EFG International AGFRA:E2S +1.14%67 Return-on-Tangible-Equity is 9.95% as of Dec. 2025, which is 11% below its 10-year median of 11.21. GuruFocus rates FRA:E2S with a GF Score™ of 67/100 and a GF Value™ of €14.61 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,526 Banks companies, EFG International AG ranks better than 76.08% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. EFG International AG's annualized net income for the quarter that ended in Dec. 2025 was €223 Mil. EFG International AG's average shareholder tangible equity for the quarter that ended in Dec. 2025 was €2,240 Mil. Therefore, EFG International AG's annualized Return-on-Tangible-Equity for the quarter that ended in Dec. 2025 was 9.95%.
The historical rank and industry rank for EFG International AG's Return-on-Tangible-Equity or its related term are showing as below:
FRA:E2S'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -3.51 Med: 11.21 Max: 16.4
Current: 15.3
During the past 13 years, EFG International AG's highest Return-on-Tangible-Equity was 16.40%. The lowest was -3.51%. And the median was 11.21%.
FRA:E2S's Return-on-Tangible-Equity is ranked better than 76.08% of 1526
companies
in the Banks industry
Industry Median: 11.195
vs FRA:E2S: 15.30
EFG International AG (FRA:E2S) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
EFG International AG Return-on-Tangible-Equity Related Terms
EFG International AG Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for EFG International AG's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
FRA:E2S vs JPM, BAC, WFC: Return-on-Tangible-Equity Comparison
For the Banks - Diversified subindustry, EFG International AG's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, EFG International AG's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where EFG International AG's Return-on-Tangible-Equity falls into.
* 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 Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 9.95% mean?
EFG International AG (FRA:E2S) has a Return-on-Tangible-Equity of 9.95% as of Dec. 2025. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on EFG International AG and its competitors. This is 11% below median its historical median of 11.21. According to the industry distribution chart, EFG International AG ranks #365 out of 1526 companies in the Banks industry, placing it in the top 23.9%.
Is EFG International AG's Return-on-Tangible-Equity too high?
EFG International AG's current Return-on-Tangible-Equity of 9.95% is 11% below median its 10-year median of 11.21. The Banks industry median Return-on-Tangible-Equity is 11.20. EFG International AG's value of 9.95% is 11.1% below this industry median. Based on the distribution chart, EFG International AG ranks #365 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, EFG International AG has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does EFG International AG's Return-on-Tangible-Equity compare to JPM and BAC?
According to the Banks industry distribution chart, EFG International AG ranks #365 out of 1526 companies for Return-on-Tangible-Equity. This places EFG International AG in the top 24% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.20. EFG International AG's value of 9.95% is 11.1% below this benchmark. While the company's 10-year median is 11.21 vs. the industry median of 11.20, EFG International AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFG International AG's current Return-on-Tangible-Equity of 9.95% is 11.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on EFG International AG and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFG International AG's current Return-on-Tangible-Equity is 9.95%, which is 11% below median its own 10-year median of 11.21. 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 (FRA:E2S) is currently considered Modestly Overvalued. The stock's GF Value™ is €14.61, compared to a current price of €17.70 — trading 21.1% above its estimated fair value. The current Return-on-Tangible-Equity is 9.95%, which is 11% below median its 10-year median of 11.21 and 11.1% below the Banks industry median of 11.20. EFG International AG's overall GF Score™ is 67/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For EFG International AG (FRA:E2S), the current Return-on-Tangible-Equity is 9.95% 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 EFG International AG (FRA:E2S) Overvalued in 2026?
Based on GuruFocus' analysis, EFG International AG stock appears to be overvalued.
The current stock price of €17.70 is trading 21.1% above its estimated GF Value™ of €14.61.
GuruFocus considers EFG International AG to be Modestly Overvalued.
Key valuation signals for FRA:E2S:
Return-on-Tangible-Equity: 9.95% (11% below median its 10-year median of 11.21)
GF Value™: €14.61 vs. price of €17.70 (21.1% above fair value)
Industry Position: 11.1% below the Banks median (#365 of 1526)
No single metric tells the full story. See the FRA:E2S stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
67GF Score
Get the complete analysis for FRA:E2S
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:E2S has been successfully added to your 
