(EFGN) EFG International - SW
Sector: Financial Services | Industry: Banks - Diversified | Exchange: SW (Switzerland) | Market Cap: 4.952m CHF | Total Return: 24.9% in 12m
Avg Turnover: 5.17M
Warnings
No concerns identified
Tailwinds
No distinct edge detected
EFG International AG is a Zurich-based private banking and wealth management group operating across major global financial hubs, including Switzerland, Singapore, and the United Kingdom. The firm specializes in investment advisory, discretionary mandates, and credit solutions such as Lombard lending and real asset financing. Its business model focuses on high-net-worth individuals and institutional clients, providing a comprehensive suite of custody, treasury, and asset management services.
The private banking sector in Switzerland is characterized by high capital adequacy requirements and a shift toward fee-based recurring revenue models to mitigate interest rate volatility. EFG also operates as a platform provider for independent asset managers, reflecting a broader industry trend toward the B2B2C model where banks provide the underlying infrastructure for external advisors. For a deeper look into the companys valuation metrics, consider reviewing the latest data on ValueRay.
Founded in 1995, the company maintains a physical presence in key offshore and onshore jurisdictions, supporting its multi-shore strategy. In addition to traditional banking, EFG manages private label funds and offers digital platforms for mobile and e-banking services to maintain client engagement across its international network.
- Net interest margin compresses as central banks pivot to rate cuts
- Net new asset growth accelerates through aggressive relationship manager hiring
- Cost-to-income ratio improves via operational efficiency and scale
- Assets under management fluctuate with global equity and bond market volatility
| Net Income: 214.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.04 > 0.02 and ΔFCF/TA -2.54 > 1.0 |
| NWC/Revenue: 116.8% < 20% (prev -1.00k%; Δ 1.12k% < -1%) |
| CFO/TA 0.01 > 3% & CFO 318.4m > Net Income 214.6m |
| Net Debt (-147.6m) to EBITDA (580.6m): -0.25 < 3 |
| Current Ratio: 2.09 > 1.5 & < 3 |
| Outstanding Shares: last quarter (299.3m) vs 12m ago -2.98% < -2% |
| Gross Margin: 62.07% > 18% (prev 53.26%; Δ 8.81% > 0.5%) |
| Asset Turnover: 5.63% > 50% (prev 3.69%; Δ 1.93% > 0%) |
| Interest Coverage Ratio: 0.59 > 6 (EBIT TTM 498.1m / Interest Expense TTM 842.7m) |
| A: 0.07 (Total Current Assets 5.04b - Total Current Liabilities 2.41b) / Total Assets 39.4b |
| B: 0.00 (Retained Earnings 75.5m / Total Assets 39.4b) |
| C: 0.01 (EBIT TTM 498.1m / Avg Total Assets 40.0b) |
| D: 0.06 (Book Value of Equity 2.39b / Total Liabilities 37.0b) |
| Altman-Z'' = 0.60 = B |
| DSRI: 0.48 (Receivables 20.3m/28.3m, Revenue 2.25b/1.50b) |
| GMI: 0.86 (GM 53.26% / 62.07%) |
| AQI: 1.53 (AQ_t 0.86 / AQ_t-1 0.56) |
| SGI: 1.50 (Revenue 2.25b / 1.50b) |
| TATA: -0.00 (NI 214.6m - CFO 318.4m) / TA 39.4b) |
| Beneish M = -2.91 (Cap -4..+1) = A |
As of June 19, 2026, the stock is trading at CHF 16.90 with a total of 381,276 shares traded.
Over the past week, the price has changed by +4.84%,
over one month by -2.54%,
over three months by -1.90% and
over the past year by +24.93%.
EFG International has no consensus analysts rating.
P/E Trailing = 16.8163
P/E Forward = 8.1037
P/S = 2.986
P/B = 2.075
P/EG = 0.429
Revenue TTM = 2.25b CHF
EBIT TTM = 498.1m CHF
EBITDA TTM = 580.6m CHF
Long Term Debt = 2.48b CHF (from longTermDebt, last quarter)
Short Term Debt = 2.41b CHF (from shortTermDebt, last fiscal year)
Debt = 4.90b CHF (corrected: LT Debt 2.48b + ST Debt 2.41b)
Net Debt = -147.6m CHF (calculated: Debt 4.90b - CCE 5.04b)
Enterprise Value = 4.80b CHF (4.95b + Debt 4.90b - CCE 5.04b)
Interest Coverage Ratio = 0.59 (Ebit TTM 498.1m / Interest Expense TTM 842.7m)
EV/FCF = -3.36x (Enterprise Value 4.80b / FCF TTM -1.43b)
FCF Yield = -29.80% (FCF TTM -1.43b / Enterprise Value 4.80b)
FCF Margin = -63.63% (FCF TTM -1.43b / Revenue TTM 2.25b)
Net Margin = 9.54% (Net Income TTM 214.6m / Revenue TTM 2.25b)
Gross Margin = 62.07% ((Revenue TTM 2.25b - Cost of Revenue TTM 853.4m) / Revenue TTM)
Gross Margin QoQ = 76.96% (prev none%)
Tobins Q-Ratio = 0.12 (Enterprise Value 4.80b / Total Assets 39.4b)
Interest Expense / Debt = 17.21% (Interest Expense 842.7m / Debt 4.90b)
Taxrate = 17.27% (44.9m / 259.6m)
NOPAT = 412.0m (EBIT 498.1m * (1 - 17.27%))
Current Ratio = 2.09 (Total Current Assets 5.04b / Total Current Liabilities 2.41b)
Debt / Equity = 2.05 (Debt 4.90b / totalStockholderEquity, last quarter 2.39b)
Debt / EBITDA = -0.25 (Net Debt -147.6m / EBITDA 580.6m)
Debt / FCF = 0.10 (negative FCF - burning cash) (Net Debt -147.6m / FCF TTM -1.43b)
Total Stockholder Equity = 2.34b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.54% (Net Income 214.6m / Total Assets 39.4b)
RoE = 9.18% (Net Income TTM 214.6m / Total Stockholder Equity 2.34b)
RoCE = 10.33% (EBIT 498.1m / Capital Employed (Equity 2.34b + L.T.Debt 2.48b))
RoIC = 1.05% (NOPAT 412.0m / Invested Capital 39.3b)
WACC = 11.08% (E(4.95b)/V(9.85b) * Re(7.95%) + D(4.90b)/V(9.85b) * Rd(17.21%) * (1-Tc(0.17)))
Discount Rate = 7.95% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -42.22 | Cagr: -1.94%
[DCF] Fair Price = unknown (Cash Flow -1.43b)
EPS Correlation: 83.16 | EPS CAGR: 30.17% | SUE: N/A | # QB: 0
Revenue Correlation: -17.09 | Revenue CAGR: -4.02% | SUE: 1.99 | # QB: 1
EPS current Year (2026-12-31): EPS=1.20 | Chg30d=N/A | Revisions=+0% | GrowthEPS=+16.9% | GrowthRev=+4.7%
EPS next Year (2027-12-31): EPS=1.40 | Chg30d=N/A | Revisions=-20% | GrowthEPS=+16.7% | GrowthRev=+7.1%
[Analyst] Revisions Ratio: -20%