EFG International AG (EFGN) AI Stock Analysis

• Market Cap: CHF5.31B
• Dividend Yield: 3.15%
• Average Volume (3M): 251.69K
• Price to Earnings (P/E): 18.0
• Beta (1Y): 0.92
• Revenue Growth: -0.27%
• EPS Growth: 21.41%
• Country: CH
• Employees: 3,114
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 0.40
• Shares Outstanding: 307,100,200
• 10 Day Avg. Volume: 244,196
• 30 Day Avg. Volume: 251,691
• PEG Ratio: 3.00
• Price to Book (P/B): 2.45
• Price to Sales (P/S): 2.25
• P/FCF Ratio: -4.08
• 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: CHF19.49
• Price Target Upside: 8.50% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2
• EPS Forecast (FY): 1.21
• Revenue Forecast (FY): CHF1.73B

• Rating: 57 Neutral
• Price Target: CHF19.50 ▲(8.57% Upside)
• Action: Reiterated Date: 03/03/26
• Date: Action: Reiterated 03/03/26

The score is constrained primarily by persistent negative operating and free cash flow despite solid profitability and improving leverage. Technical signals are mixed with slight near-term weakness, and valuation is moderate with a supportive dividend yield.

Positive Factors

Revenue and Margin Recovery

A sharp revenue rebound in 2025 combined with mid-teens operating margins indicates the firm can restore top-line growth while preserving operating profitability. That durability supports reinvestment in client services and steadier fee generation across market cycles, improving earnings resilience over months.

Balance Sheet and Leverage Improvement

Meaningful debt-to-equity improvement and a stable equity base point to strengthening capital structure. Improved leverage reduces solvency and funding risk, increases regulatory and strategic flexibility, and lowers probability of forced asset sales or dilutive capital raises over the medium term.

Wealth Management Business Model

A diversified private-banking model with recurring advisory fees, custody services and Lombard lending creates multiple, sticky revenue streams tied to AUM and client relationships. This structural mix supports predictable fee income and client stickiness that endures beyond short market swings.

Negative Factors

Weak Cash Generation

Persistently negative operating and free cash flow constrain internal funding for investment, dividends, and deleveraging. Reliance on accounting profits rather than cash conversion increases refinancing and liquidity risk and may force reliance on external funding over the next several quarters.

Growth Volatility

Negative multi-year revenue growth and prior-year declines signal inconsistent client flows or product demand. For a fee- and AUM-driven bank, variable growth undermines predictability of recurring income and planning, raising execution risk for medium-term margin and capital targets.

Sensitivity to Market and Credit Swings

A large balance sheet versus equity increases exposure to market-value shifts and credit losses; even modest asset shocks can pressure capital ratios. This structural sensitivity raises the chance of capital management actions or risk reductions in stressed market episodes over coming months.

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

Income statement strength (revenue rebound in 2025, solid mid-teens operating margin and low-to-mid teens net margin) and a decent balance sheet (improving debt-to-equity in 2025, low-to-mid teens ROE) are materially offset by very weak cash flow quality, with negative operating and free cash flow in most years (2022–2025).

Income Statement

Revenue rebounded strongly in 2025 (annual revenue up sharply versus 2024), while profitability remained solid with mid-teens operating margin and low-to-mid teens net margin. Returns appear consistent, with net income generally stable-to-growing over the period. Offsetting positives, growth has been uneven (including a revenue decline in 2023) and margins show volatility year-to-year, suggesting earnings quality and operating leverage can fluctuate.

Balance Sheet

Leverage looks manageable for the period, with debt-to-equity improving meaningfully in 2025 versus 2024 and equity remaining relatively stable. Return on equity is consistently in the low-to-mid teens, indicating decent profitability on the capital base. Key watchouts are the year-to-year swings in leverage (notably higher in 2022–2024 versus 2023 and 2025) and the large asset base relative to equity, which can amplify sensitivity to market/credit conditions typical for diversified banks.

Cash Flow

Cash generation is the weak spot: operating cash flow is negative in most years (including 2022–2025), and free cash flow is also persistently negative over the same span, with a particularly large outflow in 2023 and again in 2025. While free cash flow trends improved versus the prior year in some periods, the overall pattern points to inconsistent cash conversion and elevated cash flow volatility relative to reported earnings.

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	2.59B	1.50B	1.43B	1.76B	1.63B
Gross Profit	1.74B	1.50B	1.43B	1.27B	1.25B
EBITDA	394.70M	0.00	411.80M	389.20M	327.70M
Net Income	325.20M	321.60M	303.20M	202.40M	205.80M
Balance Sheet
Total Assets	39.39B	40.60B	38.59B	43.54B	42.14B
Cash, Cash Equivalents and Short-Term Investments	5.04B	8.01B	4.19B	3.64B	12.08B
Total Debt	743.10M	1.25B	239.00M	1.13B	962.30M
Total Liabilities	37.01B	38.22B	36.37B	41.47B	39.85B
Stockholders Equity	2.39B	2.38B	2.22B	2.06B	2.25B
Cash Flow
Free Cash Flow	-1.43B	-445.50M	-2.67B	-196.50M	132.20M
Operating Cash Flow	-1.39B	-397.10M	-2.64B	-152.50M	175.80M
Investing Cash Flow	746.20M	484.00M	-1.22B	-1.28B	-1.28B
Financing Cash Flow	42.40M	41.10M	-265.50M	2.17B	1.81B

EFG International AG Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 17.96
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:EFGN, the sentiment is Negative. The current price of 17.96 is below the 20-day moving average (MA) of 18.43, below the 50-day MA of 19.15, and above the 200-day MA of 17.07, indicating a neutral trend. The MACD of -0.32 indicates Positive momentum. The RSI at 40.86 is Neutral, neither overbought nor oversold. The STOCH value of 25.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CH:EFGN.

