The historical rank and industry rank for EFG International AG's ROE % or its related term are showing as below:
XSWX:EFGN'
s ROE % Range Over the Past 10 Years
Min: -3.15 Med: 9.9 Max: 14.16
Current: 13.75
During the past 13 years, EFG International AG's highest ROE % was 14.16%. The lowest was -3.15%. And the median was 9.90%.
XSWX:EFGN's ROE % is ranked better than 74.02% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs XSWX:EFGN: 13.75
EFG International AG (XSWX:EFGN) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, EFG International AG's ROE % distribution charts can be found below:
* The bar in red indicates where EFG International AG's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
EFG International AG (XSWX:EFGN) has a ROE % of 8.82% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on EFG International AG and its competitors. This is 11% below median its historical median of 9.90. According to the industry distribution chart, EFG International AG ranks #396 out of 1524 companies in the Banks industry, placing it in the top 26%.
Is EFG International AG's ROE % too high?
EFG International AG's current ROE % of 8.82% is 11% below median its 10-year median of 9.90. The Banks industry median ROE % is 10.22. EFG International AG's value of 8.82% is 13.7% below this industry median. Based on the distribution chart, EFG International AG ranks #396 out of 1524 companies in the Banks industry, which is above 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 ROE % compare to JPM and BAC?
According to the Banks industry distribution chart, EFG International AG ranks #396 out of 1524 companies for ROE %. This puts EFG International AG in the upper half of its industry. The industry median ROE % is 10.22. EFG International AG's value of 8.82% is 13.7% below this benchmark. While the company's 10-year median is 9.90 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. EFG International AG's current ROE % of 8.82% is 13.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on EFG International AG and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EFG International AG's current ROE % is 8.82%, which is 11% below median its own 10-year median of 9.90. 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 ROE % is 8.82%, which is 11% below median its 10-year median of 9.90 and 13.7% below the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For EFG International AG (XSWX:EFGN), the current ROE % is 8.82% 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:
ROE %: 8.82% (11% below median its 10-year median of 9.90)
GF Value™: CHF13.52 vs. price of CHF16.32 (20.7% above fair value)
Industry Position: 13.7% below the Banks median (#396 of 1524)
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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