# UBS CDR (CAD Hedged) (UBSS.TO) fundamentals

Data as of 2026-11-04. TSX, Canada. Sector: Financial Services / Banks. Price C$31.01, market value C$188.9 billion.

## Valuation
- **P/E (trailing): 16.3×** (5-yr avg 24.0×, 3-yr avg 24.0×). UBS CDR (CAD Hedged) trades at 16.3× trailing earnings, well below its own five-year average of 24.0×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 3.6×**. Each dollar of revenue is priced at 3.6×.
- **Price / book: 3.0×**. The shares trade at 3.0× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 10.3%** (5-yr avg 10.5%). Free cash flow equals 10.3% of the market value, in line with its five-year average of 10.5%. Above 5% is generally attractive.
- **Earnings yield: 6.1%**. The inverse of the P/E: 6.1% of the price is earned each year.

## Profitability
- **Net margin: 16.4%**. 16.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 8.6%**. 8.6% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.6%**. Each dollar of assets produces 0.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 4.3%** (3-yr 12.4%/yr). Revenue grew 4.3% over the last year.
- **EPS growth (1 yr): 55.3%** (3-yr 1.6%/yr). Earnings per share rose 55.3%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 14.4%/yr**. Free cash flow has compounded at 14.4% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: C$211.0 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. UBS CDR (CAD Hedged) does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 35.0%** (YTD 11.7%, 3-mo -7.2%). The shares are up 35.0% over twelve months including dividends.
- **From 52-week high: -12.8%** (36.8% above the low). Trading 13% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 51**. An RSI of 51 is neutral.
- **Beta (1 yr): 0.19** (volatility 27%). Beta of 0.19 against the S&P/TSX Composite: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=UBSS.TO · Page: https://foliofundamentals.com/stocks/ubss.to

Not investment advice.