Cash flow EFG International AG

Equities

EFGN

CH0022268228

Banks

Market Closed - Swiss Exchange Other stock markets 16:30:03 10/04/2026 BST			5-day change	1st Jan Change
17.70 ^CHF	+0.34%		+3.51%	-7.14%

03-23	EFG Intl's Pradelli Says 'Very Positive' on Middle East	MT
02-20	EFG International: EPS upgrade (2025: +2.1%, 2026: -5.9%)

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Published financial data: EFG INTERNATIONAL AG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	389M	678M	1.39B	1.46B	1.17B
Interest Income On Investments	1.8M	2.2M	2.8M	2.2M	2.3M
Interest Income, Total	391M	681M	1.39B	1.46B	1.17B
Interest On Deposits	130M	283M	877M	1.08B	843M
Interest Expense, Total	130M	283M	877M	1.08B	843M
Net Interest Income	261M	398M	515M	386M	328M
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	-	7.6M	-	-	-
Gain (Loss) on Sale of Invest. & Securities - (Rev)	64.4M	3.8M	71.4M	98.6M	1.4M
Total Other Non Interest Income	929M	861M	844M	1.01B	1.34B
Non Interest Income, Total	994M	872M	916M	1.11B	1.34B
Revenues Before Provison For Loan Losses	1.25B	1.27B	1.43B	1.5B	1.67B
Provision For Loan Losses	-3.3M	2.9M	6.7M	2.1M	10.7M
Total Revenues	1.26B	1.27B	1.42B	1.5B	1.66B
Salaries And Other Employee Benefits	-	-	-	-	-
Stock-Based Compensation (IS)	26.8M	30.5M	51.9M	78.9M	83M
Amort. of Goodwill & Intang. Assets	-	-	-	-	-
Occupancy Expense	-	-	-	-	-
Selling General & Admin Expenses, Total	8.9M	11.4M	13M	14.9M	16.7M
Total Other Non Interest Expense	955M	923M	1B	988M	1.06B
Non Interest Expense, Total	991M	965M	1.07B	1.08B	1.16B
EBT, Excl. Unusual Items	267M	302M	359M	415M	500M
Restructuring Charges	-	-	-	-	-
Total Merger & Related Restructuring Charges	-	-	-	-	-
Impairment of Goodwill	-	-	-	-	-
Asset Writedown	-	-	-23.6M	-2.3M	-1.2M
Legal Settlements	-84.8M	-48.2M	-1.8M	-31.4M	-104M
Other Unusual Items	63M	-16.5M	-	-	-
EBT, Incl. Unusual Items	245M	237M	333M	381M	395M
Income Tax Expense	31.5M	33.4M	30M	59.8M	69.3M
Earnings From Continuing Operations	214M	204M	303M	322M	325M
Net Income to Company	214M	204M	303M	322M	325M
Minority Interest	-8.1M	-1.3M	-	-	-200K
Net Income - (IS)	206M	202M	303M	322M	325M
Preferred Dividend and Other Adjustments	19.1M	20.5M	18.4M	19.9M	17.4M
Net Income to Common Incl Extra Items	187M	182M	285M	302M	308M
Net Income to Common Excl. Extra Items	187M	182M	285M	302M	308M
Per Share Items
Net EPS - Basic	0.62	0.6	0.94	1	1.03
Basic EPS - Continuing Operations	0.62	0.6	0.94	1	1.03
Basic Weighted Average Shares Outstanding	299M	305M	303M	301M	300M
Net EPS - Diluted	0.59	0.57	0.91	0.95	0.98
Diluted EPS - Continuing Operations	0.59	0.57	0.91	0.95	0.98
Diluted Weighted Average Shares Outstanding	316M	318M	312M	317M	315M
Normalized Basic EPS	0.53	0.61	0.74	0.86	1.04
Normalized Diluted EPS	0.5	0.59	0.72	0.82	0.99
Dividend Per Share	0.36	0.45	0.55	0.6	0.65
Payout Ratio	44.9	64.33	51.81	57.49	61.32
American Depositary Receipts Ratio (ADR)	1	1	1	1	1
Supplemental Items
Effective Tax Rate - (Ratio)	12.84	14.09	9	15.68	17.56
