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EFG International AG (0QJX) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of EFG International AG CHF 23.38, price CHF 15.92, upside +46.9%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Industrials · GB · Home Switzerland · ISIN CH0022268228

EI Broad data Sep 24, 2026

EFG International AG

0QJX · LSE

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value CHF 23.38 · Undervalued (+46.9%)
!Quality 50/100
!Expensive Growth (revenue 5y +12.1 %/yr)
✓Solidly profitable · 16.8% net margin (TTM)
!Low debt · negative free cash flow
!4.1% dividend yield · Pays more than it earns
!Moderate moat 58/100

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

CHF 19.85 CHF 4.85 Fair Value CHF 23.38 May 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range CHF 4.85 – CHF 19.85 · fair‑value band CHF 14.00 – CHF 28.63 · the CHF 15.92 price screens below the CHF 23.38 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

EFG International AG, together with its subsidiaries, provides private banking, wealth management, and asset management services.

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EFG International AG, together with its subsidiaries, provides private banking, wealth management, and asset management services. 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 (0QJX) currently trades at CHF 15.92, while our model-based Fair Value estimate is CHF 23.38, implying the stock looks roughly 31.9% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of CHF 90.75 per share, and 11 of the 17 models we run sit above the CHF 15.92 price.

Bear case: the Asset-Based group reads lowest at CHF 5.47, and 6 of the 17 models stay below the price. Evidence for this calculation is high.

Scenario range: CHF 14.00 (bear) to CHF 28.63 (bull), the price of CHF 15.92 sits inside 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 50/100 (below-average quality), in the Industrials 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 4.9B · P/E ratio 0.3 · P/S ratio 0.03 · EPS (TTM) CHF 0.5900 · Dividend yield 4.1% · Net margin 12.5% · Return on equity 12.3% · Return on assets (EBIT) 1.3%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).

What moves the price

The share trades about 20% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Industrials peers we cover trades at −40% fair-value upside, at 47%, 0QJX screens cheaper than that median.

Fair Value models

Bear CHF 14.00 Fair Value CHF 23.38 Bull CHF 28.63
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income CHF 7.79 CHF 9.38 CHF 12.77 76
Owner Earnings CHF 59.08 CHF 90.75 CHF 142.32 75
EPV CHF 24.82 CHF 26.42 CHF 27.80 74
All 17 models by family
DCF Models
Owner Earnings CHF 59.08 CHF 90.75 CHF 142.32 75
Earnings-Based
Graham-Dodd CHF 7.57 CHF 32.70 CHF 44.71 64
Lynch FV CHF 8.39 CHF 11.99 CHF 15.59 61
PEG = 1.0 CHF 8.39 CHF 11.99 CHF 15.59 57
EPV CHF 24.82 CHF 26.42 CHF 27.80 74
Dividend Discount
Gordon GGM CHF 5.41 CHF 10.79 CHF 16.33 67
DDM Multi-Stage CHF 5.41 CHF 9.32 CHF 11.38 67
Multiples
P/E Multiple CHF 17.54 CHF 23.38 CHF 29.23 63
P/S Multiple CHF 13.32 CHF 17.76 CHF 22.21 58
P/B Multiple CHF 14.20 CHF 18.93 CHF 23.66 55
EV/EBIT CHF 31.93 CHF 37.67 CHF 43.41 66
EV/EBITDA CHF 30.50 CHF 35.76 CHF 41.03 67
EV/Revenue CHF 25.89 CHF 30.68 CHF 35.48 54
Asset-Based
NCAV (Graham) CHF 4.09 CHF 5.47 CHF 8.17 54
Economic Profit
Residual Income CHF 7.79 CHF 9.38 CHF 12.77 76
ROIC Compounder CHF 24.82 CHF 26.42 CHF 27.80 72
Growth Earnings
Growth-Adj P/E CHF 14.00 CHF 20.00 CHF 26.00 67

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Quality Score breakdown

Overall quality 50/100

Of which business quality 41 · Market factors (momentum, volatility) 48

Profitability 28
Margins and returns on capital today
Quality Growth 49
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 26
Balance sheet, leverage, solvency risk
Investment 92
Disciplined investing over empire-building
Low Volatility 89
Calm price path (market factor)
Momentum 34
Price trend over the last 3–12 months (market factor)
52W Momentum 25
Distance to the 52-week high (market factor)
Net Issuance 98
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−4.4%
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: +10.1% 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%
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.
+27.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+23.3%
Dividend (yield on the price)4.1%
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.11% → 15%
Start year 2020 (pandemic)

