EFG International AG (EFGN) AI Stock Analysis

• Market Cap: CHF6.01B
• Dividend Yield: 3.15%
• Average Volume (3M): 251.69K
• Price to Earnings (P/E): 16.4
• Beta (1Y): 1.00
• Revenue Growth: -0.27%
• EPS Growth: 21.41%
• Country: CH
• Employees: 3,114
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 0.71
• Shares Outstanding: 307,100,200
• 10 Day Avg. Volume: 244,196
• 30 Day Avg. Volume: 251,691
• PEG Ratio: 1.93
• Price to Book (P/B): 1.67
• Price to Sales (P/S): 2.64
• P/FCF Ratio: -8.90
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: CHF18.10
• Price Target Upside: -9.04% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 63 Neutral
• Price Target: CHF20.50 ▲(3.02% Upside)

The score is primarily constrained by weak cash generation (negative operating and free cash flow in most years), despite improved profitability and solid ROE. Technicals are supportive due to a strong uptrend but are tempered by overbought momentum signals, while valuation is reasonably balanced with a moderate P/E and a ~3.15% dividend yield.

EFG International AG Business Overview & Revenue Model

Company Description

EFG International AG, together with its subsidiaries, provides private banking, wealth management, and asset management services. It offers investment solutions, including discretionary mandates, structured products, trading services, and Islamic solutions; wealth and trust services; credit and financing services, such as property and investment finance; and eBanking services, including mobile banking and security services. The company also provides other banking services consisting of custody, foreign exchange and treasury, and trading services, as well as accounts and cards; and supports independent asset managers to set up private label funds. It operates in Europe, Asia Pacific, the Americas, and the Middle East. EFG International AG was founded in 1995 and is headquartered in Zurich, Switzerland.

How the Company Makes Money

EFG International AG generates revenue primarily through its private banking and asset management services. The company earns money by charging fees for managing clients' assets, which include investment management fees, advisory fees, and performance-related fees. In addition, EFG International offers wealth planning and structuring services, which contribute to its revenue streams. The bank also benefits from interest income generated from its lending activities and financial products. Significant partnerships with financial institutions and a strong presence in key international markets further bolster its earnings by expanding its client base and service offerings.

EFG International AG Financial Statement Overview

Summary

EFG International AG shows strong profitability with a solid net profit margin and effective equity utilization. However, challenges in cash flow management with negative operating cash flows present liquidity risks. The balance sheet indicates a conservative leverage approach but a low equity ratio could pose financial risks.

Income Statement

EFG International AG's income statement reveals a healthy revenue of CHF 1.50 billion in 2024, with a gross profit margin of 100% due to the absence of cost of goods sold, typical for a financial institution. The net profit margin is robust at 21.5%, an improvement from the previous year. However, the revenue growth rate over the past year is moderate at 4.8%, indicating steady, but not rapid, expansion. The absence of EBIT and EBITDA figures in the latest year suggests a need for careful cost management.

Balance Sheet

The balance sheet of EFG International AG shows a strong equity ratio of 5.9%, reflecting a solid equity base relative to total assets. The debt-to-equity ratio is effectively zero due to no reported debt in 2024, suggesting a conservative leverage approach. However, the return on equity (ROE) is strong at 13.5%, showcasing effective utilization of equity to generate profits. The relatively low equity ratio may indicate a potential risk of over-reliance on liabilities to finance assets.

Cash Flow

The cash flow statement indicates challenges in cash generation, with negative operating cash flow in 2024. Free cash flow growth is negative, primarily due to substantial capital expenditures. The operating cash flow to net income ratio is negative, reflecting cash flow mismatches. The free cash flow to net income ratio is also unfavorable, indicating potential liquidity constraints despite profitable operations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.73B	1.50B	1.43B	1.76B	1.63B	1.47B
Gross Profit	773.60M	1.50B	1.43B	1.27B	1.25B	1.12B
EBITDA	502.70M	0.00	411.80M	389.20M	327.70M	280.30M
Net Income	269.40M	321.60M	303.20M	202.40M	205.80M	115.30M
Balance Sheet
Total Assets	37.60B	40.60B	38.59B	43.54B	42.14B	40.64B
Cash, Cash Equivalents and Short-Term Investments	0.00	8.01B	4.19B	3.64B	12.08B	3.38B
Total Debt	3.71B	1.25B	239.00M	1.13B	962.30M	1.05B
Total Liabilities	35.27B	38.22B	36.37B	41.47B	39.85B	38.88B
Stockholders Equity	2.33B	2.38B	2.22B	2.06B	2.25B	1.70B
Cash Flow
Free Cash Flow	-1.35B	-445.50M	-2.67B	-196.50M	132.20M	-225.90M
Operating Cash Flow	-1.91B	-397.10M	-2.64B	-152.50M	175.80M	-183.60M
Investing Cash Flow	-779.00M	484.00M	-1.22B	-1.28B	-1.28B	134.60M
Financing Cash Flow	872.05M	41.10M	-265.50M	2.17B	1.81B	452.40M

EFG International AG Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.90
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:EFGN, the sentiment is Positive. The current price of 19.9 is above the 20-day moving average (MA) of 18.84, above the 50-day MA of 17.79, and above the 200-day MA of 15.49, indicating a bullish trend. The MACD of 0.50 indicates Negative momentum. The RSI at 76.41 is Negative, neither overbought nor oversold. The STOCH value of 90.33 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CH:EFGN.