Total Current Taxes	23.8M	40.7M	25.1M	26.7M	34.4M
Total Deferred Taxes	7.7M	-7.3M	4.9M	33.1M	34.9M
Normalized Net Income	159M	187M	224M	259M	312M
Non-Cash Pension Expense	-19.2M	-3.5M	3.2M	900K	400K
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	26.8M	30.5M	51.9M	78.9M	83M
Total Stock-Based Compensation	26.8M	30.5M	51.9M	78.9M	83M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2.91B	3.64B	4.19B	3.38B	3.39B
Investment Securities, Total	8.34B	10.15B	10.09B	9.88B	8.38B
Trading Asset Securities, Total	974M	1.8B	1.57B	1.55B	982M
Total investments	9.31B	11.95B	11.67B	11.43B	9.36B
Gross Loans	18.24B	16.76B	16.04B	17.95B	19.44B
Allowance For Loan Losses	-16.9M	-14.2M	-18.1M	-22.6M	-28.3M
Net Loans	18.23B	16.75B	16.02B	17.93B	19.41B
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	335M	312M	300M	360M	343M
Goodwill	48.8M	46.4M	42.8M	42.8M	116M
Other Intangibles, Total	180M	193M	161M	149M	218M
Accrued Interest Receivable	32.3M	24.2M	24.2M	28.3M	25.6M
Other Receivables	317M	380M	452M	435M	410M
Restricted Cash	9.75B	9.45B	4.68B	5.83B	5.01B
Other Current Assets, Total	449M	193M	177M	165M	153M
Deferred Tax Assets Long-Term (Collected)	61.9M	80.1M	73.9M	40M	17.9M
Other Real Estate Owned And Foreclosed	14M	13.7M	6.7M	5.2M	5.2M
Other Long-Term Assets, Total	515M	512M	786M	808M	937M
Total Assets	42.14B	43.54B	38.59B	40.6B	39.39B
Liabilities
Accrued Expenses, Total	11.6M	8.6M	9.4M	9.8M	10.7M
Interest Bearing Deposits	8.24B	17.49B	19.74B	20.71B	20.89B
Non-Interest Bearing Deposits	24.27B	16.55B	10.32B	10.6B	10.9B
Total Deposits	32.52B	34.04B	30.06B	31.31B	31.79B
Short-Term Borrowings	1.59B	2.34B	2.2B	2.07B	1.49B
Current Portion of Long-Term Debt	39.5M	221M	316M	382M	182M
Current Portion of Leases	35.2M	34.5M	36.2M	39M	40.3M
Long-Term Debt	252M	36.2M	42.6M	440M	902M
Long-Term Leases	188M	173M	160M	156M	146M
Current Income Taxes Payable	19M	19.7M	13M	6.6M	28.3M
Other Current Liabilities - (Bank / Utility Template)	30.4M	21.6M	17.9M	-	-
Unearned Revenue Non Current	328M	292M	319M	286M	315M
Pension & Other Post Retirement Benefits	-	10.4M	38.7M	35.3M	1.7M
Deferred Tax Liability Non-Current	19.9M	17.4M	16.4M	15.8M	44.3M
Other Non Current Liabilities	4.82B	4.26B	3.15B	3.47B	2.05B
Total Liabilities	39.85B	41.47B	36.37B	38.22B	37B
Preferred Stock Non Redeemable	200K	-	-	-	-
Total Preferred Equity	200K	-	-	-	-
Common Stock, Total	152M	151M	151M	150M	149M
Additional Paid In Capital	2.01B	1.97B	1.93B	1.88B	1.83B
Retained Earnings	-407M	-314M	-165M	-34.6M	75.5M
Treasury Stock	-	-	-	-	-
Comprehensive Income and Other	489M	256M	298M	380M	334M
Total Common Equity	2.25B	2.06B	2.22B	2.38B	2.39B
Minority Interest	42.6M	800K	-	-	3M
Total Equity	2.29B	2.07B	2.22B	2.38B	2.39B
Total Liabilities And Equity	42.14B	43.54B	38.59B	40.6B	39.39B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	304M	303M	302M	299M	298M
ECS Total Common Shares Outstanding	304M	303M	302M	299M	298M
Book Value / Share	7.4	6.82	7.35	7.94	8
