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

As of Sep 28, 2026: fair value of EFG International AG CHF 11.81, price CHF 15.96, upside -26.0%, quality 44 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · CH · ISIN CH0022268228

EI EFG International AG logo Broad data Sep 27, 2026

EFG International AG

EFGN · SW

Weak valuationQuality is weak on top of the rich price.

!Fair value CHF 11.81 · Overvalued (−26.0%)
!Quality 44/100
!Expensive Growth (revenue 5y +12.1 %/yr)
✓Solidly profitable · 16.8% net margin (TTM)
!Low debt · negative free cash flow
!4.1% dividend yield · Watch coverage
!Mixed vs. peers (8/14)
!Moderate moat 59/100
!Insider activity 30/100
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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 19.75 CHF 4.83 Fair Value CHF 11.81 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

60‑month range CHF 4.83 – CHF 19.75 · fair‑value band CHF 7.84 – CHF 14.76 · the CHF 15.96 price screens above the CHF 11.81 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 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 (EFGN) currently trades at CHF 15.96, while our model-based Fair Value estimate is CHF 11.81, implying the stock looks roughly 35.1% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of CHF 11.12 per share, and 0 of the 6 models we run sit above the CHF 15.96 price.

Bear case: the Asset-Based group reads lowest at CHF 5.32, and 6 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: CHF 7.84 (bear) to CHF 14.76 (bull), the price of CHF 15.96 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 44/100 (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 4.9B · P/E ratio 18.6 · P/S ratio 2.33 · EPS (TTM) CHF 0.8600 · Dividend yield 4.1% · Net margin 12.5% · Return on equity 12.3% · Return on assets (EBIT) 0.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).

What moves the price

The share trades about 19% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −20% fair-value upside, at −26%, EFGN screens richer than that median.

Fair Value models

Bear CHF 7.84 Fair Value CHF 11.81 Bull CHF 14.76
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (CHF 0.1565 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. 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 7.56 CHF 9.11 CHF 12.40 76
Gordon GGM CHF 5.25 CHF 10.47 CHF 15.85 67
DDM Multi-Stage CHF 5.25 CHF 9.05 CHF 11.05 67
All 6 models by family
Dividend Discount
Gordon GGM CHF 5.25 CHF 10.47 CHF 15.85 67
DDM Multi-Stage CHF 5.25 CHF 9.05 CHF 11.05 67
Multiples
P/E Multiple CHF 10.54 CHF 14.05 CHF 17.56 63
P/B Multiple CHF 8.34 CHF 11.12 CHF 13.90 55
Asset-Based
NCAV (Graham) CHF 3.97 CHF 5.32 CHF 7.94 54
Economic Profit
Residual Income CHF 7.56 CHF 9.11 CHF 12.40 76

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Quality Score breakdown

Overall quality 44/100

Of which business quality 42 · Market factors (momentum, volatility) 51

Profitability 28
Margins and returns on capital today
Quality Growth 43
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 43
Balance sheet, leverage, solvency risk
Investment 92
Disciplined investing over empire-building
Low Volatility 89
Calm price path (market factor)
Momentum 40
Price trend over the last 3–12 months (market factor)
52W Momentum 27
Distance to the 52-week high (market factor)
Net Issuance 81
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. 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%
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.14% → 15%
Start year 2020 (pandemic)

EFGN screens 35% overvalued. Compare with JPMorgan Chase & Co →

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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 · 42 stocks

Beats the industry median on 8/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 47 · Bottom 25%
Fair Value upside −26.0% · Above median
Profitability
Return on equity (TTM) 12.3% · Above median
Return on assets 0.7% · Above median
Net margin (TTM) 16.8% · Bottom 25%
Operating margin (TTM) 27.2% · Bottom 25%
Growth and dividend
Revenue growth 7.2% · Below median
Dividend yield (TTM) 4.1% · Above median
Balance sheet
Debt / equity 0.36× · Lowest 25%

Valuation Multiplesvs Banks - Diversified median · lower = cheaper

P/E (TTM) 18.6× · Priciest 25%
P/B 2.06× · Priciest 25%
P/S (TTM) 2.87× · Cheapest 25%
EV/EBITDA 1.8× · Cheapest 25%
PEG 0.43× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 0
FUTURE (revenue growth)36 · sector 56
PAST (return on equity)49 · sector 45
HEALTH (low debt)82 · sector 41
DIVIDEND (yield)81 · sector 71

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate.

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Bank of America Corporation BAC $56.70 $42.37 −25%
Agricultural Bank of China Limited 601288 ¥6.87 ¥12.94 +88%
Bank of China Limited 601988 ¥6.62 ¥9.86 +49%
Royal Bank of Canada RY $201.98 $130.85 −35%
Mitsubishi UFJ Financial Group MUFG $23.48 $14.80 −37%
Wells Fargo & Company WFC $82.97 $66.44 −20%
Citigroup Inc C $134.28 $107.10 −20%

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EFG International AG · Fair Value
CHF 11.81 −35%Fair Value
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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 Sep 27, 2026, our model estimates a fair value of CHF 11.81 versus a price of CHF 15.96, about −26% upside (overvalued).
What is the fair value of EFGN?
Our model-based fair value for EFG International AG is CHF 11.81 (as of Sep 27, 2026), built from audited fundamentals. The current price: CHF 15.96.
What is the quality score of EFGN?
EFG International AG has a Quality Score of 44/100. 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 Sep 27, 2026) from 6 valuation models. Cautious scenario CHF 7.84, 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 −26% upside versus a price of CHF 15.96 (overvalued). Cautious scenario CHF 7.84, 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 Sep 27, 2026).
Does EFG International AG pay a dividend?
EFG International AG currently shows a dividend yield of about 4.07% relative to its recent price (as of Sep 27, 2026).
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 Sep 27, 2026), against a price of CHF 15.96. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is EFG International AG stock overvalued or undervalued in 2026?
As of Sep 27, 2026, EFGN trades above its calculated fair value: price CHF 15.96, fair value CHF 11.81, a gap of about −26% (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 15.96); the fair value is what the company's own numbers justify (CHF 11.81). For EFG International AG the two are CHF 4.15 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 27, 2026). Per share that is CHF 15.96; 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 7.84, base CHF 11.81, optimistic CHF 14.76 per share (as of Sep 27, 2026, price CHF 15.96). 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 18.6 (as of Sep 27, 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. Other multiples: PEG 0.4, P/B 2.1, P/S 2.9, EV/EBITDA 1.8.
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 Sep 27, 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 Sep 27, 2026): return on equity 12.3%, debt of 0.36 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is EFGN from its 52-week high?
EFG International AG trades at CHF 15.96, about 19% below its 52-week high of CHF 19.75 and 5% above the low of CHF 15.26 (as of Sep 28, 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, Industrial and Commercial Bank of China Limited, China Construction Bank Corporation, Bank of America Corporation, 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 27, 2026: price CHF 15.96, calculated fair value CHF 11.81 (−26%), Quality Score 44/100, 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 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 11.81, 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 15.9 % 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 Sep 28, 2026 was CHF 15.96. Our model-based fair value is CHF 11.81, about −26% upside (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 (44/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (CHF 7.84 to CHF 14.76) leaves room in how you read the outcome. 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 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/S ratio of EFG International AG (EFGN)?
The price-to-sales ratio of EFG International AG is 2.33 (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 (EFGN)?
Earnings per share at EFG International AG are CHF 0.8600 (price ÷ EPS = P/E 18.6). 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 4.1% (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 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 (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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