EFG International AG Logo

EFG International AG

EFGN.SW

(2.2)
Stock Price

11,94 CHF

0.75% ROA

13.79% ROE

11.75x PER

Market Cap.

3.514.310.178,00 CHF

224.33% DER

4.73% Yield

15.4% NPM

EFG International AG Stock Analysis

EFG International AG Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

EFG International AG Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (12%), which means it has a small amount of debt compared to the ownership it holds

2 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

3 ROE

ROE in an average range (9.38%) suggests satisfactory profitability and decent utilization of shareholders' equity.

4 ROA

The stock's ROA (0.47%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

5 PBV

The stock's PBV ratio (1.5x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

6 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

7 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (75), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

8 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Net Profit Growth

Over the past five years, this company's net profit has failed to exhibit any growth, indicating a stagnant financial performance and making it a less favorable choice for potential investors.

10 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

11 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

EFG International AG Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

EFG International AG Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

EFG International AG Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

EFG International AG Revenue
Year Revenue Growth
2003 200.047.000
2004 238.751.000 16.21%
2005 338.409.000 29.45%
2006 634.438.000 46.66%
2007 914.900.000 30.65%
2008 946.300.000 3.32%
2009 859.100.000 -10.15%
2010 321.100.000 -167.55%
2011 753.200.000 57.37%
2012 807.400.000 6.71%
2013 665.100.000 -21.4%
2014 719.400.000 7.55%
2015 696.800.000 -3.24%
2016 718.200.000 2.98%
2017 1.122.400.000 36.01%
2018 1.131.500.000 0.8%
2019 1.170.800.000 3.36%
2019 1.623.700.000 27.89%
2020 1.466.700.000 -10.7%
2021 1.634.900.000 10.29%
2022 1.755.700.000 6.88%
2023 1.430.800.000 -22.71%
2024 2.973.600.000 51.88%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

EFG International AG Research and Development Expenses
Year Research and Development Expenses Growth
2003 0
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

EFG International AG General and Administrative Expenses
Year General and Administrative Expenses Growth
2003 108.016.000
2004 123.949.000 12.85%
2005 36.406.000 -240.46%
2006 57.754.000 36.96%
2007 89.200.000 35.25%
2008 112.500.000 20.71%
2009 107.000.000 -5.14%
2010 114.200.000 6.3%
2011 0 0%
2012 93.000.000 100%
2013 75.600.000 -23.02%
2014 81.900.000 7.69%
2015 91.000.000 10%
2016 138.400.000 34.25%
2017 300.900.000 54%
2018 205.600.000 -46.35%
2019 162.100.000 -26.84%
2019 162.100.000 0%
2020 151.000.000 -7.35%
2021 139.600.000 -8.17%
2022 147.900.000 5.61%
2023 152.300.000 2.89%
2024 168.400.000 9.56%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

EFG International AG EBITDA
Year EBITDA Growth
2003 91.815.000
2004 121.443.000 24.4%
2005 231.568.000 47.56%
2006 641.561.000 63.91%
2007 927.900.000 30.86%
2008 893.700.000 -3.83%
2009 344.700.000 -159.27%
2010 -539.600.000 163.88%
2011 -84.200.000 -540.86%
2012 371.200.000 122.68%
2013 -1.600.001 23299.99%
2014 -34.300.000 95.34%
2015 -4.500.000 -662.22%
2016 211.300.000 102.13%
2017 -10.800.000 2056.48%
2018 -92.700.000 88.35%
2019 551.400.000 116.81%
2019 -50.900.000 1183.3%
2020 -15.500.000 -228.39%
2021 25.300.000 161.26%
2022 -86.500.000 129.25%
2023 411.800.000 121.01%
2024 -44.800.000 1019.2%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

EFG International AG Gross Profit
Year Gross Profit Growth
2003 200.047.000
2004 238.751.000 16.21%
2005 338.409.000 29.45%
2006 634.438.000 46.66%
2007 914.900.000 30.65%
2008 946.300.000 3.32%
2009 859.100.000 -10.15%
2010 321.100.000 -167.55%
2011 753.200.000 57.37%
2012 807.400.000 6.71%
2013 665.100.000 -21.4%
2014 719.400.000 7.55%
2015 696.800.000 -3.24%
2016 718.200.000 2.98%
2017 1.122.400.000 36.01%
2018 1.131.500.000 0.8%
2019 1.170.800.000 3.36%
2019 1.623.700.000 27.89%
2020 1.466.700.000 -10.7%
2021 1.634.900.000 10.29%
2022 1.755.700.000 6.88%
2023 1.430.800.000 -22.71%
2024 5.512.400.000 74.04%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

