What makes UBS different from many others is that 50% of it business comes from fees from private wealth management. Investment banking accounts for 27% of all revenues while commodity banking services for personal and corporate clients contributes 15%. Asset management for corporate benefit plans takes up the remaining 8%.
In its core private wealth business, UBS has a loyal following among the world's wealthiest families. It takes about $10 million just to open a private bank relationship. Monthly fees are based on assets under management and do not vary greatly year to year.
Approximately 80% of its core income comes from recurring fees. UBS does not seek the highest absolute investment returns. Most clients are more concerned with capital preservation. This means that UBS enjoys some stability in its business.
UBS stock has fallen over 28% in 2016, pushing its $0.63 per share dividend to a yield of 4.5%. Dividend payments are limited to once a year so investors needing more frequent income will find their needs better met elsewhere.
UBS cut its dividend during the financial crisis and only recently began making payments again. Financial stocks usually employ a lot of leverage, which can make them riskier investments during recessions. As well, banks with heavy European exposure are being hit hard today, so investors should proceed with caution.
These are the corporate fundamentals and the dividend history compiled in two charts...
UBS Group -- Yield: 6.20%
UBS Group (NYSE:UBS) employs 60,093 people, generates revenue of $13,714.23 million and has a net income of $6,646.89 million. The current market capitalization stands at $55.59 billion.UBS Group’s earnings before interest, taxes, depreciation and amortization (EBITDA) amounts to $16,143.20 million. The EBITDA margin is 50.49% (the operating margin is 17.87% and the net profit margin 20.79%).
Financials: The total debt represents 18.84% of UBS Group assets and the total debt in relation to the equity amounts to 321.14%. Due to the financial situation, a return on equity of 11.71% was realized by UBS Group.
Twelve trailing months earnings per share reached a value of $1.29. Last fiscal year, UBS Group paid $0.88 in the form of dividends to shareholders.
Market Valuation: Here are the price ratios of the company: The P/E ratio is 10.90, the P/S ratio is 1.61 and the P/B ratio is finally 0.88. The dividend yield amounts to 6.20%.
Stock Charts:
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| Long-Term Stock Price Chart of UBS Group (UBS) |
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| Long-Term Dividend Payment History of UBS Group (UBS) |
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| Long-Term Dividend Yield History of UBS Group (UBS) |
These are several high yielding competitors of UBS...
HSBC -- Yield: 8.57%
HSBC (NYSE:HSBC) employs 255,203 people, generates revenue of $47,189.00 million and has a net income of $15,096.00 million. The current market capitalization stands at $142.45 billion.HSBC’s earnings before interest, taxes, depreciation and amortization (EBITDA) amounts to $21,301.00 million. The EBITDA margin is 32.44% (the operating margin is 28.73% and the net profit margin 22.99%).
Financials: The total debt represents 12.91% of HSBC assets and the total debt in relation to the equity amounts to 165.11%. Due to the financial situation, a return on equity of 6.64% was realized by HSBC.
Twelve trailing months earnings per share reached a value of $2.17. Last fiscal year, HSBC paid $2.55 in the form of dividends to shareholders.
Market Valuation: Here are the price ratios of the company: The P/E ratio is 16.48, the P/S ratio is 2.17 and the P/B ratio is finally 0.74. The dividend yield amounts to 8.57%.
Stock Charts:
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| Long-Term Stock Price Chart of HSBC (HSBC) |
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| Long-Term Dividend Payment History of HSBC (HSBC) |
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| Long-Term Dividend Yield History of HSBC (HSBC) |
Credit Suisse -- Yield: 6.03%
Credit Suisse (NYSE:CS) employs 47,180 people, generates revenue of $20,128.01 million and has a net income of $-3,064.84 million. The current market capitalization stands at $26.23 billion.Credit Suisse’s earnings before interest, taxes, depreciation and amortization (EBITDA) amounts to $17,379.54 million. The EBITDA margin is 73.33% (the operating margin is -10.63% and the net profit margin -12.93%).
Financials: The total debt represents 26.86% of Credit Suisse assets and the total debt in relation to the equity amounts to 496.74%. Due to the financial situation, a return on equity of -6.70% was realized by Credit Suisse.
Twelve trailing months earnings per share reached a value of $-2.74. Last fiscal year, Credit Suisse paid $0.73 in the form of dividends to shareholders.
Market Valuation: Here are the price ratios of the company: The P/E ratio is not calculable, the P/S ratio is 1.05 and the P/B ratio is finally 0.50. The dividend yield amounts to 6.03%.
Stock Charts:
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| Long-Term Stock Price Chart of Credit Suisse (CS) |
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| Long-Term Dividend Payment History of Credit Suisse (CS) |
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| Long-Term Dividend Yield History of Credit Suisse (CS) |
Westpac Banking -- Yield: 5.98%
Westpac Banking (NYSE:WBK) employs 34,677 people, generates revenue of $24,621.66 million and has a net income of $6,151.03 million. The current market capitalization stands at $78.81 billion.Westpac Banking’s earnings before interest, taxes, depreciation and amortization (EBITDA) amounts to $15,559.79 million. The EBITDA margin is 94.30% (the operating margin is 52.75% and the net profit margin 37.28%).
