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NWG vs UBS
Which Stock Would AI Choose? NatWest Group (NWG) vs. UBS Group (UBS) Stock Comparison
Key Takeaways
- NWG trades at a lower P/E ratio of 8.61 compared to UBS's 17.87, indicating potentially better value in the current market.
- NWG provides a higher dividend yield of 5.59% versus UBS's 2.61%, appealing to income-focused investors.
- Both stocks exhibit YTD gains around 7%, with recent one-month momentum favoring UBS slightly at approximately 8% versus NWG's 5%.
- NWG reports a stronger return on equity (ROE) of 14.23% compared to UBS's 8.86%.
- NWG maintains a robust Common Equity Tier 1 (CET1) capital ratio of 14%, while UBS faces proposed regulatory increases in capital requirements.
Introduction
This stock comparison examines NWG and UBS, two prominent European banking giants with distinct footprints in retail, commercial, and investment banking. NatWest Group (NWG) focuses on UK-centric operations, while UBS Group (UBS) offers global wealth management and investment banking exposure. Traders seeking relative performance insights and investors eyeing sector rotation between value-oriented retail banking and diversified universal banking will find this analysis relevant. In the current market environment, characterized by interest rate stabilization and regulatory scrutiny, understanding their price behavior, sentiment shifts, and growth drivers provides a clearer picture of opportunities and risks.
NWG Overview and Recent Performance
NatWest Group (NWG), one of the UK's leading retail and commercial banks, has demonstrated resilience amid economic headwinds. Trading around $15.67 with a market cap of $62.4 billion, it boasts a low P/E ratio of 8.61 and a generous dividend yield of 5.59%. In recent market activity, the stock has gained about 5% over the past month, supported by strong 2025 results including a 24% rise in profit before tax to £7.7 billion, a CET1 (Common Equity Tier 1 capital ratio) of 14%, and return on tangible equity (RoTE) of 19.2%. Key developments include a partnership with Sainsbury's to expand retail banking and positive analyst focus on its dividend growth potential. Sentiment has been bolstered by its value positioning and capital strength, though a recent downgrade by Keefe Bruyette reflects caution on valuation.
UBS Overview and Recent Performance
UBS Group (UBS), a Swiss-based global investment bank and wealth manager, continues to integrate its Credit Suisse acquisition while navigating regulatory landscapes. The stock trades near $42.17, with a market cap of $130.4 billion, P/E of 17.87, and dividend yield of 2.61%. Recent weeks have seen approximately 8% monthly gains, aligning with YTD performance of 7%, driven by supportive macro conditions for equities. However, Swiss regulators' proposals for higher CET1 capital requirements—potentially adding $20 billion—pose headwinds, with UBS estimating impacts on its capital ratio. Wealth management assets under management (AUM) remain a growth driver, but integration costs and policy shifts have tempered sentiment in recent activity.
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Head-to-Head Comparison
NWG and UBS differ markedly in business models: NWG's UK retail and commercial focus contrasts UBS's global investment banking and wealth management emphasis, with the latter benefiting from higher AUM (assets under management) but exposed to market volatility. Growth drivers include NWG's retail expansion via partnerships and UBS's post-merger synergies. Recent momentum shows both advancing, but UBS with stronger one-year returns around 38% versus NWG's 19%. Risk factors tilt toward UBS due to regulatory capital hikes, while NWG enjoys sector stability. Market sentiment favors NWG for value and dividends, positioning it for income trade-offs against UBS's growth potential.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward NWG based on superior valuation metrics, higher dividend yield, elevated ROE, and a stable CET1 position amid UBS's regulatory uncertainties. Trend consistency and relative stability suggest NWG may offer higher probability of outperformance in the near term, particularly for value-oriented strategies, though UBS retains upside from global catalysts.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is NWG is a StrongBuy and UBS is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
NWG’s FA Score shows that 3 FA rating(s) are green whileUBS’s FA Score has 2 green FA rating(s).
- NWG’s FA Score: 3 green, 2 red.