EFG International AG Net Profit
Year Net Profit Growth
2003 33.167.000
2004 43.059.000 22.97%
2005 120.894.000 64.38%
2006 229.981.000 47.43%
2007 332.000.000 30.73%
2008 221.900.000 -49.62%
2009 101.100.000 -119.49%
2010 -721.800.000 114.01%
2011 -294.100.000 -145.43%
2012 111.000.000 364.95%
2013 74.500.000 -48.99%
2014 61.400.000 -21.34%
2015 57.100.000 -7.53%
2016 225.200.000 74.64%
2017 -61.800.000 464.4%
2018 70.300.000 187.91%
2019 100.300.000 29.91%
2019 94.200.000 -6.48%
2020 115.300.000 18.3%
2021 205.800.000 43.97%
2022 202.400.000 -1.68%
2023 303.200.000 33.25%
2024 611.600.000 50.43%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

EFG International AG Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2003 6
2004 1 -400%
2005 1 0%
2006 1 100%
2007 2 50%
2008 1 -100%
2009 1 0%
2010 -6 100%
2011 -2 -150%
2012 1 0%
2013 1 0%
2014 0 0%
2015 0 0%
2016 1 100%
2017 0 0%
2018 0 0%
2019 0 0%
2019 0 0%
2020 0 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 2 100%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

EFG International AG Free Cashflow
Year Free Cashflow Growth
2005 2.218.188.000
2006 2.803.618.000 20.88%
2007 324.100.000 -765.05%
2008 1.882.600.000 82.78%
2009 401.700.000 -368.66%
2010 -2.783.000.000 114.43%
2011 24.000.000 11695.83%
2012 932.500.000 97.43%
2013 -716.300.000 230.18%
2014 -287.200.000 -149.41%
2015 395.200.000 172.67%
2016 730.500.000 45.9%
2017 1.302.700.000 43.92%
2018 521.900.000 -149.61%
2019 -81.600.000 739.58%
2019 42.650.000 291.32%
2020 -225.900.000 118.88%
2021 132.200.000 270.88%
2022 -196.500.000 167.28%
2023 -2.670.300.000 92.64%
2024 1.075.300.000 348.33%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

EFG International AG Operating Cashflow
Year Operating Cashflow Growth
2005 2.383.835.000
2006 2.820.578.000 15.48%
2007 355.700.000 -692.97%
2008 1.922.500.000 81.5%
2009 496.900.000 -286.9%
2010 -2.760.600.000 118%
2011 43.500.000 6446.21%
2012 955.300.000 95.45%
2013 -707.700.000 234.99%
2014 -279.700.000 -153.02%
2015 402.500.000 169.49%
2016 745.000.000 45.97%
2017 1.343.400.000 44.54%
2018 535.200.000 -151.01%
2019 -45.100.000 1286.7%
2019 51.775.000 187.11%
2020 -183.600.000 128.2%
2021 175.800.000 204.44%
2022 -152.500.000 215.28%
2023 -2.644.100.000 94.23%
2024 1.075.300.000 345.89%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

EFG International AG Capital Expenditure
Year Capital Expenditure Growth
2005 165.647.000
2006 16.960.000 -876.69%
2007 31.600.000 46.33%
2008 39.900.000 20.8%
2009 95.200.000 58.09%
2010 22.400.000 -325%
2011 19.500.000 -14.87%
2012 22.800.000 14.47%
2013 8.600.000 -165.12%
2014 7.500.000 -14.67%
2015 7.300.000 -2.74%
2016 14.500.000 49.66%
2017 40.700.000 64.37%
2018 13.300.000 -206.02%
2019 36.500.000 63.56%
2019 9.125.000 -300%
2020 42.300.000 78.43%
2021 43.600.000 2.98%
2022 44.000.000 0.91%
2023 26.200.000 -67.94%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

EFG International AG Equity
Year Equity Growth
2003 207.890.000
2004 738.258.000 71.84%
2005 2.082.352.000 64.55%
2006 2.304.513.000 9.64%
2007 2.439.100.000 5.52%
2008 2.257.500.000 -8.04%
2009 2.238.300.000 -0.86%
2010 1.298.700.000 -72.35%
2011 1.011.500.000 -28.39%
2012 1.316.400.000 23.16%
2013 1.106.500.000 -18.97%
2014 1.175.100.000 5.84%
2015 1.129.000.000 -4.08%
2016 2.124.100.000 46.85%
2017 1.727.000.000 -22.99%
2018 1.656.099.999 -4.28%
2019 1.780.800.000 7%
2020 1.758.000.000 -1.3%
2021 2.291.500.000 23.28%
2022 2.065.300.000 -10.95%
2023 2.217.100.000 6.85%
2023 2.183.100.000 -1.56%
2024 2.256.500.000 3.25%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

EFG International AG Assets
Year Assets Growth
2003 3.281.843.000
2004 4.530.530.000 27.56%
2005 10.827.079.000 58.16%
2006 15.888.422.000 31.86%
2007 18.036.600.000 11.91%
2008 18.894.300.000 4.54%
2009 20.650.000.000 8.5%
2010 20.893.200.000 1.16%
2011 21.040.900.000 0.7%
2012 23.625.900.000 10.94%
2013 21.698.600.000 -8.88%
2014 25.344.100.000 14.38%
2015 26.796.400.000 5.42%
2016 42.186.200.000 36.48%
2017 41.612.700.000 -1.38%
2018 40.160.500.000 -3.62%
2019 40.984.800.000 2.01%
2020 40.637.200.000 -0.86%
2021 42.143.000.000 3.57%
2022 43.538.100.000 3.2%
2023 38.585.900.000 -12.83%
2023 40.901.000.000 5.66%
2024 41.168.200.000 0.65%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

EFG International AG Liabilities
Year Liabilities Growth
2003 3.073.953.000
2004 3.792.272.000 18.94%
2005 8.744.727.000 56.63%
2006 13.583.909.000 35.62%
2007 15.597.500.000 12.91%
2008 16.636.800.000 6.25%
2009 18.411.700.000 9.64%
2010 19.594.500.000 6.04%
2011 20.029.400.000 2.17%
2012 22.309.500.000 10.22%
2013 20.592.100.000 -8.34%
2014 24.169.000.000 14.8%
2015 25.667.400.000 5.84%
2016 40.062.100.000 35.93%
2017 39.885.700.000 -0.44%
2018 38.504.400.000 -3.59%
2019 39.204.000.000 1.78%
2020 38.879.200.000 -0.84%
2021 39.851.500.000 2.44%
2022 41.472.800.000 3.91%
2023 239.000.000 -17252.64%
2023 32.900.000 -626.44%
2024 39.262.700.000 99.92%

EFG International AG Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.42
Net Income per Share
0.99
Price to Earning Ratio
11.75x
Price To Sales Ratio
1.75x
POCF Ratio
1.7
PFCF Ratio
1.67
Price to Book Ratio
1.61
EV to Sales
-0.98
EV Over EBITDA
81.59
EV to Operating CashFlow
-0.92
EV to FreeCashFlow
-0.93
Earnings Yield
0.09
FreeCashFlow Yield
0.6
Market Cap
3,51 Bil.
Enterprise Value
-1,96 Bil.
Graham Number
12.68
Graham NetNet
-92.07

Income Statement Metrics

Net Income per Share
0.99
Income Quality
6.7
ROE
0.14
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.86
EBT Per Ebit
0.98
Ebit per Revenue
0.18
Effective Tax Rate
0.11

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.04
Gross Profit Margin
1.32
Operating Profit Margin
0.18
Pretax Profit Margin
0.18
Net Profit Margin
0.15

Dividends

Dividend Yield
0.05
Dividend Yield %
4.73
Payout Ratio
0.98
Dividend Per Share
0.55

Operating Metrics

Operating Cashflow per Share
6.84
Free CashFlow per Share
6.75
Capex to Operating CashFlow
0.01
Capex to Revenue
0.01
Capex to Depreciation
0.35
Return on Invested Capital
0.04
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.08

Balance Sheet

Cash per Share
33,76
Book Value per Share
6,11
Tangible Book Value per Share
5.47
Shareholders Equity per Share
7.23
Interest Debt per Share
16.61
Debt to Equity
2.24
Debt to Assets
0.12
Net Debt to EBITDA
228.02
Current Ratio
1526.74
Tangible Asset Value
1,71 Bil.
Net Current Asset Value
-28,73 Bil.
Invested Capital
11091400000
Working Capital
10,53 Bil.
Intangibles to Total Assets
0
Average Receivables
0,01 Bil.
Average Payables
0,01 Bil.
Average Inventory
-4409900000
Debt to Market Cap
1.44

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

EFG International AG Dividends
Year Dividends Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 1 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 1 0%

EFG International AG Profile

About EFG International AG

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.

CEO
Mr. Piergiorgio Pradelli
Employee
3.118
Address
Bleicherweg 8
Zurich, 8022

EFG International AG Executives & BODs

EFG International AG Executives & BODs
# Name Age
1 Ms. Ioanna Archimandriti
Global Head of Human Resources
70
2 Mr. Jens Brueckner
Head of Investor Relations
70
3 Ms. Vassiliki Dimitrakopoulou
Global Head of Legal & Compliance
70
4 Daniela Haesler
Head of Marketing & Communication
70
5 Mr. Albert Chiu
Head of Asia Pacific Region
70
6 Sir Anthony Edmund Cooke-Yarborough
Chairman of the Private Banking
70
7 Mr. Piergiorgio Pradelli
Chief Executive Officer & Co-Chairman of Sustainability Advisory Board
70
8 Mr. Dimitris Ch. Politis
Chief Financial Officer & Deputy Chief Executive Officer
70
9 Mr. Oliver Heinzelmann
Chief Operating Officer
70
10 Mr. Mozamil Afzal
Chief Investment Officer
70

EFG International AG Competitors

Vontobel Holding AG Logo
Vontobel Holding AG

VONN.SW

(2.0)
Julius Bär Gruppe AG Logo
Julius Bär Gruppe AG

BAER.SW

(2.2)
Helvetia Holding AG Logo
Helvetia Holding AG

HELN.SW

(3.0)
Cembra Money Bank AG Logo
Cembra Money Bank AG

CMBN.SW

(2.5)
Leonteq AG Logo
Leonteq AG

LEON.SW

(3.5)