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

As of Oct 2, 2026: fair value of EFG International AG $14.41, price $18.29, upside -21.2%, quality 49 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 · US · ADR · Home Switzerland · ISIN US26842B1026

EI EFG International AG logo Some data Sep 23, 2026

EFG International AG

EFGXY · US

Weak valuationQuality is weak on top of the rich price.

!Fair value $14.41 · Overvalued (−21.2%)
!Quality 49/100
!Expensive Growth (revenue 5y +17.1 %/yr)
✓Solidly profitable · 19.6% net margin (TTM)
!Low debt · negative free cash flow
!3.6% dividend yield · Watch coverage
!Mixed vs. peers (6/12)
!Moderate moat 57/100
!Evidence only medium, so the estimate is less certain
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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

$25.85 $2.76 Fair Value $14.41 Jul 2015 Oct 2026

White line = price, green steps = our fair value per fiscal year. As of Sep 23, 2026.

How to read this chart

60‑month range $2.76 – $25.85 · fair‑value band $10.81 – $18.01 · the $18.29 price screens above the $14.41 fair value. As of Sep 23, 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 ADR (EFGXY) currently trades at $18.29, while our model-based Fair Value estimate is $14.41, 21.2% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $13.45 per share, and 0 of the 4 models we run sit above the $18.29 price.

Bear case: the Asset-Based group reads lowest at $6.44, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $10.81 (bear) to $18.01 (bull), the price of $18.29 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 ADR reported revenue of CHF 2.5B in FY2025 versus CHF 1.3B in FY2021, a compound +18.5%/yr. Reported net income was CHF 325M in FY2025, compounding +12.1%/yr from FY2021.

Key figures

Market cap $6.2B · P/E ratio 14.9 · P/S ratio 1.95 · EPS (TTM) $1.23 · Dividend yield 3.6% · Net margin 13.1% · Return on equity 13.7% · Return on assets (EBIT) 2.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).

What moves the price

For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at −21%, EFGXY screens richer than that median.

Fair Value models

Bear $10.81 Fair Value $14.41 Bull $18.01
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 ($0.4386 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 $9.15 $11.24 $16.25 75
P/E Multiple $12.74 $16.98 $21.23 63
P/B Multiple $10.09 $13.45 $16.82 55
All 4 models by family
Multiples
P/E Multiple $12.74 $16.98 $21.23 63
P/B Multiple $10.09 $13.45 $16.82 55
Asset-Based
NCAV (Graham) $4.80 $6.44 $9.61 54
Economic Profit
Residual Income $9.15 $11.24 $16.25 75

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Quality Score breakdown

Overall quality 49/100

Of which business quality 47 · Market factors (momentum, volatility) 56

Profitability 29
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 59
Balance sheet, leverage, solvency risk
Investment 92
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 45
Price trend over the last 3–12 months (market factor)
52W Momentum 83
Distance to the 52-week high (market factor)
Net Issuance 94
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
+65.3%
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.
+16.7%
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.
+17.1%
Start year 2020 (pandemic). Over 10 years: +9.6% 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.
+12.1%
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.
+26.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+23.3%
Dividend (yield on the price)3.6%
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 10.4%, picking up
Profit margin 2019 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.10% → 15%
Start year 2020 (pandemic)

EFGXY screens overvalued: fair value 21% below the price. 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 · 43 stocks

Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 53 · Below median
Fair Value upside −25.9% · Below median
Profitability
Return on equity (TTM) 13.7% · Above median
Return on assets 0.8% · Above median
Net margin (TTM) 19.6% · Bottom 25%
Operating margin (TTM) 30.9% · Bottom 25%
Growth and dividend
Revenue growth 14.7% · Above median
Dividend yield (TTM) 3.6% · Above median
Balance sheet
Debt / equity 0.04× · Lowest 25%

Valuation Multiplesvs Banks - Diversified median · lower = cheaper

P/E (TTM) 14.9× · Pricier than median
P/B 2.28× · Priciest 25%
P/S (TTM) 3.29× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 0
FUTURE (revenue growth)74 · sector 56
PAST (return on equity)55 · sector 48
HEALTH (low debt)98 · sector 41
DIVIDEND (yield)71 · sector 69

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.

