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EFGN.S — — Banks

Efgn.S

$16,40
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Mcap
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P/E
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EV / Rev
—
Div yield
3,87 %
Op margin
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ROE
13,6 %
Net margin
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Debt / equity
1,12
Beta
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52w range
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Volume
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Day range
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Prev close
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Open
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Next earnings
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Ex-dividend
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TR 1Y
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About

EFGN.S operates as a bank, providing financial services and generating revenue primarily through interest income and fee-based services.

Business. EFGN.S operates as a bank, providing financial services and generating revenue primarily through interest income and fee-based services.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryBanks
Generated · model-assisted
Sell-side consensus
HOLD5 analysts
0 buy4 hold1 sell
Avg 12m price target19,53

Analyst recommendations

5 analysts · consensus Hold
Buy0
Hold4
Sell1
12-month price target
19,53
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
—
not yet scored
Valuation
—
valuation pending
Analysts→
Hold
5 analysts · indicative
Ownership
—
not yet wired
Profitability→
13,6 %
return on equity
Quality
—
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning EFGN.

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to EFGN.S. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Peers
    • DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
    • EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    EFGN.S operates as a bank, providing financial services and generating revenue primarily through interest income and fee-based services.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryBanks
    AI synthesis
    GENERATED

    EFGN.S has a total equity of CHF 2.39 billion and a debt-to-equity ratio of 1.12, indicating a moderate level of leverage. The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt. The return on equity (ROE) is 13.63%, which is a strong indicator of profitability relative to its equity base.

    The company's profitability is reflected in its ROE of 13.63%, which is significantly higher than the typical ROE for banks, suggesting efficient use of equity capital. However, the return on assets (ROA) is 0.83%, which is relatively low, indicating that the company is not generating substantial returns on its total asset base. This discrepancy may suggest that the company is using a high level of debt to finance its operations, which is reflected in the debt-to-equity ratio of 1.12.

    EFGN.S's revenue is not segmented by geographic regions or business lines in the provided data, making it difficult to assess the geographic or segment concentration of its revenue. The company's capital expenditures are negative, indicating that it is generating more cash from operations than it is spending on capital assets. This could suggest a mature business with stable operations and minimal need for new investments.

    The company's outlook for the current fiscal year is not explicitly provided, but the negative operating cash flow of CHF -1.39 billion and a free cash flow of CHF 168.4 million suggest a mixed performance. The negative operating cash flow may indicate challenges in generating cash from core operations, while the positive free cash flow suggests that the company is able to generate cash after accounting for capital expenditures. The company's dilution risk is assessed as low, indicating that there is little immediate threat to shareholder value from new share issuances.

    Recent events and filings for EFGN.S are not detailed in the provided data, so it is not possible to assess the impact of recent developments on the company's financial position. The company's risk assessment highlights a medium liquidity risk and a low dilution risk, but the key flag of negative net cash after subtracting total debt suggests potential liquidity constraints.

    Key takeaways
    • EFGN.S has a strong ROE of 13.63%, indicating efficient use of equity capital.
    • The company's debt-to-equity ratio of 1.12 suggests moderate leverage.
    • The ROA of 0.83% is relatively low, indicating that the company is not generating substantial returns on its total asset base.
    • The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.
    • The company's dilution risk is low, indicating that there is little immediate threat to shareholder value from new share issuances.

    Bull / Bear case

    analysis pipeline
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $16,40
    Market cap
    —
    Enterprise valueⓘ
    —
    P/Eⓘ
    —
    Non-GAAP P/Eⓘ
    —
    EV / Revenueⓘ
    —
    EV / Op incomeⓘ
    —
    EV / OCFⓘ
    —
    P / Bⓘ
    —
    P / Tangible bookⓘ
    —
    Tangible book
    $2.39B
    Net cashⓘ
    -$2.67B
    Current ratioⓘ
    —
    Debt / equityⓘ
    1.1
    ROAⓘ
    0.8%
    ROEⓘ
    13.6%
    Cash conversionⓘ
    -427.0%
    CapEx / revenueⓘ
    —
    SBC / revenueⓘ
    —
    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 45 %
    EPS
    Consensus EPS
    1,21
    Predicted surprise
    +0,00
    Beat probability
    45 %
    Analysts
    5
    Other metrics
    Revenue
    —
    no estimate
    Segment revenue
    —
    no estimate
    Margin
    —
    no estimate
    Segment margin
    —
    no estimate
    as of 2026-05-06 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPS—no estimate—no estimate1,21
    Revenue—no estimate—no estimate1,7B CHF
    Operating income—no estimate—no estimate452,8M CHF
    Full-year consensus mean (period as reported by source) · consensus in CHF. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-08-04

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution5 analysts
    Strong buy0
    Buy0
    Hold4
    Sell1
    Strong sell0
    12-month price target$19,53 · Median $19,50
    Low $18,40High $20,70
    Operating income · consensus452,8M CHF
    EPS surprise
    −14,6 %
    reported vs consensus · miss
    Revenue surprise
    −4,0 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$18,40
    Mean$19,53
    Median$19,50
    High$20,70
    Spot$16,40
    +19.1 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    ROE13,6 %Above P75
    D/E1,12Below median
    Cash Conv-4,27Bottom quartile

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Return On Equity
      net_income / total_equity
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    • Return On Assets
      net_income / total_assets
    Source documents
    • EFGN.S Market data — financials · 2026-05-27
    • Efg International AG Market data — analyst estimates · 2026-05-27

    Ownership & reference

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    EFGN.SCanonical
    — · USD

    Intel & risk

    PredictorBeat prob45 %Surprise+0,00Full forecast →
    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.
    Relationship graph
    EFGNJPMBACCBanks
    This companyPeerSector

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
    2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
    2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
    2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage