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UBS Group
UBS Group (UBSG) investor relations material
UBS Group Q4 2025 (Media) earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 (Media) earnings summary4 Feb, 2026
Executive summary
Management addressed capital upstreaming, integration progress, regulatory matters, and business outlook, expressing confidence in strategic targets despite market and regulatory headwinds.
Net profit for 4Q25 was USD 1.2bn, up 56% YoY; FY25 net profit reached USD 7.8bn, up 53% YoY.
Diluted EPS for 4Q25 was USD 0.37 (up 61% YoY); FY25 diluted EPS was USD 2.36 (up 55% YoY).
Group invested assets surpassed USD 7trn for the first time, up 15% YoY.
Integration of Credit Suisse is progressing, with ~85% of Swiss-booked accounts migrated, lower-than-expected client attrition, and cost synergies raised to USD 13.5bn.
Financial highlights
4Q25 profit before tax (PBT) was USD 1.7bn; underlying PBT was USD 2.87bn, both up 62% YoY.
FY25 reported PBT was USD 8.85bn; underlying PBT was USD 11.73bn, up 30% and 33% YoY, respectively.
CHF 9bn dividend accrued at UBS AG, with CHF 4.5bn to be paid in the first half and the remainder under review.
CHF 13bn was upstreamed in 2024, and CHF 9bn is expected for the current year.
A loss was booked on the O'Connor sale and a USD 457m net loss on the USD 8.5bn repurchase of Credit Suisse legacy debt.
Outlook and guidance
On track to complete Credit Suisse integration by end-2026, with further cost synergies of USD 2.8bn expected in 2026.
2026 exit rate targets: underlying RoCET1 ~15%, underlying cost/income ratio <70%.
2028 ambitions: reported RoCET1 ~18%, cost/income ratio ~67%, and net new assets targeted at CHF 200bn as headwinds subside.
Dividend per share planned to increase by mid-teens percent in 2026; USD 3bn share repurchase planned for 2026.
Underlying cost income ratio below 50% by end of 2026 is likely delayed due to Swiss franc interest rate headwinds.
How will 2026 cost saves be weighted?
When do you expect clarity on Swiss regulatory regime?
What caused GWM Americas outflows in FY25?
What delays P&C cost/income ratio target?
Why is UBS AG capital upstreaming constrained?
What limits UBS's Barofsky investigation aid?
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Next UBS Group earnings date
Q1 20265 May, 2026
UBS Group
Next UBS Group earnings date
Q1 20265 May, 2026
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Frequently asked questions
One of the oldest and most established banks in the worldÂ
UBS Group is a global financial services company based in Switzerland, with a focus on providing wealth management, investment banking, and asset management services to clients around the world. The company was founded in 1862 and has since become one of the largest and most respected banks in the world.
The business model
UBS Group's business model is based on providing a comprehensive range of financial services to its clients, including private banking, investment banking, and asset management. The company focuses on building long-term relationships with its clients, providing personalized advice and solutions that meet their specific needs and goals.
How UBS Group makes money
UBS Group generates revenue primarily through fees charged for its financial services, as well as through commissions on transactions and trading activities. The company's revenue is also generated through its global network of branches and offices, which allows it to serve clients in major financial centers around the world.
Interesting facts about UBS Group
UBS Group is one of the oldest and most established banks in the world, with a rich history that spans over 150 years. The company was one of the pioneers of online banking, launching its first online banking platform in 1997. In addition, UBS Group has been at the forefront of the transition to sustainable investing, offering its clients a range of sustainable investment products and solutions. Three competitors of UBS Group in the financial services industry include JPMorgan Chase, Bank of America, and Credit Suisse.
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