Financials: The total debt represents 23.79% of Westpac Banking assets and the total debt in relation to the equity amounts to 363.86%. Due to the financial situation, a return on equity of 15.77% was realized by Westpac Banking.
Twelve trailing months earnings per share reached a value of $1.85. Last fiscal year, Westpac Banking paid $1.42 in the form of dividends to shareholders.
Market Valuation: Here are the price ratios of the company: The P/E ratio is 12.60, the P/S ratio is 4.64 and the P/B ratio is finally 1.80. The dividend yield amounts to 5.98%.
Stock Charts:
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| Long-Term Stock Price Chart of Westpac Banking (WBK) |
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| Long-Term Dividend Payment History of Westpac Banking (WBK) |
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| Long-Term Dividend Yield History of Westpac Banking (WBK) |
Banco Santander -- Yield: 5.48%
Banco Santander (NYSE:SAN) employs 191,138 people, generates revenue of $64,776.90 million and has a net income of $8,305.78 million. The current market capitalization stands at $63.84 billion.Banco Santander’s earnings before interest, taxes, depreciation and amortization (EBITDA) amounts to $17,506.23 million. The EBITDA margin is 28.68% (the operating margin is 17.71% and the net profit margin 13.61%).
Financials: The total debt represents 16.88% of Banco Santander assets and the total debt in relation to the equity amounts to 256.91%. Due to the financial situation, a return on equity of 6.74% was realized by Banco Santander.
Twelve trailing months earnings per share reached a value of $0.39. Last fiscal year, Banco Santander paid $ in the form of dividends to shareholders.
Market Valuation: Here are the price ratios of the company: The P/E ratio is 11.13, the P/S ratio is 0.98 and the P/B ratio is finally 0.60. The dividend yield amounts to 5.48%.
Stock Charts:
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| Long-Term Stock Price Chart of Banco Santander (SAN) |
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| Long-Term Dividend Payment History of Banco Santander (SAN) |
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| Long-Term Dividend Yield History of Banco Santander (SAN) |
Lloyds Banking Group -- Yield: 4.48%
Lloyds Banking Group (NYSE:LYG) employs 74,117 people, generates revenue of $23,029.76 million and has a net income of $1,249.87 million. The current market capitalization stands at $56.88 billion.Lloyds Banking Group’s earnings before interest, taxes, depreciation and amortization (EBITDA) amounts to $11,037.03 million. The EBITDA margin is 44.62% (the operating margin is 8.69% and the net profit margin 5.05%).
Financials: The total debt represents 14.16% of Lloyds Banking Group assets and the total debt in relation to the equity amounts to 245.25%. Due to the financial situation, a return on equity of 1.15% was realized by Lloyds Banking Group.
Twelve trailing months earnings per share reached a value of $0.11. Last fiscal year, Lloyds Banking Group paid $0.12 in the form of dividends to shareholders.
Market Valuation: Here are the price ratios of the company: The P/E ratio is 29.60, the P/S ratio is 2.10 and the P/B ratio is finally 0.87. The dividend yield amounts to 4.48%.
Stock Charts:
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| Long-Term Stock Price Chart of Lloyds Banking Group (LYG) |
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| Long-Term Dividend Payment History of Lloyds Banking Group (LYG) |
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| Long-Term Dividend Yield History of Lloyds Banking Group (LYG) |
Barclays PLC -- Yield: 4.46%
Barclays PLC (NYSE:BCS) employs 129,400 people, generates revenue of $22,488.49 million and has a net income of $814.51 million. The current market capitalization stands at $37.83 billion.Barclays PLC’s earnings before interest, taxes, depreciation and amortization (EBITDA) amounts to $10,409.48 million. The EBITDA margin is 29.20% (the operating margin is 7.60% and the net profit margin 2.29%).
Financials: The total debt represents 10.33% of Barclays PLC assets and the total debt in relation to the equity amounts to 193.37%. Due to the financial situation, a return on equity of -0.66% was realized by Barclays PLC.
Twelve trailing months earnings per share reached a value of $-0.34. Last fiscal year, Barclays PLC paid $0.34 in the form of dividends to shareholders.
Market Valuation: Here are the price ratios of the company: The P/E ratio is not calculable, the P/S ratio is 1.00 and the P/B ratio is finally 0.45. The dividend yield amounts to 4.46%.
Stock Charts:
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| Long-Term Stock Price Chart of Barclays PLC (BCS) |
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| Long-Term Dividend Payment History of Barclays PLC (BCS) |
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| Long-Term Dividend Yield History of Barclays PLC (BCS) |