EFGN Stock Analysis: EFG International | SW
Banks - Diversified | SW, Switzerland | Market Cap: 4.712m CHF | 12M Return: -4.6% | CH0022268228 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.07M
Warnings
Tailwinds
Seasonality 11.7 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 offering private banking, wealth management, and asset management services to clients across 13 jurisdictions spanning Europe, Asia, the Americas, and the Middle East. Its service portfolio spans investment advisory and discretionary mandates, alternative and private market investments, wealth planning, trust and fund services, credit solutions (including real asset financing and securities-backed lending), and traditional banking services such as accounts, cards, custody, foreign exchange, and trading. The firm also supports independent asset managers through private label fund setup and provides responsible investment capabilities alongside online and mobile banking platforms.
As a player in the Diversified Banks sub-industry, EFG operates within Switzerlands private banking sector, which is globally recognized as a leading hub for cross-border wealth management serving high-net-worth and ultra-high-net-worth clients. The company was founded in 1995 and is headquartered in Zurich.
- Wealth management AUM growth drives recurring fee income
- Higher interest rates boost net interest margin on client deposits
- Asia and Middle East private banking expansion accelerates client inflows
| Net Income: 288.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 11.97 > 1.0 |
| NWC/Revenue: -806.4% < 20% (prev -1.34k%; Δ 533.8% < -1%) |
| CFO/TA 0.07 > 3% & CFO 2.99b > 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 October 10, 2026, the stock is trading at CHF 15.76 with a total of 134,711 shares traded. Over the past week, the price has changed by -1.13%, over one month by -0.13%, over three months by -3.90% and over the past year by -4.57%.
Current recommended Stop Loss: 15.20 (which is 3.6% or 1.5 ATR below the current price).
EFG International has no consensus analysts rating.
P/E Trailing = 18.2093
P/E Forward = 8.1037
P/S = 2.7466
P/B = 2.07
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 = 2.15b CHF (4.71b + Debt 4.53b - CCE 7.09b)
Interest Coverage Ratio = 0.41 (Ebit TTM 331.7m / Interest Expense TTM 809.5m)
EV/FCF = 1.74x (Enterprise Value 2.15b / FCF TTM 1.24b)
FCF Yield = 57.37% (FCF TTM 1.24b / Enterprise Value 2.15b)
FCF Margin = 39.13% (FCF TTM 1.24b / 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 2.15b / 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 = -2.07 (Net Debt -2.56b / FCF TTM 1.24b)
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 = 11.43% (E(4.71b)/V(9.24b) * Re(8.43%) + D(4.53b)/V(9.24b) * Rd(17.87%) * (1-Tc(0.19)))
Discount Rate = 8.43% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -65.99 | Cagr: -1.79%
[DCF] Terminal Value 65.44% ; FCFF base≈1.24b ; Y1≈1.24b ; Y5≈1.32b
[DCF] Fair Price = 53.12 (EV 13.4b - Net Debt -2.56b = Equity 16.0b / Shares 300.9m; r=11.43% [WACC]; 5y FCF grow 0.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | 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=1.15 | Chg30d=-4.39% | Revisions=+25% | GrowthEPS=+12.7% | GrowthRev=+4.7%
EPS next Year (2027-12-31): EPS=1.41 | Chg30d=-0.97% | Revisions=-40% | GrowthEPS=+22.5% | GrowthRev=+9.3%
[Analyst] Revisions Ratio: -17% (up=1, down=2)