Tangible Book Value	2.02B	1.83B	2.01B	2.19B	2.05B
Tangible Book Value Per Share	6.64	6.03	6.67	7.3	6.88
Total Debt	2.11B	2.81B	2.75B	3.09B	2.76B
Deposits at Interest - Cash	12.6B	13.05B	8.83B	9.17B	8.37B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-72M	-120M	-45.3M	-53M	-89.7M
Net Debt	-1.77B	-2.62B	-3.01B	-1.84B	-1.61B
Full Time Employees	3.03K	2.83K	3.02K	3.11K	3.22K
Number Of Offices	40	40	40	40	40

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	206M	202M	303M	322M	325M
Depreciation, Depletion & Amortization	53.5M	48.6M	45.4M	55.9M	50.9M
Amortization of Goodwill and Intangible Assets - (CF)	11.5M	10.3M	9.6M	9.5M	10.9M
Total Depreciation, Depletion & Amortization	65M	58.9M	55M	65.4M	61.8M
Amortization of Deferred Charges, Total	17.3M	23.8M	23.6M	23.9M	20.8M
Change in Other Net Operating Assets (Collected)	-827M	489M	24.5M	-1.31B	-3.37B
Other Operating Activities	-50.9M	89.1M	73.7M	-72.1M	108M
Cash from Operations	-590M	863M	480M	-972M	-2.85B
Capital Expenditure	-7.8M	-7.9M	-500K	-23.1M	-10.6M
Sale of Property, Plant, and Equipment	-	2.2M	-	-	-
Cash Acquisitions	-	-	-	-	103M
Divestitures	130M	54.9M	-	-	-
Purchase / Sale of Intangible Assets	-35.8M	-36.1M	-25.7M	-25.3M	-31.6M
Investment in Marketable and Equity Securities, Total	-746M	-1.94B	-1.19B	532M	685M
Cash from Investing	-660M	-1.93B	-1.22B	484M	746M
Long-Term Debt Issued, Total	-	-	-	369M	464M
Total Debt Issued	-	-	-	369M	464M
Long-Term Debt Repaid, Total	-228M	-226M	-30.9M	-38M	-38.9M
Total Debt Repaid	-228M	-226M	-30.9M	-38M	-38.9M
Issuance of Common Stock	351M	800K	-	-	-
Repurchase of Common Stock	-	-73.8M	-76.6M	-105M	-183M
Common Dividends Paid	-92.4M	-130M	-157M	-185M	-199M
Preferred Dividends Paid	-	-	-	-	-
Common & Preferred Stock Dividends Paid	-92.4M	-130M	-157M	-185M	-199M
Net Increase (Decrease) in Deposit Accounts - (CF)	1.94B	2.24B	-3.12B	575M	1.46B
Other Financing Activities, Total	-17.1M	-3.8M	-900K	-	-
Cash from Financing	1.95B	1.8B	-3.39B	616M	1.5B
Foreign Exchange Rate Adjustments	-3.6M	-309M	-85.1M	206M	-210M
Net Change in Cash	701M	432M	-4.21B	334M	-811M
Supplemental Items
Cash Interest Paid	137M	252M	820M	1.1B	792M
Cash Income Tax Paid (Refund)	28.5M	38M	31.5M	31.7M	14.9M
Net Debt Issued / Repaid	-228M	-226M	-30.9M	331M	425M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.52	0.48	0.74	0.81	0.81
Return On Equity %	10.56	9.35	14.16	14	13.65
Return on Common Equity	9.45	8.43	13.3	13.13	12.92
Shareholders Value Added	-19.68M	-46.09M	55.9M	55.38M	50.22M
Margin Analysis
SG&A Margin	0.71	0.9	0.91	1	1.01
Net Interest Income / Total Revenues %	20.76	31.39	36.15	25.75	19.79
EBT Excl. Non-Recurring Items Margin %	21.24	23.82	25.18	27.73	30.16
Income From Continuing Operations Margin %	17	16.08	21.29	21.49	19.62
Net Income Margin %	16.36	15.97	21.29	21.49	19.61
Net Avail. For Common Margin %	14.84	14.36	20	20.16	18.56
Normalized Net Income Margin	12.63	14.78	15.74	17.33	18.84
Asset quality
Nonperforming Loans / Total Loans %	1.52	1.49	2.47	1.7	1.46
