is 6 as of Jul. 03, 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 (HAM:0UB) Overvalued in 2026?

Based on GuruFocus' analysis, UBS Group AG stock appears to be overvalued. The current stock price of €44.70 is trading 37.8% above its estimated GF Value™ of €32.44. GuruFocus considers UBS Group AG to be Significantly Overvalued.

Key valuation signals for HAM:0UB:

  • Moat Score: 6
  • GF Value™: €32.44 vs. price of €44.70 (37.8% above fair value)
  • GF Score™: 65/100 with 5 warning signs

No single metric tells the full story. See the HAM:0UB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

UBS Group AG Business Description

Address Bahnhofstrasse 45, Zurich, CHE, CH-8001
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.
65GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€44.70
Price
€32.44
GF Value