EFG International AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
VONN	66 Neutral	CHF3.74B	5.44	11.11%	4.66%	3.80%	15.49%
SQN	62 Neutral	CHF5.67B	10.60	―	1.22%	18.76%	20.08%
BAER	60 Neutral	CHF11.59B	16.79	―	4.14%	1.02%	131.90%
EFGN	57 Neutral	CHF5.31B	17.97	9.10%	3.15%	-0.27%	21.41%
LLBN	54 Neutral	CHF2.96B	15.32	―	3.34%	―	―
UBSG	50 Neutral	CHF90.49B	18.85	7.04%	1.99%	-12.37%	142.75%

EFG International AG Corporate Events

EFG International Sets Date and Agenda Publication for 2026 AGM

EFG International has published the agenda and invitation for its 2026 Annual General Meeting, scheduled to take place on 20 March 2026 in Zurich. The move formally launches this year’s shareholder governance process, setting out the items to be decided by investors and reaffirming the Swiss private bank’s commitment to transparent communication with the market.

While specific agenda items were not disclosed in the brief announcement, the AGM will provide shareholders with an opportunity to review the group’s strategic direction and oversight. The meeting is expected to be a focal point for investor engagement as EFG continues to position itself within the competitive global wealth and asset management industry.

The most recent analyst rating on (CH:EFGN) stock is a Hold with a CHF20.70 price target. To see the full list of analyst forecasts on EFG International AG stock, see the CH:EFGN Stock Forecast page.

EFG International Posts Record 2025 Profit and Assets, Lifts Dividend Again

EFG International, a Swiss private banking and asset management group, reported record results for 2025, underscoring its growing clout in global wealth management. Assets under management climbed 12% to an all-time high of CHF 185.0 billion, supported by strong net new asset inflows and the positive impact of recent acquisitions.

Net new assets reached CHF 11.3 billion, the highest level since the financial crisis, corresponding to a 6.8% growth rate that surpassed the bank’s target range. Operating profit jumped 26% to CHF 493.1 million and IFRS net profit hit a record CHF 325.2 million, as a resilient revenue margin and tighter cost discipline drove a better cost/income ratio and return on tangible equity above target.

Despite taking a sizeable legal provision linked to a legacy matter, EFG offset much of the impact with an insurance recovery and continued to de-risk its balance sheet. The bank ended 2025 with robust capital and liquidity ratios and proposed a record CHF 0.65 per share dividend, marking a fifth consecutive annual increase and signalling confidence as it enters a new strategic cycle augmented by acquisitions adding around CHF 16 billion in assets under management.

The most recent analyst rating on (CH:EFGN) stock is a Hold with a CHF20.70 price target. To see the full list of analyst forecasts on EFG International AG stock, see the CH:EFGN Stock Forecast page.

EFG International Partners with Capital Group to Broaden Investment Offering

EFG International has entered into a strategic collaboration with Capital Group to jointly create, co-develop and distribute investment solutions to its clients. The partnership will provide EFG’s private banking and asset management clients with access to a wider range of Capital Group’s current and future investment products, strengthening EFG’s open-architecture platform and supporting its 2026–2028 strategy to deliver more personalised wealth services.

By broadening its third-party product shelf through a globally recognised asset manager, EFG is aiming to deepen its advisory capabilities and enhance client choice across markets where it operates. The move underscores the competitive importance of open-architecture distribution models in private banking and may bolster EFG’s positioning versus peers by aligning its offering more closely with sophisticated investor demand for diversified, institutional-quality investment solutions.

The most recent analyst rating on (CH:EFGN) stock is a Hold with a CHF20.70 price target. To see the full list of analyst forecasts on EFG International AG stock, see the CH:EFGN Stock Forecast page.

EFG International to Acquire Quilvest Switzerland, Expanding UHNWI and Latin American Franchise

EFG International AG has agreed to acquire 100% of Quilvest (Switzerland) Ltd, a Zurich-based pure-play private bank with a strong Latin American footprint, a focus on ultra-high net worth clients and a long-standing expertise in private market investment advisory. The deal, expected to close in the third quarter of 2026 subject to regulatory approval, is set to deepen EFG’s presence in key growth markets and bolster its offering for ultra-wealthy clients, potentially strengthening its competitive position in global private banking and enhancing its capabilities in alternative and private market investments.

The most recent analyst rating on (CH:EFGN) stock is a Buy with a CHF22.50 price target. To see the full list of analyst forecasts on EFG International AG stock, see the CH:EFGN Stock Forecast page.