Nonperforming Loans / Total Assets %	0.66	0.57	1.03	0.75	0.72
Nonperforming Assets / Total Assets %	0.69	0.6	1.05	0.77	0.73
NPAs / Loans and OREO	1.59	1.57	2.51	1.73	1.49
NPAs / Equity	12.7	12.75	18.19	13.08	12.11
Allowance for Credit Losses / Net Charge-offs %	162.5	262.96	565.62	-	524.07
Allowance for Credit Losses / Nonperforming Loans %	6.1	5.69	4.56	7.39	9.96
Allowance for Credit Losses / Total Loans %	0.09	0.08	0.11	0.13	0.15
Provision for Loan Losses / Net Charge-offs %	-31.73	53.7	209.38	-	198.15
Capital And Funding
Total Average Common Equity / Total Average Assets %	4.77	5.03	5.21	5.8	5.96
Total Average Equity / Total Average Assets %	4.89	5.08	5.21	5.8	5.96
Total Equity + Allowance for Loan Losses / Total Loans %	12.42	12.4	13.94	13.38	12.42
Gross Loans / Total Deposits %	56.1	49.25	53.36	57.33	61.14
Net Loans / Total Deposits %	56.05	49.21	53.3	57.26	61.05
Tier 1 Capital Ratio %	20.07	18.64	21	21.5	17.3
Total Capital Ratio %	21.9	18.6	21	21.5	17.3
Core Tier 1 Capital Ratio	16.3	14.7	17	17.7	14
Tier 2 Capital Ratio	1.82	0	-	-	-
Coverage Ratio	6.1	5.69	4.56	7.39	9.96
Interbank Ratio	410	188.85	205.4	202.97	254.18
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	2.89	1.84	1.38	1.35	1.47
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-13.54	52.32	29.44	-25.12	-14.86
Non Interest Income, 1 Yr. Growth %	19.9	-12.2	5	21.56	20.42
Provision For Loan Losses, 1 Yr. Growth %	-151.56	-187.88	131.03	-68.66	409.52
Total Revenues, 1 Yr. Growth %	11.89	0.73	12.38	5.11	10.79
Earnings From Cont. Operations, 1 Yr. Growth %	75.62	-4.77	48.85	6.07	1.18
Net Income, 1 Yr. Growth %	78.49	-1.65	49.8	6.07	1.12
Normalized Net Income, 1 Yr. Growth %	68.48	66.57	52.58	15.02	20.57
Diluted EPS Before Extra, 1 Yr. Growth %	59.46	-3.39	59.65	4.4	3.16
Dividend Per Share, 1 Yr. Growth %	20	25	22.22	9.09	8.33
Gross Loans, 1 Yr. Growth %	-0.43	-8.11	-4.33	11.91	8.29
Allowance For Loan Losses, 1 Yr. Growth %	-82.81	-15.98	27.46	24.86	25.22
Net Loans, 1 Yr. Growth %	0.01	-8.11	-4.35	11.9	8.27
Non Performing Loans, 1 Yr. Growth %	-29.86	-9.86	58.83	-22.89	-7.06
Non Performing Assets, 1 Yr. Growth %	-28.18	-9.48	53.11	-22.89	-6.95
Total Assets, 1 Yr. Growth %	3.71	3.31	-11.37	5.22	-2.97
Total Deposits, 1 Yr Growth %	5.43	4.67	-11.69	4.16	1.55
Tangible Book Value, 1 Yr. Growth %	40.18	-9.61	10.31	8.56	-6.08
Common Equity, 1 Yr. Growth %	32.2	-8.19	7.39	7.27	0.34
Total Equity, 1 Yr. Growth %	30.35	-9.87	7.35	7.27	0.47
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-11.46	14.76	40.42	-1.55	-20.15
Non Interest Income, 2 Yr. CAGR %	8.9	2.6	-3.98	12.98	20.99
Provision For Loan Losses, 2 Yr. CAGR %	-44.72	-32.69	42.49	-14.9	26.37
Total Revenues, 2 Yr. CAGR %	4.13	6.17	6.4	8.69	7.91
Earnings From Cont. Operations, 2 Yr. CAGR %	46.03	29.32	19.06	25.65	3.6
Net Income, 2 Yr. CAGR %	47.81	32.49	21.38	26.05	3.56
Normalized Net Income, 2 Yr. CAGR %	26.75	40.93	41.17	32.9	17.68
Diluted EPS Before Extra, 2 Yr. CAGR %	37.96	24.12	24.19	29.1	3.77