EFG International AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BAER	68 Neutral	CHF13.33B	15.42	―	4.14%	1.02%	131.90%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
VONN	66 Neutral	CHF3.65B	14.60	11.11%	4.66%	3.80%	15.49%
EFGN	63 Neutral	CHF6.01B	16.45	19.05%	3.15%	-0.27%	21.41%
UBSG	63 Neutral	CHF119.18B	19.61	8.30%	1.99%	-12.37%	142.75%
SQN	62 Neutral	CHF7.07B	23.15	―	1.22%	18.76%	20.08%
LLBN	57 Neutral	CHF2.62B	15.55	―	3.34%	―	―

EFG International AG Corporate Events

EFG International Unveils Ambitious 2026-2028 Strategic Plan

EFG International has unveiled its strategic plan for 2026-2028, aiming for sustainable and profitable growth with a focus on commercial excellence, digital solutions, and enhancing client experience. The company targets a 15% annual profit growth, leveraging surplus capital for potential mergers and acquisitions, and plans to hire 50 to 70 new client relationship officers annually to support its ambitions.

The most recent analyst rating on (CH:EFGN) stock is a Hold with a CHF16.60 price target. To see the full list of analyst forecasts on EFG International AG stock, see the CH:EFGN Stock Forecast page.

EFG International Reports Record Net Profit and Strong Growth in 2025

EFG International AG announced a record net profit of approximately CHF 320 million for the first ten months of 2025, driven by strong organic growth and strategic acquisitions. The company exceeded its financial targets with a significant increase in assets under management, reaching CHF 183.7 billion, and an annualized return on tangible equity of 21.5%. These results position EFG International strongly as it enters its new strategic cycle, reflecting robust business momentum and a disciplined approach to cost management.

The most recent analyst rating on (CH:EFGN) stock is a Hold with a CHF16.60 price target. To see the full list of analyst forecasts on EFG International AG stock, see the CH:EFGN Stock Forecast page.

EFG International Integrates BlackRock’s Aladdin Wealth Technology

EFG International has announced the integration of BlackRock’s Aladdin Wealth platform into its advisory platform, marking a significant step in its ongoing digital enhancement program. This integration will provide EFG’s Client Relationship Officers and Investment Counsellors with advanced analytics and risk insights, aiming to accelerate growth, improve efficiency, and deliver personalized services at scale.

The most recent analyst rating on (CH:EFGN) stock is a Hold with a CHF16.60 price target. To see the full list of analyst forecasts on EFG International AG stock, see the CH:EFGN Stock Forecast page.

EFG International Releases 2026 Economic Outlook

EFG International has released its annual Outlook for 2026, highlighting key themes expected to influence the global economy and investment landscape. The report emphasizes the impact of US growth leadership, neutral interest rates, unpredictable geopolitical events, and the rapid advancement of artificial intelligence on the financial markets, which could significantly affect the company’s operations and its stakeholders.

The most recent analyst rating on (CH:EFGN) stock is a Hold with a CHF16.60 price target. To see the full list of analyst forecasts on EFG International AG stock, see the CH:EFGN Stock Forecast page.

EFG International Announces Leadership Changes at Luxembourg Subsidiary

EFG International has announced significant changes in the leadership of its subsidiary, EFG Bank (Luxembourg) S.A. André Prüm will become the new Chair of the Board of Directors, succeeding Yves Maas, who will assume the role of CEO. Lena Lascari will retire as CEO but remain on the Board, while Pascal Julliard has been appointed Deputy CEO and Head of Private Banking Luxembourg. These changes are expected to impact the company’s operations and strategic direction in the Luxembourg market.

The most recent analyst rating on (CH:EFGN) stock is a Hold with a CHF15.80 price target. To see the full list of analyst forecasts on EFG International AG stock, see the CH:EFGN Stock Forecast page.

EFG International Completes Acquisition of Cité Gestion

EFG International AG has successfully completed the acquisition of the Swiss private bank Cité Gestion, having received all necessary regulatory approvals. This acquisition, initially announced in February 2025, adds approximately CHF 7.5 billion in managed assets to EFG’s portfolio and is expected to enhance its market positioning in the private banking sector.

The most recent analyst rating on (CH:EFGN) stock is a Hold with a CHF15.80 price target. To see the full list of analyst forecasts on EFG International AG stock, see the CH:EFGN Stock Forecast page.