EFG International AG

EFGN.SW

Asset Management · Financial Services

Also trades as: 0QJX.L

Price

CHF 16.92

+0.04 (+0.24%)

Market Cap

CHF 5.09B

Exchange

SIX Swiss Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 12, 2026 · filings through Jun 30, 2026

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)

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.

Winston Score History

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

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

67.5%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$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

Gross Margin

69.9%

Premium pricing power — 69.9% gross margin

Operating Margin

17.6%

Healthy — 17.6% operating margin

ROCE

3.3%

Weak — 3.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+82.4%

Fast-growing sales (+82.4% YoY)

EPS YoY

+8.1%

Earnings growing (+8.1% YoY)

Single-digit earnings growth — steady but not exciting.

EPS Consistency

5/8 quarters

Mixed — about half the quarters showed growth

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Cash Flow

Cash Conversion

443%

Turns 443% of profit into real cash

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.

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Stability

Debt / Equity

1.91

Elevated debt (1.91)

Interest Cover

0.44x

Dangerous — barely covers interest (0.4x)

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

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Valuation

P/E Ratio (TTM)

18.2x

Fair value — P/E 18.2

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

P/E vs Forward

+6.0

GROWING

Earnings expected to grow meaningfully — cheaper on forward P/E (18.2 → 12.2)

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Dividends

Dividend Yield

3.84%

Moderate income — 3.84% yield

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

Dividend Growth

+134.4%

Dividend growing fast (134.4% YoY)

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