EFG International (EFGXY)
OTHER OTC:EFGXY
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EFG International
(OTC:EFGXY)
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Rating:64Neutral
Price Target:
$22.00
▼(-11.36% Downside)
Action:ReiteratedDate:03/02/26
The score is driven primarily by financial quality concerns from sharply negative operating/free cash flow despite solid revenue growth and balance-sheet metrics. Offsetting this, the latest earnings call was notably constructive with clear growth/efficiency targets, record operating results, and strong capital returns. Technical signals are neutral-to-weak and valuation is reasonable but not a major tailwind.
Positive Factors
AUM and Net New Assets
Sustained growth in AUM and meaningful net new asset inflows expand the firm’s recurring fee base, improving long-term revenue visibility. High NNA supports scale benefits for client coverage, underwriting and product distribution, and underpins durable fee income even if markets soften.
Negative Factors
Weak Cash Generation
Deep negative operating and free cash flow reduce earnings quality and constrain liquidity flexibility despite reported profits. This weak cash conversion raises reliance on capital-market actions or retained capital for shareholder returns and acquisitions, and heightens funding risk in stress scenarios.
Read all positive and negative factors
Positive Factors
Negative Factors
AUM and Net New Assets
Sustained growth in AUM and meaningful net new asset inflows expand the firm’s recurring fee base, improving long-term revenue visibility. High NNA supports scale benefits for client coverage, underwriting and product distribution, and underpins durable fee income even if markets soften.
Read all positive factors
EFG International (EFGXY) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$6.57B
Dividend Yield3.05%
Average Volume (3M)0.00
Price to Earnings (P/E)7.8
Beta (1Y)0.86
Revenue Growth1.60%
EPS Growth7.28%
CountryUS
Employees3,114
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)1.05
Shares Outstanding307,100,200
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio5.31
Price to Book (P/B)1.38
Price to Sales (P/S)1.33
P/FCF Ratio-2.30
Enterprise Value/Market Cap0.12
Enterprise Value/Revenue0.30
Enterprise Value/Gross Profit0.35
Enterprise Value/Ebitda6.30
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
EFG International 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 ...
How the Company Makes Money
EFG International primarily makes money through wealth and private banking revenues generated from managing client assets and providing investment and banking services. Key revenue streams typically include: (1) Net fee and commission income: recu...
EFG International Earnings Call Summary
Earnings Call Date:Feb 18, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Jul 29, 2026
Earnings Call Sentiment Positive
The call presented a strongly positive operating and financial performance for 2025: record AUM, record IFRS net profit and EPS, robust revenue and commission margin expansion, meaningful cost savings and strong capital generation. Management highlighted sustained organic growth complemented by targeted M&A, prudent derisking of legacy life insurance exposures and clear efficiency programs. The principal negatives are legacy litigation (a CHF 59m provision in H2 and an ongoing UK trial with verdict expected summer 2026), muted life insurance contributions and currency/interest‑rate headwinds that introduce some volatility. Overall, the operational momentum, record metrics and clear mitigation actions for legacy items outweigh the remaining risks.Positive Updates
Record Assets Under Management and Strong Net New Assets
AUM reached a record CHF 185.0 billion, up ~12% year‑on‑year (from CHF 165.5bn). Net new assets (NNA) were CHF 11.3 billion, +6.8% YoY — the highest nominal NNA since the global financial crisis and an acceleration in Q4.
Negative Updates
Legacy Litigation and One‑off Provision
A litigation provision of CHF 59 million was taken in H2 2025 (legacy case dating ~15–20 years) while an insurance recovery of CHF 45m occurred in H1, netting to a CHF 14m drag on reported P&L. The major UK trial (plaintiff PIFSS) has been running; verdict expected around summer 2026, leaving residual legal risk and uncertainty.
Read all updates
Q4-2025 Updates
Positive
Negative
Record Assets Under Management and Strong Net New Assets
AUM reached a record CHF 185.0 billion, up ~12% year‑on‑year (from CHF 165.5bn). Net new assets (NNA) were CHF 11.3 billion, +6.8% YoY — the highest nominal NNA since the global financial crisis and an acceleration in Q4.
Read all positive updates
Company Guidance
Guidance for 2026–28 emphasises continued organic and M&A-driven growth with clear numeric targets: net new assets 4–6% p.a., a revenue margin in excess of 85 bps (FY 2025 was 98 bps, H2 93 bps), a cost-to-income ratio around 68% (headline 2025 was 69.8%), and a return on tangible equity target of 20% (management also cites ~15% annual net‑profit growth aspiration and a “double‑digit” / ~15% net profit CAGR). Management starts 2026 with CHF 185bn AUM (average 2025 CHF 170bn), CHF 11.3bn NNA in 2025 (6.8% YoY), operating income ~CHF 493m (+26% YoY), core private‑bank operating profit CHF 425m (+18%), IFRS net profit CHF 325m (CHF 339m excl. exceptionals), EPS CHF 1.03 and RoTE >18%. Efficiency and capital metrics: Simplicity savings achieved CHF 66m (new 2026–28 programme target CHF 70–80m), gross capital generation >500 bps (net +1.6% in 2025), CET1 ~14–14.4% (target corridor 12–15%), LCR 270%, buyback up to 9m shares to July 2027, and proposed dividend CHF 0.65/share. Operational levers called out include mandate penetration 67%, commission margin 46 bps (+17% commission income), CRO hiring target ~50–70 p.a., and a reported interest‑rate sensitivity of ~CHF 36m revenue per 100 bp move across major currencies (management expects only marginal NII pressure in 2026).EFG International Financial Statement Overview
Summary
Income Statement
71
Positive
Balance Sheet
74
Positive
Cash Flow
32
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 2.48B | 1.50B | 1.43B | 1.56B | 1.26B |
| Gross Profit | 1.66B | 1.50B | 1.44B | 1.27B | 1.25B |
| EBITDA | 376.96M | 0.00 | 0.00 | 319.80M | 327.70M |
| Net Income | 310.58M | 321.60M | 303.20M | 202.40M | 205.80M |
Balance Sheet | |||||
| Total Assets | 39.44B | 40.60B | 38.59B | 43.54B | 42.14B |
| Cash, Cash Equivalents and Short-Term Investments | 5.05B | 8.01B | 6.66B | 11.23B | 12.08B |
| Total Debt | 743.94M | 440.00M | 239.00M | 243.70M | 475.20M |
| Total Liabilities | 37.05B | 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 | 479.50M | 3.06B | -597.90M |
| Operating Cash Flow | -1.39B | -397.10M | 480.00M | 3.10B | -590.10M |
| Investing Cash Flow | 746.20M | 484.00M | -1.22B | -1.93B | -659.80M |
| Financing Cash Flow | 42.40M | 41.10M | -3.39B | -432.70M | 1.95B |
EFG International Technical Analysis
Positive
24.82
Price Trends
22.53
Positive
22.90
Negative
21.20
Positive
Market Momentum
0.15
Negative
57.91
Neutral
86.06
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EFGXY, the sentiment is Positive. The current price of 24.82 is above the 20-day moving average (MA) of 21.78, above the 50-day MA of 22.53, and above the 200-day MA of 21.20, indicating a bullish trend. The MACD of 0.15 indicates Negative momentum. The RSI at 57.91 is Neutral, neither overbought nor oversold. The STOCH value of 86.06 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EFGXY.
EFG International Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | $2.25B | 8.36 | 21.63% | 3.70% | -7.23% | 20.38% | |
79 Outperform | $17.15B | 10.30 | 16.06% | 2.08% | 3.79% | 19.50% | |
71 Outperform | $85.11B | 10.46 | 12.71% | 4.14% | 10.57% | 19.15% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $6.57B | 7.80 | 9.10% | 3.05% | 1.60% | 7.28% | |
64 Neutral | $62.36B | 3.74 | 14.33% | 3.67% | 7.21% | 26.24% | |
62 Neutral | $81.96B | 6.17 | 9.46% | 1.71% | 12.95% | 21.64% |
* Financial Sector Average
EFGXY
EFG International
21.74
6.70
44.56%
BCS
Barclays
24.02
8.38
53.59%
EWBC
East West Bancorp
125.22
40.01
46.96%
ING
ING Groep
29.96
10.78
56.18%
NWG
NatWest Group
15.61
3.55
29.45%
NTB
Bank of NT Butterfield & Son
56.20
16.70
42.26%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.