UBS Group AG Registered UBS

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
16/100
Weak

Ranked against 31 peers in Banks - Diversified

About UBS Group AG Registered

UBS Group AG provides financial advice and solutions to private, institutional, and corporate clients worldwide. It operates through five divisions: Global Wealth Management, Personal & Corporate Banking, Asset Management, Investment Bank, and Non-core and Legacy. The company offers investment advice, estate and wealth planning, investing, corporate and banking, and investment management, as well as mortgage, securities-based, and structured lending solutions. … Full UBS analysis →

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.06).
  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.07).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Weak
5
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Where UBS ranks in Banks - Diversified

UBS Group AG Registered ranks #19 of 19 scored companies in Banks - Diversified by moat score — the top 100%. The widest moat in the group is Bank of N.T. Butterfield & Son (NTB) at 75/100.

# Company Moat score Rating
11 Banco Santander, S.A. Sponsored SAN 50/100 Moderate
12 Bank of America Corporation BAC 49/100 Developing
13 ING Group, N.V. ING 47/100 Developing
14 Sumitomo Mitsui Financial Group SMFG 46/100 Developing
15 Barclays PLC BCS 42/100 Developing
16 Bank Of Montreal BMO 27/100 Developing
17 Citigroup, Inc. C 25/100 Developing
18 Bank Nova Scotia Halifax Pfd 3 BNS 21/100 Weak
19 UBS Group AG Registered UBS 16/100 Weak

See every Banks & Lenders company ranked by moat score →

How UBS scores on the Bank Specialized defenses

Deposit Franchise

Score 5 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 26 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 6 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 12 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 36 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 20 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding UBS's moat

What is UBS Group AG Registered's moat score?

UBS Group AG Registered (UBS) scores 16 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as weak. It ranks #19 of 19 scored companies in Banks - Diversified, the top 100%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 31 companies in Banks - Diversified. Its strongest defense is Revenue Diversification (36/100) and its weakest is Deposit Franchise (5/100).

How does UBS Group AG Registered compare with other Banks - Diversified companies?

UBS Group AG Registered ranks #19 of 19 scored companies in Banks - Diversified by moat score. The widest moat in Banks - Diversified is Bank of N.T. Butterfield & Son (NTB) at 75/100. The companies ranked closest are Bank Nova Scotia Halifax Pfd 3 (BNS) at 21 just above it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 31 companies in Banks - Diversified. The defenses are then weighted to produce the overall score out of 100.

Why is UBS Group AG Registered scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for UBS Group AG Registered?

The Bank Specialized template measures 6 defenses, and UBS scores: Deposit Franchise (5), Lending Advantage (26), Capital Strength (6), Cost Discipline (12), Revenue Diversification (36), Risk Management (20). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

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