Stock Price Fair Value vs Fair Value
JPMorgan Chase & Co JPM $330.83 $188.11 −43%
Industrial and Commercial Bank of China Limited 601398 ¥8.28 ¥10.93 +32%
China Construction Bank Corporation 601939 ¥10.98 ¥13.69 +25%
Bank of America Corporation BAC $55.47 $42.37 −24%
Agricultural Bank of China Limited 601288 ¥6.97 ¥12.94 +86%
Bank of China Limited 601988 ¥6.62 ¥9.86 +49%
Royal Bank of Canada RY $200.95 $130.85 −35%
Mitsubishi UFJ Financial Group MUFG $23.37 $14.86 −36%
Wells Fargo & Company WFC $80.05 $66.44 −17%
Citigroup Inc C $130.80 $107.10 −18%

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EFG International AG ADR · Fair Value
$14.41 −21%Fair Value
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Cite: Fair Value Calculator (2026). "EFG International AG ADR Fair Value". https://www.fairvalue-calculator.com/stock/EFGXY

Frequently asked questions

Is EFG International AG (EFGXY) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of $14.41 versus a price of $18.29, about −21% upside (overvalued).
What is the fair value of EFGXY?
Our model-based fair value for EFG International AG ADR is $14.41 (as of Sep 23, 2026), built from audited fundamentals. The current price: $18.29.
What is the quality score of EFGXY?
EFG International AG ADR 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 (EFGXY)?
Our model-based price target is the fair value of $14.41 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $10.81, optimistic scenario $18.01. It is a calculation from audited fundamentals, not an analyst target.
What is the EFG International AG ADR stock forecast for 2026?
Our models put fair value at $14.41, about −21% upside versus a price of $18.29 (overvalued). Cautious scenario $10.81, optimistic scenario $18.01. The calculation is refreshed regularly with new filings.
What is the revenue of EFG International AG (EFGXY)?
EFG International AG ADR reported trailing-twelve-month revenue of about CHF 1.7B (latest available figure, as of Sep 23, 2026).
Does EFG International AG ADR pay a dividend?
EFG International AG ADR currently shows a dividend yield of about 3.55% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of EFG International AG (EFGXY)?
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 ADR it is $14.41 per share (as of Sep 23, 2026), against a price of $18.29. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is EFG International AG ADR stock overvalued or undervalued in 2026?
As of Sep 23, 2026, EFGXY trades above its calculated fair value: price $18.29, fair value $14.41, a gap of about −21% (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 EFGXY?
No. The price is what the market pays today ($18.29); the fair value is what the company's own numbers justify ($14.41). For EFG International AG ADR the two are $3.88 per share apart. That gap is exactly why we show both numbers side by side.
How much is EFG International AG ADR worth?
The market values EFG International AG ADR at about $6.2B (market capitalisation, as of Sep 23, 2026). Per share that is $18.29; our models calculate a fair value of $14.41 per share.
What do the bullish and bearish scenarios say about EFGXY?
Our models span a range for EFG International AG ADR: cautious scenario $10.81, base $14.41, optimistic $18.01 per share (as of Sep 23, 2026, price $18.29). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of EFGXY?
EFG International AG ADR trades at a price-to-earnings ratio of 14.9 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $14.41 is built from several models across several years. Other multiples: P/B 2.3, P/S 3.3.
How solid is the balance sheet of EFG International AG (EFGXY)?
Balance-sheet figures for EFG International AG ADR (as of Sep 23, 2026): return on equity 13.7%, debt of 0.04 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
Which stocks are comparable to EFG International AG ADR?
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 ADR stock attractive at the current price?
The data as of Sep 23, 2026: price $18.29, calculated fair value $14.41 (−21%), Quality Score 49/100, from 4 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 EFGXY calculated?
We run EFG International AG ADR through 4 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 $14.41, 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 ADR 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 (EFGXY)?
The closing price on Oct 2, 2026 was $18.29. Our model-based fair value is $14.41, about −21% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with EFG International AG ADR right now?
Solid but not exceptional quality (49/100) and above fair value, neither a clear bargain nor a standout compounder. 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 (EFGXY) come from?
Earnings per share at EFG International AG ADR grew +4.9 % a year from 2014 to 2025. Broken into its drivers: revenue per share +0.9 %, EBIT margin +20.4 %, tax rate −0.9 %, residual (interest, one-offs) −12.9 %. 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 ADR

How large is the market capitalisation of EFG International AG (EFGXY)?
The market capitalisation of EFG International AG ADR is $6.2B. 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 (EFGXY)?
The price-to-sales ratio of EFG International AG ADR is 1.95 (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 (EFGXY)?
Earnings per share at EFG International AG ADR are $1.23 (price ÷ EPS = P/E 14.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of EFG International AG (EFGXY)?
The dividend yield of EFG International AG ADR is 3.6% (payout 52.8%). 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 (EFGXY)?
The net margin of EFG International AG ADR is 13.1% (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 (EFGXY)?
The return on equity (ROE) of EFG International AG ADR is 13.7% (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 (EFGXY)?
On an EBIT basis the return on assets of EFG International AG ADR is 2.2% (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 (EFGXY)?
The operating margin of EFG International AG ADR is 30.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at EFG International AG (EFGXY)?
Revenue at EFG International AG ADR is growing +14.7% versus a year earlier (3y avg +16.7%). 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 (EFGXY)?
Earnings per share at EFG International AG ADR are growing −35.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does EFG International AG (EFGXY) generate?
The free cash flow of EFG International AG ADR 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 (EFGXY) hold?
EFG International AG ADR holds more cash than debt, CHF 5.8B net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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