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Values & ESG

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EFG International AG · Fair Value
CHF 23.38 +32%Fair Value
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Cite: Fair Value Calculator (2026). "EFG International AG Fair Value". https://www.fairvalue-calculator.com/stock/0QJX

Frequently asked questions

Is EFG International AG (0QJX) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of CHF 23.38 versus a price of CHF 15.92, about +47% upside (undervalued).
What is the fair value of 0QJX?
Our model-based fair value for EFG International AG is CHF 23.38 (as of Sep 24, 2026), built from audited fundamentals. The current price: CHF 15.92.
What is the quality score of 0QJX?
EFG International AG has a Quality Score of 50/100. 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 (0QJX)?
Our model-based price target is the fair value of CHF 23.38 (as of Sep 24, 2026) from 17 valuation models. Cautious scenario CHF 14.00, optimistic scenario CHF 28.63. 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 23.38, about +47% upside versus a price of CHF 15.92 (undervalued). Cautious scenario CHF 14.00, optimistic scenario CHF 28.63. The calculation is refreshed regularly with new filings.
What is the revenue of EFG International AG (0QJX)?
EFG International AG reported trailing-twelve-month revenue of about CHF 1.7B (latest available figure, as of Sep 24, 2026).
Does EFG International AG pay a dividend?
EFG International AG currently shows a dividend yield of about 4.08% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of EFG International AG (0QJX)?
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 23.38 per share (as of Sep 24, 2026), against a price of CHF 15.92. It is the blended result of 17 valuation models (cash flow, earnings, asset, dividend).
Is EFG International AG stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0QJX trades below its calculated fair value: price CHF 15.92, fair value CHF 23.38, a gap of about +47% (undervalued). 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 0QJX?
No. The price is what the market pays today (CHF 15.92); the fair value is what the company's own numbers justify (CHF 23.38). For EFG International AG the two are CHF 7.46 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 4.9B (market capitalisation, as of Sep 24, 2026). Per share that is CHF 15.92; our models calculate a fair value of CHF 23.38 per share.
What do the bullish and bearish scenarios say about 0QJX?
Our models span a range for EFG International AG: cautious scenario CHF 14.00, base CHF 23.38, optimistic CHF 28.63 per share (as of Sep 24, 2026, price CHF 15.92). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is 0QJX from its 52-week high?
EFG International AG trades at CHF 15.92, about 20% below its 52-week high of CHF 19.85 and 5% above the low of CHF 15.23 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of CHF 23.38 is for.
Which stocks are comparable to EFG International AG?
From the same area (Industrials) we also value INLCM, Contemporary Amperex Technology Co, Delta Electronics (Thailand) Public Company, Larsen & Toubro 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 Sep 24, 2026: price CHF 15.92, calculated fair value CHF 23.38 (+47%), Quality Score 50/100, from 17 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 0QJX calculated?
We run EFG International AG through 17 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of CHF 23.38, 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 14.5 % above its aggregate fair value. EFG International AG currently trades 32 % below its own fair value, and the market average says nothing about that. 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 (0QJX)?
The closing price on Oct 2, 2026 was CHF 15.92. Our model-based fair value is CHF 23.38, about +47% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with EFG International AG right now?
Solid quality (50/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (CHF 14.00 to CHF 28.63) leaves room in how you read the outcome.
Where does the earnings growth of EFG International AG (0QJX) 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 +3.3 %, EBIT margin +17.8 %, tax rate −0.9 %, residual (interest, one-offs) −13.2 %. 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 (0QJX)?
The market capitalisation of EFG International AG is CHF 4.9B. 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/E ratio of EFG International AG (0QJX)?
The price-to-earnings ratio of EFG International AG is 0.3 (as of Jul 29, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of EFG International AG (0QJX)?
The price-to-sales ratio of EFG International AG is 0.03 (P/E × margin). 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 (0QJX)?
Earnings per share at EFG International AG are CHF 0.5900 (price ÷ EPS = P/E 0.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of EFG International AG (0QJX)?
The dividend yield of EFG International AG is 4.1% (payout 110%). 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 (0QJX)?
The net margin of EFG International AG is 12.5% (fiscal year 2025). 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 (0QJX)?
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 (0QJX)?
On an EBIT basis the return on assets of EFG International AG is 1.3% (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 (0QJX)?
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 (0QJX)?
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 (0QJX)?
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 (0QJX) generate?
The free cash flow of EFG International AG is −CHF 1.0B (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 (0QJX) hold?
EFG International AG holds more cash than debt, CHF 1.7B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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