ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. EFG International AG's annualizedNet Income for the quarter that ended in Dec. 2025 was CHF208 Mil.
EFG International AG's average Total Assets over the quarter that ended in Dec. 2025 was CHF38,495 Mil. Therefore, EFG International AG's annualized ROA % for the quarter that ended in Dec. 2025 was 0.54%.
The historical rank and industry rank for EFG International AG's ROA % or its related term are showing as below:
XSWX:EFGN'
s ROA % Range Over the Past 10 Years
Min: -0.14 Med: 0.49 Max: 0.83
Current: 0.83
During the past 13 years, EFG International AG's highest ROA % was 0.83%. The lowest was -0.14%. And the median was 0.49%.
XSWX:EFGN's ROA % is ranked worse than 60.56% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs XSWX:EFGN: 0.83
EFG International AG (XSWX:EFGN) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
* 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.
For the Banks - Diversified subindustry, EFG International AG's ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, EFG International AG's ROA % distribution charts can be found below:
* The bar in red indicates where EFG International AG's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
EFG International AG (XSWX:EFGN) has a ROA % of 0.54% as of Dec. 2025. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on EFG International AG and its competitors. This is 10% above median its historical median of 0.49. According to the industry distribution chart, EFG International AG ranks #926 out of 1529 companies in the Banks industry, placing it in the top 60.6%.
Is EFG International AG's ROA % too high?
EFG International AG's current ROA % of 0.54% is 10% above median its 10-year median of 0.49. The Banks industry median ROA % is 0.98. EFG International AG's value of 0.54% is 44.9% below this industry median. Based on the distribution chart, EFG International AG ranks #926 out of 1529 companies in the Banks industry, which is below the industry midpoint. Overall, EFG International AG has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does EFG International AG's ROA % compare to JPM and BAC?
According to the Banks industry distribution chart, EFG International AG ranks #926 out of 1529 companies for ROA %. This places EFG International AG in the lower half of its industry. The industry median ROA % is 0.98. EFG International AG's value of 0.54% is 44.9% below this benchmark. While the company's 10-year median is 0.49 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFG International AG's current ROA % of 0.54% is 44.9% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on EFG International AG and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFG International AG's current ROA % is 0.54%, which is 10% above median its own 10-year median of 0.49. 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 Modestly Overvalued. The stock's GF Value™ is CHF13.52, compared to a current price of CHF16.32 — trading 20.7% above its estimated fair value. The current ROA % is 0.54%, which is 10% above median its 10-year median of 0.49 and 44.9% below the Banks industry median of 0.98. EFG International AG's overall GF Score™ is 66/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For EFG International AG (XSWX:EFGN), the current ROA % is 0.54% 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 (XSWX:EFGN) Overvalued in 2026?
Based on GuruFocus' analysis, EFG International AG stock appears to be overvalued.
The current stock price of CHF16.32 is trading 20.7% above its estimated GF Value™ of CHF13.52.
GuruFocus considers EFG International AG to be Modestly Overvalued.
Key valuation signals for XSWX:EFGN:
ROA %: 0.54% (10% above median its 10-year median of 0.49)
GF Value™: CHF13.52 vs. price of CHF16.32 (20.7% above fair value)
Industry Position: 44.9% below the Banks median (#926 of 1529)
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 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
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