Dividend Per Share, 2 Yr. CAGR %	54.92	22.47	23.6	15.47	8.71
Gross Loans, 2 Yr. CAGR %	-2.36	-4.35	-6.24	3.48	10.09
Allowance For Loan Losses, 2 Yr. CAGR %	-60.16	-61.99	3.49	26.16	25.04
Net Loans, 2 Yr. CAGR %	-2.14	-4.13	-6.25	3.45	10.07
Non Performing Loans, 2 Yr. CAGR %	-15.4	-20.48	19.66	10.66	-15.35
Non Performing Assets, 2 Yr. CAGR %	-	-19.37	17.72	8.66	-15.29
Total Assets, 2 Yr. CAGR %	1.4	3.51	-4.31	-3.43	1.04
Total Deposits, 2 Yr CAGR %	2.91	5.05	-3.86	-4.09	2.85
Tangible Book Value, 2 Yr. CAGR %	17.29	12.57	-0.14	9.43	0.97
Common Equity, 2 Yr. CAGR %	14.12	10.17	-0.71	7.33	3.75
Total Equity, 2 Yr. CAGR %	13.44	8.39	-1.64	7.31	3.81
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-10.68	6.09	19.46	13.87	-6.2
Non Interest Income, 3 Yr. CAGR %	8.44	1.35	3.4	3.87	15.41
Provision For Loan Losses, 3 Yr. CAGR %	-38.37	-35.49	1.54	-13.99	54.52
Total Revenues, 3 Yr. CAGR %	3.59	2.98	8.2	5.97	9.38
Earnings From Cont. Operations, 3 Yr. CAGR %	43.03	26.64	35.53	14.56	16.9
Net Income, 3 Yr. CAGR %	43.05	29.04	38.03	16.04	17.12
Normalized Net Income, 3 Yr. CAGR %	15.38	23.73	33.45	32.13	28.6
Diluted EPS Before Extra, 3 Yr. CAGR %	36.89	22.51	34.98	17.21	19.8
Dividend Per Share, 3 Yr. CAGR %	6.27	44.22	22.39	18.56	13.04
Gross Loans, 3 Yr. CAGR %	-1.39	-4.32	-4.34	-0.54	5.06
Allowance For Loan Losses, 3 Yr. CAGR %	-57	-48.91	-43.11	10.17	25.84
Net Loans, 3 Yr. CAGR %	-1.05	-4.17	-4.21	-0.55	5.04
Non Performing Loans, 3 Yr. CAGR %	-13.07	-13.59	0.14	3.35	4.41
Non Performing Assets, 3 Yr. CAGR %	-11.63	-	-0.16	2.24	3.19
Total Assets, 3 Yr. CAGR %	1.62	2.03	-1.71	-1.24	-3.28
Total Deposits, 3 Yr CAGR %	2.65	3.49	-0.86	-1.26	-2.25
Tangible Book Value, 3 Yr. CAGR %	12.27	7.54	11.81	2.68	3.99
Common Equity, 3 Yr. CAGR %	11.37	6.14	9.23	1.88	4.95
Total Equity, 3 Yr. CAGR %	11.43	5.06	8.04	1.25	4.98
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	5.6	2.65	7.04	2.97	1.68
Non Interest Income, 5 Yr. CAGR %	13.68	1.9	3.29	5.85	10.1
Provision For Loan Losses, 5 Yr. CAGR %	-2.78	-32.24	-13.83	-27.93	10.83
Total Revenues, 5 Yr. CAGR %	11.86	2.45	4.71	5.23	8.08
Earnings From Cont. Operations, 5 Yr. CAGR %	-1.27	28.78	32.91	26.24	21.72
Net Income, 5 Yr. CAGR %	-1.79	27.62	33.95	27.84	23.05
Normalized Net Income, 5 Yr. CAGR %	81.86	38.9	16.72	21.27	27.06
Diluted EPS Before Extra, 5 Yr. CAGR %	-11.55	21.72	31.66	25.1	21.51
Dividend Per Share, 5 Yr. CAGR %	7.57	12.47	12.89	31.95	16.72
Gross Loans, 5 Yr. CAGR %	-0.73	-2.62	-3.36	-1.27	1.19
Allowance For Loan Losses, 5 Yr. CAGR %	-17.11	-40.64	-38.9	-26.66	-22.04
Net Loans, 5 Yr. CAGR %	-0.7	-2.44	-3.16	-1.19	1.27
Non Performing Loans, 5 Yr. CAGR %	45.01	-10.87	-1.22	-4.6	-6.37
Non Performing Assets, 5 Yr. CAGR %	46.45	-9.91	-0.89	-	-6.51
Total Assets, 5 Yr. CAGR %	-0.02	0.91	-0.8	-0.19	-0.62
Total Deposits, 5 Yr CAGR %	-0.14	1.05	-0.01	0.39	0.61
Tangible Book Value, 5 Yr. CAGR %	1.12	4.05	7.13	8.29	7.34
Common Equity, 5 Yr. CAGR %	1.36	3.97	6.38	6.61	7.01
Total Equity, 5 Yr. CAGR %	1.53	3.64	6.01	5.96	6.33