Julius Baer Gruppe AG (XSWX:BAER) Net Loan: CHF42,105 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XSWX:BAER Julius Baer Gruppe AG XSWX:BAER
72 GF Score
Price CHF73.08
GF Value CHF61.37
Valuation Modestly Overvalued
! 7 Warning Signs
View Full Analysis

What is Julius Baer Gruppe AG Net Loan?

Julius Baer Gruppe AG XSWX:BAER +0.44% 72 Net Loan is CHF42,105 Mil as of Dec. 2025. GuruFocus rates XSWX:BAER with a GF Score™ of 72/100 and a GF Value™ of CHF61.37 (Modestly Overvalued). The stock has 7 warning signs investors should review.

Julius Baer Gruppe AG's quarterly net loan declined from Dec. 2024 (CHF41,603 Mil) to Jun. 2025 (CHF41,395 Mil) but then increased from Jun. 2025 (CHF41,395 Mil) to Dec. 2025 (CHF42,105 Mil).

Julius Baer Gruppe AG's annual net loan increased from Dec. 2023 (CHF38,907 Mil) to Dec. 2024 (CHF41,395 Mil) and increased from Dec. 2024 (CHF41,395 Mil) to Dec. 2025 (CHF42,105 Mil).

Julius Baer Gruppe AG Net Loan Historical Data

* Premium members only.

The historical data trend for Julius Baer Gruppe AG's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Julius Baer Gruppe AG Net Loan Chart

Julius Baer Gruppe AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 50,417.10 44,584.20 38,907.40 41,602.60 42,105.20

Julius Baer Gruppe AG Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 38,907.40 41,955.20 41,602.60 41,394.90 42,105.20
XSWX:BAER
72GF Score
Julius Baer Gruppe AG XSWX:BAER
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Julius Baer Gruppe AG Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of CHF42,105 Mil mean?
Julius Baer Gruppe AG (XSWX:BAER) has a Net Loan of CHF42,105 Mil as of Dec. 2025. The total net loans as recorded on a bank's balance sheet. View historical data on Julius Baer Gruppe AG and its competitors.
Is Julius Baer Gruppe AG's Net Loan too high?
Julius Baer Gruppe AG's current Net Loan is CHF42,105 Mil. Overall, Julius Baer Gruppe AG has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Julius Baer Gruppe AG's Net Loan compare to BLK and BX?
Julius Baer Gruppe AG's Net Loan of CHF42,105 Mil can be compared against companies in the Asset Management industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for an Asset Management company?
A good Net Loan depends on the Asset Management industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Julius Baer Gruppe AG and its competitors. Julius Baer Gruppe AG's current Net Loan is CHF42,105 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Julius Baer Gruppe AG stock overvalued right now?
Based on GuruFocus' analysis, Julius Baer Gruppe AG (XSWX:BAER) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF61.37, compared to a current price of CHF73.08 — trading 19.1% above its estimated fair value. The current Net Loan is CHF42,105 Mil. Julius Baer Gruppe AG's overall GF Score™ is 72/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Julius Baer Gruppe AG (XSWX:BAER), the current Net Loan is CHF42,105 Mil as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Julius Baer Gruppe AG (XSWX:BAER) Overvalued in 2026?

Based on GuruFocus' analysis, Julius Baer Gruppe AG stock appears to be overvalued. The current stock price of CHF73.08 is trading 19.1% above its estimated GF Value™ of CHF61.37. GuruFocus considers Julius Baer Gruppe AG to be Modestly Overvalued.

Key valuation signals for XSWX:BAER:

  • Net Loan: CHF42,105 Mil
  • GF Value™: CHF61.37 vs. price of CHF73.08 (19.1% above fair value)
  • GF Score™: 72/100 with 7 warning signs

No single metric tells the full story. See the XSWX:BAER stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Julius Baer Gruppe AG Business Description

Address Bahnhofstrasse 36, P.O. Box, Zurich, CHE, 8010
Julius Baer was founded in 1890 and expanded significantly in 2005 when it acquired three Swiss private banks and Global Asset Management from its far larger Swiss rival, UBS. In 2009, Baer spun off GAM as a separately listed firm. The acquisition of Merrill Lynch's wealth management operations outside of the US in 2012 increased Baer's assets under management by 40% and increased its footprint outside of Europe. Julius Baer is currently the largest pure-play private bank globally Baer provides private banking services principally to individuals in Switzerland and Europe and increasingly in Asia and other emerging markets.
72GF Score

Get the complete analysis for XSWX:BAER

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF73.08
Price
CHF61.37
GF Value