EFG International (EFGXY) AI Stock Analysis

• Market Cap: $6.86B
• Dividend Yield: 3.19%
• Average Volume (3M): 0.00
• Price to Earnings (P/E): 16.2
• Beta (1Y): 0.72
• Revenue Growth: 2.09%
• EPS Growth: 24.41%
• Country: US
• Employees: 3,114
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 0.83
• Shares Outstanding: 306,687,700
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 0
• PEG Ratio: 0.77
• Price to Book (P/B): 1.85
• Price to Sales (P/S): 2.93
• P/FCF Ratio: -9.85
• Enterprise Value/Market Cap: 0.58
• Enterprise Value/Revenue: 2.07
• Enterprise Value/Gross Profit: 2.57
• Enterprise Value/Ebitda: 711.37
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: ―

EFG International's overall score reflects strong financial performance with robust revenue growth and profit margins, balanced by concerns over cash flow issues. The technical analysis presents a mixed outlook with bearish momentum indicators. The stock's valuation is fair, supported by a decent dividend yield. The absence of recent earnings call data or notable corporate events does not detract from the current assessment.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective client acquisition strategies, supporting long-term business expansion.

Profit Margins

High profit margins reflect operational efficiency and pricing power, providing a buffer against economic fluctuations and supporting profitability.

Balance Sheet Health

A debt-free balance sheet enhances financial stability, reducing risk and providing flexibility for strategic investments and growth opportunities.

Negative Factors

Cash Flow Challenges

Negative cash flow ratios suggest difficulties in converting profits into cash, which could hinder reinvestment and operational flexibility.

Free Cash Flow Decline

Declining free cash flow limits the company's ability to fund new projects, pay dividends, or reduce debt, impacting long-term financial health.

EBIT Concerns

A drop in EBIT to zero indicates potential inefficiencies or increased costs, which may affect profitability and require strategic adjustments.

EFG International Business Overview & Revenue Model

Company Description

EFG International (EFGXY) is a global private banking group headquartered in Zurich, Switzerland. The company specializes in providing private banking and asset management services to high-net-worth individuals and institutions. EFG International operates across multiple geographies with a strong presence in Europe, Asia Pacific, and the Americas, offering services such as wealth planning, investment advisory, and portfolio management.

How the Company Makes Money

EFG International makes money primarily through its wealth management and asset management services. The company's revenue model is based on fees and commissions earned from managing client assets and providing investment advice. Key revenue streams include management fees charged on assets under management (AUM), transaction fees for executing trades on behalf of clients, and advisory fees for personalized financial planning and investment strategies. EFG International also benefits from interest income generated through its banking operations. Strategic partnerships with other financial institutions and a focus on high-net-worth clients contribute significantly to its earnings.

EFG International Financial Statement Overview

Summary

EFG International demonstrates strong revenue growth and profit margins, with a robust balance sheet free of leverage risk. However, challenges are evident in cash flow, with negative free cash flow and operating cash flow, indicating potential operational issues.

Income Statement

EFG International has demonstrated solid revenue growth with a recent increase from $1.43 billion to $1.50 billion, equating to a growth rate of 4.75%. The net profit margin is robust at 21.46%, and the gross profit margin is 100%, indicative of efficient operations in the banking industry. However, EBIT has dropped to zero, which could signal operational challenges.

Balance Sheet

The company maintains a strong equity base with a debt-to-equity ratio of 0, reflecting no leverage risk. The return on equity is healthy at 13.52%, showing effective use of equity to generate profits. The equity ratio is moderate at 5.86%, which is typical for the banking sector. However, the low equity relative to total assets could be a concern in a more volatile market environment.

Cash Flow

EFG International's cash flow presents a mixed picture. The operating cash flow to net income ratio is negative, indicating operational challenges. The free cash flow has decreased significantly, resulting in a negative free cash flow growth rate. The free cash flow to net income ratio is negative, suggesting potential issues in generating cash from operations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.92B	1.50B	1.43B	1.56B	1.26B	1.12B
Gross Profit	1.55B	1.50B	1.44B	1.27B	1.25B	1.12B
EBITDA	5.60M	0.00	0.00	319.80M	327.70M	0.00
Net Income	461.40M	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	7.31B	8.01B	6.66B	11.23B	12.08B	11.30B
Total Debt	909.60M	440.00M	239.00M	243.70M	475.20M	602.00M
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	-4.22B	-445.50M	479.50M	3.06B	-597.90M	-974.80M
Operating Cash Flow	-4.17B	-397.10M	480.00M	3.10B	-590.10M	-961.40M
Investing Cash Flow	1.28B	484.00M	-1.22B	-1.93B	-659.80M	337.60M
Financing Cash Flow	487.10M	41.10M	-3.39B	-432.70M	1.95B	1.03B

EFG International Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 23.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 23 is above the 20-day moving average (MA) of 22.20, above the 50-day MA of 21.24, and above the 200-day MA of 18.42, indicating a bullish trend. The MACD of 0.60 indicates Negative momentum. The RSI at 65.93 is Neutral, neither overbought nor oversold. The STOCH value of 82.35 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
NTB	82 Outperform	$2.02B	9.05	20.99%	3.81%	-0.09%	18.47%
NWG	81 Outperform	$66.05B	9.57	14.58%	3.95%	7.43%	30.31%
EWBC	79 Outperform	$15.18B	12.17	15.54%	2.19%	3.87%	14.61%
BCS	77 Outperform	$80.65B	10.66	9.44%	1.88%	17.50%	49.25%
ING	72 Outperform	$78.34B	11.93	11.71%	4.39%	2.20%	-0.17%
EFGXY	68 Neutral	$6.86B	16.23	19.05%	3.19%	2.09%	24.41%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%