EFGN Stock Analysis: EFG International | SW
Banks - Diversified | SW, Switzerland | Market Cap: 4.865m CHF | 12M Return: 5.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 5.05M
Warnings
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
EFG International AG is a Swiss-headquartered financial group providing private banking, wealth management, and asset management services, primarily to high-net-worth and institutional clients. Founded in 1995 and listed in Switzerland under the ticker EFGN, the company is classified within the GICS Diversified Banks sub-industry, reflecting its combination of traditional banking activities and asset/wealth management operations.
The groups service offering spans investment solutions (advisory, discretionary, alternative and private market investments), wealth planning and trust services, and credit solutions including real asset financing and Lombard lending. It also provides core banking services such as accounts, cards, custody, foreign exchange, and trading, alongside support for independent asset managers through private label fund structures and digital/online banking platforms.
EFG operates across 14 jurisdictions spanning Europe, Asia, the Americas, and the Middle East, with a footprint centered on Switzerland and key international wealth centers such as Luxembourg, Monaco, the Channel Islands, Singapore, Hong Kong, and the Bahamas. As a private bank, its revenue model is typically driven by a mix of fee-based income on assets under management and net interest income from lending, both of which are sensitive to client flows, market valuations, and interest rate cycles that characterize the broader wealth management sector.
- Net new money inflows from Asia and Middle East drive AUM growth
- Higher interest rates lift net interest income on credit book
- Cost-to-income ratio improvement remains key margin focus
- Cross-border wealth regulation increases compliance burden
| Net Income: 288.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA -0.68 > 1.0 |
| NWC/Revenue: -806.4% < 20% (prev -1.34k%; Δ 533.8% < -1%) |
| CFO/TA 0.01 > 3% & CFO 318.4m > Net Income 288.6m |
| Net Debt (-2.56b) to EBITDA (408.9m): -6.25 < 3 |
| Current Ratio: 0.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (308.3m) vs 12m ago -0.78% < -2% |
| Gross Margin: 74.04% > 18% (prev 37.76%; Δ 36.28% > 0.5%) |
| Asset Turnover: 7.83% > 50% (prev 4.61%; Δ 3.23% > 0%) |
| Interest Coverage Ratio: 0.41 > 6 (EBIT TTM 331.7m / Interest Expense TTM 809.5m) |
| A: -0.59 (Total Current Assets 7.09b - Total Current Liabilities 32.6b) / Total Assets 43.1b |
| B: -0.00 (Retained Earnings -16.1m / Total Assets 43.1b) |
| C: 0.01 (EBIT TTM 331.7m / Avg Total Assets 40.3b) |
| D: 0.06 (Book Value of Equity 2.37b / Total Liabilities 40.7b) |
| Altman-Z'' = -3.76 = D |
As of July 29, 2026, the stock is trading at CHF 16.00 with a total of 242,822 shares traded. Over the past week, the price has changed by -10.61%, over one month by -0.62%, over three months by -5.44% and over the past year by +5.24%.
Current recommended Stop Loss: 15.20 (which is 5% or 1.6 ATR below the current price).
EFG International has no consensus analysts rating.
P/E Trailing = 18.814
P/E Forward = 8.1037
P/S = 2.9334
P/B = 2.043
P/EG = 0.429
Revenue TTM = 3.16b CHF
EBIT TTM = 331.7m CHF
EBITDA TTM = 408.9m CHF
Long Term Debt = 850.3m CHF (from longTermDebt, last fiscal year)
Short Term Debt = 2.41b CHF (from shortTermDebt, last fiscal year)
Debt = 4.53b CHF (from shortLongTermDebtTotal, last quarter)
Net Debt = -2.56b CHF (calculated: Debt 4.53b - CCE 7.09b)
Enterprise Value = 2.31b CHF (4.86b + Debt 4.53b - CCE 7.09b)
Interest Coverage Ratio = 0.41 (Ebit TTM 331.7m / Interest Expense TTM 809.5m)
EV/FCF = -1.61x (Enterprise Value 2.31b / FCF TTM -1.43b)
FCF Yield = -62.05% (FCF TTM -1.43b / Enterprise Value 2.31b)
FCF Margin = -45.32% (FCF TTM -1.43b / Revenue TTM 3.16b)
Net Margin = 9.13% (Net Income TTM 288.6m / Revenue TTM 3.16b)
Gross Margin = 74.04% ((Revenue TTM 3.16b - Cost of Revenue TTM 820.1m) / Revenue TTM)
Gross Margin QoQ = 69.91% (prev 76.96%)
Tobins Q-Ratio = 0.05 (Enterprise Value 2.31b / Total Assets 43.1b)
Interest Expense / Debt = 17.87% (Interest Expense 809.5m / Debt 4.53b)
Taxrate = 18.59% (66.0m / 355.0m)
NOPAT = 270.0m (EBIT 331.7m * (1 - 18.59%))
Current Ratio = 0.22 (Total Current Assets 7.09b / Total Current Liabilities 32.6b)
Debt / Equity = 1.91 (Debt 4.53b / totalStockholderEquity, last quarter 2.37b)
Debt / EBITDA = -6.25 (Net Debt -2.56b / EBITDA 408.9m)
Debt / FCF = 1.79 (negative FCF - burning cash) (Net Debt -2.56b / FCF TTM -1.43b)
Total Stockholder Equity = 2.37b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.72% (Net Income 288.6m / Total Assets 43.1b)
RoE = 12.20% (Net Income TTM 288.6m / Total Stockholder Equity 2.37b)
RoCE = 10.31% (EBIT 331.7m / Capital Employed (Equity 2.37b + L.T.Debt 850.3m))
RoIC = 2.11% (NOPAT 270.0m / Invested Capital 12.8b)
WACC = 11.40% (E(4.86b)/V(9.39b) * Re(8.47%) + D(4.53b)/V(9.39b) * Rd(17.87%) * (1-Tc(0.19)))
Discount Rate = 8.47% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -65.99 | Cagr: -1.79%
[DCF] Fair Price = unknown (Cash Flow -1.43b)
EPS Correlation: 83.16 | EPS CAGR: 30.17% | SUE: N/A | # QB: 0
Revenue Correlation: 48.33 | Revenue CAGR: 17.41% | SUE: N/A | # QB: 0
EPS current Quarter (2026-03-31): EPS=0.41 | Chg30d=N/A | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=1.22 | Chg30d=+1.81% | Revisions=+0% | GrowthEPS=+19.1% | GrowthRev=+5.5%
EPS next Year (2027-12-31): EPS=1.43 | Chg30d=+2.72% | Revisions=-25% | GrowthEPS=+17.8% | GrowthRev=+7.9%
[Analyst] Revisions Ratio: -17% (up=1, down=2)