- UBS’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
NWG’s TA Score shows that 6 TA indicator(s) are bullish while UBS’s TA Score has 5 bullish TA indicator(s).
- NWG’s TA Score: 6 bullish, 4 bearish.
- UBS’s TA Score: 5 bullish, 4 bearish.
Price Growth
NWG (@Regional Banks) experienced а +6.25% price change this week, while UBS (@Major Banks) price change was +3.21% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +0.73%. For the same industry, the average monthly price growth was +5.09%, and the average quarterly price growth was +12.91%.
The average weekly price growth across all stocks in the @Major Banks industry was +0.98%. For the same industry, the average monthly price growth was +7.87%, and the average quarterly price growth was +16.30%.
Reported Earning Dates
NWG is expected to report earnings on Jul 31, 2026.
UBS is expected to report earnings on Jul 29, 2026.
Industries' Descriptions
@Regional Banks (+0.73% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
@Major Banks (+0.98% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
| NWG | UBS | NWG / UBS | |
| Capitalization | 67.2B | 168B | 40% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 4.355 | 13.313 | 33% |
| P/E Ratio | 9.48 | 18.33 | 52% |
| Revenue | 17B | 49.1B | 35% |
| Total Cash | N/A | 210B | - |
| Total Debt | 6.64B | 344B | 2% |
NWG | UBS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 31 | 40 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 18 Undervalued | 72 Overvalued | |
PROFIT vs RISK RATING 1..100 | 12 | 12 | |
SMR RATING 1..100 | 7 | 8 | |
PRICE GROWTH RATING 1..100 | 45 | 40 | |
P/E GROWTH RATING 1..100 | 45 | 62 | |
SEASONALITY SCORE 1..100 | 75 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
NWG's Valuation (18) in the Major Banks industry is somewhat better than the same rating for UBS (72). This means that NWG’s stock grew somewhat faster than UBS’s over the last 12 months.
NWG's Profit vs Risk Rating (12) in the Major Banks industry is in the same range as UBS (12). This means that NWG’s stock grew similarly to UBS’s over the last 12 months.
NWG's SMR Rating (7) in the Major Banks industry is in the same range as UBS (8). This means that NWG’s stock grew similarly to UBS’s over the last 12 months.
UBS's Price Growth Rating (40) in the Major Banks industry is in the same range as NWG (45). This means that UBS’s stock grew similarly to NWG’s over the last 12 months.
NWG's P/E Growth Rating (45) in the Major Banks industry is in the same range as UBS (62). This means that NWG’s stock grew similarly to UBS’s over the last 12 months.
| NWG | UBS | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 64% | 2 days ago 32% |
| Stochastic ODDS (%) | 2 days ago 59% | 2 days ago 52% |
| Momentum ODDS (%) | 2 days ago 79% | 2 days ago 71% |
| MACD ODDS (%) | 2 days ago 68% | 2 days ago 78% |
| TrendWeek ODDS (%) | 2 days ago 68% | 2 days ago 65% |
| TrendMonth ODDS (%) | 2 days ago 68% | 2 days ago 57% |
| Advances ODDS (%) | 2 days ago 70% | 2 days ago 65% |
| Declines ODDS (%) | 27 days ago 58% | 27 days ago 63% |
| BollingerBands ODDS (%) | 2 days ago 52% | 2 days ago 42% |
| Aroon ODDS (%) | 2 days ago 65% | 2 days ago 54% |
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NWG and
Correlation & Price change
A.I.dvisor indicates that over the last year, NWG has been closely correlated with LYG. These tickers have moved in lockstep 84% of the time. This A.I.-generated data suggests there is a high statistical probability that if NWG jumps, then LYG could also see price increases.
UBS and
Correlation & Price change
A.I.dvisor indicates that over the last year, UBS has been closely correlated with BCS. These tickers have moved in lockstep 66% of the time. This A.I.-generated data suggests there is a high statistical probability that if UBS jumps, then BCS could also see price increases.