EFG International (EFGXY) AI Stock Analysis

• Market Cap: $4.38B
• Dividend Yield: 4.34%
• Average Volume (3M): 0.00
• Price to Earnings (P/E): 12.3
• Beta (1Y): 0.79
• Revenue Growth: 13.32%
• EPS Growth: 9.31%
• Country: US
• Employees: 3,114
• Sector: Financial
• Sector Strength: 81
• Industry: Banks - Diversified
• EPS (TTM): 1.14
• Shares Outstanding: 312,687,700
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 0
• PEG Ratio: 1.32
• Price to Book (P/B): N/A
• Price to Sales (P/S): 2.02
• Price to Cash Flow (P/CF): 0.80
• P/FCF Ratio: 0.90
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

EFGXY demonstrates strong financial stability and growth with solid revenue and profit margins. Positive technical indicators and a favorable valuation enhance its attractiveness. However, cash flow issues could pose risks if not addressed.

EFG International Business Overview & Revenue Model

Company Description

EFG International (EFGXY) is a global private banking group headquartered in Zurich, Switzerland. The company specializes in providing private banking and asset management services to high-net-worth individuals and institutions. EFG International operates across multiple geographies with a strong presence in Europe, Asia Pacific, and the Americas, offering services such as wealth planning, investment advisory, and portfolio management.

How the Company Makes Money

EFG International makes money primarily through its wealth management and asset management services. The company's revenue model is based on fees and commissions earned from managing client assets and providing investment advice. Key revenue streams include management fees charged on assets under management (AUM), transaction fees for executing trades on behalf of clients, and advisory fees for personalized financial planning and investment strategies. EFG International also benefits from interest income generated through its banking operations. Strategic partnerships with other financial institutions and a focus on high-net-worth clients contribute significantly to its earnings.

EFG International Financial Statement Overview

Summary

EFG International exhibits strong revenue growth and robust profit margins, underpinned by a solid balance sheet with zero leverage. However, cash flow poses a risk with negative operating and free cash flow, which could impact financial stability if not addressed.

Income Statement

EFG International has demonstrated solid revenue growth with a recent increase from $1.43 billion to $1.50 billion, equating to a growth rate of 4.75%. The net profit margin is robust at 21.46%, and the gross profit margin is 100%, indicative of efficient operations in the banking industry. However, EBIT has dropped to zero, which could signal operational challenges.

Balance Sheet

The company maintains a strong equity base with a debt-to-equity ratio of 0, reflecting no leverage risk. The return on equity is healthy at 13.52%, showing effective use of equity to generate profits. The equity ratio is moderate at 5.86%, which is typical for the banking sector. However, the low equity relative to total assets could be a concern in a more volatile market environment.

Cash Flow

EFG International's cash flow presents a mixed picture. The operating cash flow to net income ratio is negative, indicating operational challenges. The free cash flow has decreased significantly, resulting in a negative free cash flow growth rate. The free cash flow to net income ratio is negative, suggesting potential issues in generating cash from operations.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
1.63B	1.50B	1.43B	1.27B	1.25B	1.13B
	Gross Profit
2.64B	1.50B	1.44B	1.27B	1.25B	1.13B
	EBIT
431.00M	0.00	1.36B	518.80M	237.30M	145.80M
	EBITDA
-12.00M	0.00	0.00	0.00	0.00	0.00
	Net Income Common Stockholders
237.00M	321.60M	303.20M	202.40M	205.80M	115.30M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
11.23B	8.01B	6.66B	11.23B	12.08B	11.30B
	Total Assets
43.54B	40.60B	38.59B	43.54B	42.14B	40.64B
	Total Debt
243.70M	0.00	239.00M	243.70M	475.20M	602.00M
	Net Debt
-10.99B	-8.01B	-6.66B	-10.99B	-11.61B	-10.70B
	Total Liabilities
41.47B	38.22B	36.37B	41.47B	475.20M	602.00M
	Stockholders Equity
2.06B	2.38B	2.22B	2.06B	2.25B	1.70B
Cash Flow		Free Cash Flow
2.95B	-445.50M	479.50M	3.06B	-597.90M	-974.80M
	Operating Cash Flow
2.95B	-397.10M	480.00M	3.10B	-590.10M	-961.40M
	Investing Cash Flow
-125.40M	484.00M	-1.22B	-1.93B	-659.80M	337.60M
	Financing Cash Flow
-3.07B	41.10M	-3.39B	-432.70M	1.95B	1.03B

EFG International Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.31
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For EFGXY, the sentiment is Positive. The current price of 14.31 is below the 20-day moving average (MA) of 14.45, below the 50-day MA of 14.76, and above the 200-day MA of 13.83, indicating a neutral trend. The MACD of -0.36 indicates Positive momentum. The RSI at 49.81 is Neutral, neither overbought nor oversold. The STOCH value of 74.62 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for EFGXY.

EFG International Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BCS	81 Outperform	$48.30B	7.57	9.14%	2.99%	8.58%	35.39%
EFGXY	79 Outperform	$4.38B	12.33	13.89%	4.34%	13.32%	9.31%
NWG	77 Outperform	$45.53B	8.49	13.34%	4.49%	18.85%	14.85%
NU	75 Outperform	$50.44B	25.58	28.07%	―	47.34%	89.96%
NTB	74 Outperform	$1.71B	7.59	21.37%	4.83%	7.14%	4.17%
EWBC	70 Outperform	$10.25B	8.93	15.89%	3.02%	13.84%	2.04%
Sector *	63 Neutral	$12.75B	9.36	8.64%	84.32%	13.82%	-3.89%