EFG International AG (EFGN) fair value: what the stock is really worth
As of Nov 12, 2026: fair value (intrinsic value) of EFG International AG stock CHF 11.81, price CHF 17.20, that is 31.3% below the price, quality 49 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 11, 2026.
How to read this chart
60‑month range CHF 4.83 – CHF 19.75 · fair‑value band CHF 8.86 – CHF 14.76 · the CHF 17.20 price screens above the CHF 11.81 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 11, 2026.
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EFG International AG, together with its subsidiaries, provides private banking, wealth management, and asset management services.
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The company offers investment solutions, including advisory solutions, discretionary solutions, alternative and private market investments, and advanced investment solutions; wealth services, such as wealth solutions, wealth planning, and trusts and fund services; and credit solutions, such as real asset financing and lending against existing financial assets.
It also provides other banking services consisting of accounts and cards, precious metals, custody services, foreign exchange and treasury, and trading services; and supports independent asset managers to set up private label funds.
In addition, the company provides asset management services, including investment process and responsible investment. Further, it acts as independent asset manager, as well as offering online and mobile platforms for access to finance and e-banking services.
It operates in Australia, Bahamas, the Cayman Islands, Channel Islands, Dubai, Hong Kong, Liechtenstein, Luxembourg, Monaco, Singapore, Switzerland, the United Kingdom, and the United States. EFG International AG was founded in 1995 and is headquartered in Zurich, Switzerland.
Stock analysis
EFG International AG (EFGN) currently trades at CHF 17.20, while our model-based Fair Value estimate is CHF 11.81, 31% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of CHF 20.75 per share, and 2 of the 6 models we run sit above the CHF 17.20 price.
Bear case: the Asset-Based group reads lowest at CHF 4.58, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: CHF 8.86 (bear) to CHF 14.76 (bull), the price of CHF 17.20 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 49/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
EFG International AG reported revenue of CHF 2.6B in FY2025 versus CHF 1.6B in FY2021, a compound +12.2%/yr. Reported net income was CHF 325M in FY2025, compounding +12.1%/yr from FY2021.
Key figures
Market cap CHF 5.3B Mid · P/E ratio 20.0 · P/S ratio 3.09 · EPS (TTM) CHF 0.8600 · Dividend yield 3.8% · Net margin 16.8% · Return on equity 12.3% · Return on assets (EBIT) 0.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (low confidence).
What moves the price
The share trades about 13% below its 52-week high and 13% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 2% fair-value upside, at −31%, EFGN screens richer than that median.
Fair Value models
BearCHF 8.86Fair Value CHF 11.81BullCHF 14.76
Price CHF 17.20 · Downside -31.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (CHF 0.1824 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+73.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.1%
Start year 2020 (pandemic). Over 10 years: +14.0% a year
Revenue growth 22 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+27.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+23.3%
Dividend (yield on the price)3.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.23.3% vs 10.3%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.14% → 15%
AI conclusion: Steady asset growth via inflows and acquisitions forms the main strength, while negative free cash flow and operating cash flow remain the central weakness for this wealth manager.
Main risk: Digital challengers such as Swissquote and other fintech wealth platforms could draw cost-sensitive HNW clients with lower fees and advanced digital tools, eroding EFG's share in those segments and pressuring advisory margins.
Bull case: By accelerating its digital platform enhancements and compliance investments EFG could strengthen client retention and operational resilience against fintech pressure and regulatory demands.
Bear case: If fintech platforms capture more cost-sensitive clients and regulatory actions continue to mount EFG could face sustained margin compression and slower asset inflows across its international network.
EFG has settled its longstanding litigation with Kuwait’s public pension fund, removing another legacy risk from the balance sheet. For a diversified wealth manager that has grown assets steadily through inflows and acquisitions, this cleanup strengthens its position. Our models continue to see the shares as overvalued. Will the lighter legal burden now support sustained outperformance or simply expose other headwinds?
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Diversified · 47 stocks
Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score49 · Bottom 25%
Fair Value upside−31.3% · Below median
Profitability
Return on equity (12 months)12.3% · Above median
Return on assets0.8% · Above median
Net margin (12 months)16.8% · Bottom 25%
Operating margin (12 months)27.2% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)7.2% · Above median
Dividend yield (12 months)3.8% · Above median
Balance sheet
Debt / equity0.36× · Lowest 25%
Valuation Multiplesvs Banks - Diversified median · lower = cheaper
P/E (12 months)20.0× · Priciest 25%
P/B2.22× · Priciest 25%
P/S (12 months)3.09× · Cheapest 25%
EV/EBITDA2.8× · Cheapest 25%
PEG0.43× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 4
FUTURE (revenue growth)36· sector 33
PAST (return on equity)49· sector 48
HEALTH (low debt)–
DIVIDEND (yield)76· sector 67
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "EFG International AG Fair Value". https://www.fairvalue-calculator.com/stock/EFGN
Frequently asked questions
Is EFG International AG (EFGN) overvalued or undervalued?
As of Nov 11, 2026, our model estimates a fair value of CHF 11.81 versus a price of CHF 17.20, about 31% lower (overvalued).
What is the fair value of EFGN?
Our model-based fair value for EFG International AG is CHF 11.81 (as of Nov 11, 2026), built from audited fundamentals. The current price: CHF 17.20.
What is the quality score of EFGN?
EFG International AG has a Quality Score of 49/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for EFG International AG (EFGN)?
Our model-based price target is the fair value of CHF 11.81 (as of Nov 11, 2026) from 6 valuation models. Cautious scenario CHF 8.86, optimistic scenario CHF 14.76. It is a calculation from audited fundamentals, not an analyst target.
What is the EFG International AG stock forecast for 2026?
Our models put fair value at CHF 11.81, about 31% lower versus a price of CHF 17.20 (overvalued). Cautious scenario CHF 8.86, optimistic scenario CHF 14.76. The calculation is refreshed regularly with new filings.
What is the revenue of EFG International AG (EFGN)?
EFG International AG reported trailing-twelve-month revenue of about CHF 1.7B (latest available figure, as of Nov 11, 2026).
Does EFG International AG pay a dividend?
EFG International AG currently shows a dividend yield of 3.78% relative to its recent price (as of Nov 11, 2026).
How much is the dividend of EFG International AG (EFGN) and when is the ex-dividend date?
EFG International AG pays a dividend of CHF 0.65 per share a year, a dividend yield of 3.8%. The last ex-dividend date was Mar 26, 2026. A dividend has been paid every year since at least 2007. The payout ratio is 75.6% of earnings. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What is the intrinsic value of EFG International AG (EFGN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For EFG International AG it is CHF 11.81 per share (as of Nov 11, 2026), against a price of CHF 17.20. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is EFG International AG stock overvalued or undervalued in 2026?
As of Nov 11, 2026, EFGN trades above its calculated fair value: price CHF 17.20, fair value CHF 11.81, a gap of about −31% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of EFGN?
No. The price is what the market pays today (CHF 17.20); the fair value is what the company's own numbers justify (CHF 11.81). For EFG International AG the two are CHF 5.39 per share apart. That gap is exactly why we show both numbers side by side.
How much is EFG International AG worth?
The market values EFG International AG at about CHF 5.3B (market capitalisation, as of Nov 11, 2026). Per share that is CHF 17.20; our models calculate a fair value of CHF 11.81 per share.
What do the bullish and bearish scenarios say about EFGN?
Our models span a range for EFG International AG: cautious scenario CHF 8.86, base CHF 11.81, optimistic CHF 14.76 per share (as of Nov 11, 2026, price CHF 17.20). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EFGN?
EFG International AG trades at a price-to-earnings ratio of 20.0 (as of Nov 11, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of CHF 11.81 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings: 13.9. Other multiples: PEG 0.4, P/B 2.2, P/S 3.1, EV/EBITDA 2.8.
What is the PEG ratio of EFGN?
The PEG ratio of EFG International AG is 0.43 (P/E divided by earnings growth, as of Nov 11, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of EFG International AG (EFGN)?
Balance-sheet figures for EFG International AG (as of Nov 11, 2026): return on equity 12.3%, debt of 0.36 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is EFGN from its 52-week high?
EFG International AG trades at CHF 17.20, about 13% below its 52-week high of CHF 19.75 and 13% above the low of CHF 15.28 (as of Nov 12, 2026). Distance from the high says nothing about value: that is what the fair value of CHF 11.81 is for.
Which stocks are comparable to EFG International AG?
From the same area (Financial Services) we also value JPMorgan Chase & Co, China Construction Bank Corporation, Industrial and Commercial Bank of China Limited, Agricultural Bank of China Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is EFG International AG stock attractive at the current price?
The data as of Nov 11, 2026: price CHF 17.20, calculated fair value CHF 11.81 (−31%), Quality Score 49/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of EFGN calculated?
We run EFG International AG through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of CHF 11.81 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.3% above its aggregate fair value. EFG International AG itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of EFG International AG (EFGN)?
The closing price on Nov 12, 2026 was CHF 17.20. Our model-based fair value is CHF 11.81, about 31% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with EFG International AG right now?
The price sits above even our optimistic bull case (CHF 14.76). The favourable scenario is already priced in. Weak quality (49/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of EFG International AG (EFGN) come from?
Earnings per share at EFG International AG grew +4.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.1 %, EBIT margin +9.2 %, tax rate −0.9 %, residual (interest, one-offs) −6.9 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of EFG International AG
How large is the market capitalisation of EFG International AG (EFGN)?
The market capitalisation of EFG International AG is CHF 5.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of EFG International AG (EFGN)?
The price-to-sales ratio of EFG International AG is 3.09 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of EFG International AG (EFGN)?
Earnings per share at EFG International AG are CHF 0.8600 (price ÷ EPS = P/E 20.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of EFG International AG (EFGN)?
The dividend yield of EFG International AG is 3.8% (payout 75.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of EFG International AG (EFGN)?
The net margin of EFG International AG is 16.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of EFG International AG (EFGN)?
The return on equity (ROE) of EFG International AG is 12.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of EFG International AG (EFGN)?
On an EBIT basis the return on assets of EFG International AG is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of EFG International AG (EFGN)?
The operating margin of EFG International AG is 27.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at EFG International AG (EFGN)?
Revenue at EFG International AG is growing +7.2% versus a year earlier (3y avg +13.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at EFG International AG (EFGN)?
Earnings per share at EFG International AG are growing −14.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does EFG International AG (EFGN) generate?
The free cash flow of EFG International AG is −CHF 1.4B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does EFG International AG (EFGN) hold?
EFG International AG holds more cash than debt, CHF 4.3B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 11, 2026