EFG International AG

EFGN.SW

Asset Management · Financial Services

Also trades as: 0QJX.L

Price

CHF 16.36

-0.02 (-0.12%)

Market Cap

CHF 4.92B

Exchange

SIX Swiss Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Good

Growth

Good

Cash Flow

Exceptional

Stability

Weak

Valuation

Strong

Dividends

Strong

Track this stock — start free trial

Share count falling — buybacks

−3.0% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 316.3M (2021) → 306.7M (2025)

Winston Score History

The full picture

EFG International is a Swiss private bank that manages money for wealthy individuals and families around the world. Its main service is helping rich clients invest, protect, and grow their wealth through personalized banking and investment advice. The company is headquartered in Zurich and operates under the EFG brand, which stands for European Financial Group.

EFG makes money by charging fees based on how much client money it manages, plus commissions on transactions and interest from lending. It operates across more than 40 locations in Europe, Asia, the Americas, and the Middle East, with roughly $150 billion in assets under management. Its competitive edge comes from a decentralized model built around independent relationship managers who bring their own client networks to the firm. The main risk EFG faces is that wealthy clients can move their money to competitors relatively easily, so retaining top relationship managers and growing assets under management are critical to keeping revenue stable.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+229.1% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

+61.1% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

CHF 0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

66.8%ownership

↓ Declining

Insider ownership declining — could be dilution or selling

Cash Position

Cash flow positive

CHF 41.4B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

EFG International AG grew revenue 229% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Profit per sale

Gross Margin

69.9%

Premium pricing power — 69.9% gross margin

Profit after running costs

Operating Margin

17.6%

Healthy — 17.6% operating margin

Return on the money invested

ROCE

5.1%

Weak — 5.1% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales growth

Sales YoY

+82.4%

Fast-growing sales (+82.4% YoY)

Profit growth

EPS YoY

+8.1%

Earnings growing (+8.1% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Profit that turns into cash

Cash Conversion

443%

Turns 443% of profit into real cash

Spare cash per sale

FCF Margin

39.1%

Converts sales into free cash efficiently (39.1%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

What it owes vs what it owns

Debt / Equity

1.91

Elevated debt (1.91)

Covers its interest

Interest Cover

0.44x

Dangerous — barely covers interest (0.4x)

Interest coverage below 1. Their profits don't cover the interest bill.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

Price vs profit

P/E Ratio (TTM)

17.6x

Fair value — P/E 17.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

+5.3

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (17.6 → 12.2)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend

Dividend Yield

3.84%

Moderate income — 3.84% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record

Dividend Growth

+134.4%

Dividend growing fast (134.4% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial