EFG International AG (XSWX:EFGN) Effective Interest Rate on Debt %: 57.48% (As of Jun. 2026)

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XSWX:EFGN EFG International AG XSWX:EFGN
66 GF Score
Price CHF15.98
GF Value CHF15.14
Valuation Fairly Valued
! 3 Warning Signs
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What is EFG International AG Effective Interest Rate on Debt %?

EFG International AG XSWX:EFGN -0.62% 66 Effective Interest Rate on Debt % is 57.48% as of Jun. 2026. GuruFocus rates XSWX:EFGN with a GF Score™ of 66/100 and a GF Value™ of CHF15.14 (Fairly Valued). The stock has 3 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. EFG International AG's annualized positive value of Interest Expense for the quarter that ended in Jun. 2026 was CHF775 Mil. EFG International AG's average total debt for the quarter that ended in Jun. 2026 was CHF1,349 Mil. Therefore, EFG International AG's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 was 57.48%.


EFG International AG  (XSWX:EFGN) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


EFG International AG Effective Interest Rate on Debt % Related Terms


EFG International AG Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for EFG International AG's Effective Interest Rate on Debt % 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.

EFG International AG Effective Interest Rate on Debt % Chart

EFG International AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 24.16 78.73 363.54 246.63 97.84

EFG International AG Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Effective Interest Rate on Debt % 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 372.45 203.66 108.96 84.51 57.48

XSWX:EFGN vs JPM, BAC, WFC: Effective Interest Rate on Debt % Comparison

For the Banks - Diversified subindustry, EFG International AG's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


EFG International AG Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, EFG International AG's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where EFG International AG's Effective Interest Rate on Debt % falls into.


XSWX:EFGN
66GF Score
EFG International AG XSWX:EFGN
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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EFG International AG Effective Interest Rate on Debt % Calculation

EFG International AG's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -842.7/( (635.2+1087.4)/ 2 )
=-1  *  -842.7/861.3
=97.84 %

where

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1087.4 + 0
=1087.4

EFG International AG's annualized Effective Interest Rate on Debt % for the quarter that ended in Jun. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Jun. 2026 ))/ count )
=-1  *  -775.2/( (1087.4+1609.7)/ 2 )
=-1  *  -775.2/1348.55
=57.48 %

where

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1087.4 + 0
=1087.4

Total Debt  (Q: Jun. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=1609.7 + 0
=1609.7

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Jun. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 57.48% mean?
EFG International AG (XSWX:EFGN) has a Effective Interest Rate on Debt % of 57.48% as of Jun. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on EFG International AG and its competitors.
Is EFG International AG's Effective Interest Rate on Debt % too high?
EFG International AG's current Effective Interest Rate on Debt % is 57.48%. Overall, EFG International AG has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does EFG International AG's Effective Interest Rate on Debt % compare to JPM and BAC?
EFG International AG's Effective Interest Rate on Debt % of 57.48% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on EFG International AG and its competitors. EFG International AG's current Effective Interest Rate on Debt % is 57.48%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EFG International AG stock overvalued right now?
Based on GuruFocus' analysis, EFG International AG (XSWX:EFGN) is currently considered Fairly Valued. The stock's GF Value™ is CHF15.14, compared to a current price of CHF15.98 — trading 5.5% above its estimated fair value. The current Effective Interest Rate on Debt % is 57.48%. EFG International AG's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For EFG International AG (XSWX:EFGN), the current Effective Interest Rate on Debt % is 57.48% as of Jun. 2026. 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 EFG International AG (XSWX:EFGN) Overvalued in 2026?

Based on GuruFocus' analysis, EFG International AG stock appears to be overvalued. The current stock price of CHF15.98 is trading 5.5% above its estimated GF Value™ of CHF15.14. GuruFocus considers EFG International AG to be Fairly Valued.

Key valuation signals for XSWX:EFGN:

  • Effective Interest Rate on Debt %: 57.48%
  • GF Value™: CHF15.14 vs. price of CHF15.98 (5.5% above fair value)
  • GF Score™: 66/100 with 3 warning signs

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


EFG International AG Business Description

Address Bleicherweg 8, PO Box 6012, Zurich, CHE, 8022
EFG International AG is a private banking group offering private banking and asset management services, with operations spanning Europe, Asia Pacific, the Americas, and the Middle East. The company's business segments are split into: i) Private Banking and Wealth Management, which includes Switzerland & Italy, Continental Europe & Middle East, Asia Pacific, United Kingdom, and Americas, ii) Investment & Wealth Solutions, and iii) Global Markets & Treasury. The majority of its revenue is derived from the Switzerland & Italy division of the Private Banking and Wealth Management segment.
66GF Score

Get the complete analysis for XSWX:EFGN

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF15.98
Price
CHF15.14
GF Value