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EFG International AG
Buy or Sell?

I guess you are interested in EFG International AG. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

Let's start. I'm going to help you getting a better view of EFG International AG. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

  1. Company's Financial Health
    A deep dive into the books. How are the numbers doing? Is EFG International AG even making a profit? Is the company skyrocketing? Or is it sinking like the Titanic. The trend is your friend.
  2. Market Valuation
    Finally, you now have an insight of how EFG International AG is doing in the market. If the company is worth buying. The latest step is to find out how other investors value EFG International AG. The closing price on 2022-09-23 was CHF7.71 per share. Is the company over- or underpriced?
  3. Key Performance Indicators
    A total overlook on how the company is doing. Based on the (trends in) the key performance indicators.
Daily chart of EFG International AG
EFG International AG Daily Candlestick Chart

1.1. Profitability of EFG International AG.

1.1. Profitability

An important factor of a company's health is the profitability.

1.1.1. Net Profit Margin
  • Measures how much profit a company generates for each dollar of revenue.
  • Above 10% is considered healthy depending on the industry.
  • A net profit margin of 25% means that $0,25 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of EFG International AG:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y3.1%-3.1%
5Y3.1%10Y10.5%-7.4%
Compared to industry (Banks-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ-29.9%-29.9%
TTM-30.2%-30.2%
YOY-29.2%-29.2%
5Y3.1%25.6%-22.5%
10Y10.5%23.8%-13.3%
1.1.2. Return on Assets
  • Shows how profitable a company is in relation to its total assets.
  • Above 5% is considered healthy depending on the industry.
  • 5% return on assets means the company generated $0,05 for each $1 in assets.

Let's take a look of the Return on Assets trends of EFG International AG:

  • The MRQ is 0.1%. Bad. -1
  • The TTM is 0.1%. Bad. -1
Trends
Current periodCompared to+/- 
MRQ0.1%TTM0.1%0.0%
TTM0.1%YOY0.2%0.0%
TTM0.1%5Y0.1%+0.1%
5Y0.1%10Y0.1%0.0%
Compared to industry (Banks-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1%0.2%-0.1%
TTM0.1%0.2%-0.1%
YOY0.2%0.2%0.0%
5Y0.1%0.2%-0.1%
10Y0.1%0.2%-0.1%
1.1.3. Return On Equity
  • Measures the profit in relation to shareholders equity (total assets - total liabilities).
  • Above 15%-20% is considered healthy depending on the industry
  • 10% return on equity means the company generated $0,1 for each $1 the owners (shareholders) invested.

Let's take a look of the Return On Equity trends of EFG International AG:

  • The MRQ is 2.4%. Bad. -1
  • The TTM is 2.8%. Bad. -1
Trends
Current periodCompared to+/- 
MRQ2.4%TTM2.8%-0.4%
TTM2.8%YOY3.8%-1.0%
TTM2.8%5Y2.0%+0.8%
5Y2.0%10Y2.4%-0.3%
Compared to industry (Banks-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ2.4%2.7%-0.3%
TTM2.8%2.8%+0.0%
YOY3.8%2.6%+1.2%
5Y2.0%2.7%-0.7%
10Y2.4%2.5%-0.1%

1.2. Operating Efficiency of EFG International AG.

1.2. Operating Efficiency
1.2.1. Operating Margin
  • Measures how much profit a company makes for each $1 of sales after paying variable costs (production costs, wages) but before taxes.
  • Above 15% is considered healthy depending on the industry
  • An operating margin of 20% means the company generated $0,2 for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of EFG International AG:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y10.8%-10.8%
5Y10.8%10Y26.7%-15.9%
Compared to industry (Banks-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ-64.3%-64.3%
TTM-47.2%-47.2%
YOY-33.7%-33.7%
5Y10.8%27.5%-16.7%
10Y26.7%29.7%-3.0%
1.2.2. Operating Ratio
  • Measures how efficient the company is creating its products or services while keeping operating costs low.
  • Below 1 is considered healthy depending on the industry
  • An operation ratio of 0.5 means that the operating costs are $0,5 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of EFG International AG:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.183-0.183
5Y0.18310Y0.155+0.028
Compared to industry (Banks-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ-0.547-0.547
TTM-0.468-0.468
YOY-0.265-0.265
5Y0.1830.293-0.110
10Y0.1550.290-0.135

1.3. Liquidity of EFG International AG.

1.3. Liquidity
1.3.1. Current Ratio
  • Measures if the company is able to pay off short-term debts (debts due within 1 year).
  • Above 1 is considered healthy depending on the industry.
  • A current ratio of 1.5 means the company has $1.5 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of EFG International AG:

  • The MRQ is 0.472. Very bad. Indication that company has liquidity problems. -2
  • The TTM is 0.591. Very bad. Indication that company has liquidity problems. -2
Trends
Current periodCompared to+/- 
MRQ0.472TTM0.591-0.119
TTM0.591YOY0.691-0.100
TTM0.5915Y0.568+0.022
5Y0.56810Y0.328+0.240
Compared to industry (Banks-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ0.4720.380+0.092
TTM0.5910.403+0.188
YOY0.6910.436+0.255
5Y0.5680.410+0.158
10Y0.3280.355-0.027
1.3.2. Quick Ratio
  • Measures if the company is able to pay short-term debts (debts due within 1 year). But only uses the most liquid assets (cash, marketable securities and accounts retrievable).
  • Above 1 is considered healthy depending on the industry.
  • A quick ratio of 0,8 means the company can pay off $0,8 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of EFG International AG:

  • The MRQ is 0.360. Warning. Indication that company may not be able to fully pay off its current liabilities in the short term. -1
  • The TTM is 0.184. Warning. Indication that company may not be able to fully pay off its current liabilities in the short term. -1
Trends
Current periodCompared to+/- 
MRQ0.360TTM0.184+0.176
TTM0.184YOY0.180+0.004
TTM0.1845Y0.184+0.001
5Y0.18410Y0.111+0.073
Compared to industry (Banks-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3600.109+0.251
TTM0.1840.087+0.097
YOY0.1800.083+0.097
5Y0.1840.077+0.107
10Y0.1110.065+0.046

1.4. Solvency of EFG International AG.

1.3. Liquidity
1.4.1. Debt To Asset Ratio
  • Shows if the company is owned by creditors or shareholders.
  • Below 1 (100%) is considered healthy depending on the industry
  • A debt to asset ratio of 0.45 (45%) means that the company is financed with 45% credit and 55% is financed by it's owners (shareholders).

Let's take a look of the Debt To Asset Ratio trends of EFG International AG:

  • The MRQ is 0.952. Tight, but oke.
  • The TTM is 0.947. Tight, but oke.
Trends
Current periodCompared to+/- 
MRQ0.952TTM0.947+0.005
TTM0.947YOY0.955-0.008
TTM0.9475Y0.956-0.008
5Y0.95610Y0.953+0.002
Compared to industry (Banks-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9520.939+0.013
TTM0.9470.939+0.008
YOY0.9550.940+0.015
5Y0.9560.934+0.022
10Y0.9530.934+0.019
1.4.2. Debt to Equity Ratio
  • Measures the total debt versus the total shareholders equity (total assets - total liabilities).
  • Below 2 is considered healthy depending on the industry.
  • A debt to equity ratio of 0.84 means that company has $0,84 debt for each $1 in equity.

Let's take a look of the Debt to Equity Ratio trends of EFG International AG:

  • The MRQ is 20.192. Bad. To much debt compared to equity. -1
  • The TTM is 18.420. Bad. To much debt compared to equity. -1
Trends
Current periodCompared to+/- 
MRQ20.192TTM18.420+1.772
TTM18.420YOY22.116-3.696
TTM18.4205Y22.289-3.869
5Y22.28910Y21.365+0.924
Compared to industry (Banks-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ20.19215.476+4.716
TTM18.42015.528+2.892
YOY22.11616.013+6.103
5Y22.28915.308+6.981
10Y21.36514.555+6.810

2. Market Valuation of EFG International AG

2. Earnings
2.1. Price to Earnings Ratio
  • Compares the company's stock price to its earnings.
  • Above 15 is considered overpriced but is hard to determine (always use industry average).
  • A PE ratio of 15 means the investor is paying $15 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of EFG International AG:

  • The EOD is 13.086. Good. +1
  • The MRQ is 11.915. Good. +1
  • The TTM is 11.517. Good. +1
Trends
Current periodCompared to+/- 
EOD13.086MRQ11.915+1.171
MRQ11.915TTM11.517+0.397
TTM11.517YOY11.980-0.463
TTM11.5175Y10.622+0.895
5Y10.62210Y13.580-2.957
Compared to industry (Banks-Diversified)
PeriodCompanyIndustry (mean)+/- 
EOD13.0866.400+6.686
MRQ11.9157.240+4.675
TTM11.5179.385+2.132
YOY11.9808.228+3.752
5Y10.6226.334+4.288
10Y13.5806.674+6.906
2.2. Price/Earnings-to-Growth Ratio

Let's take a look of the Price/Earnings-to-Growth Ratio trends of EFG International AG:

  • The MRQ is -5.999. Very Bad. -2
  • The TTM is -0.871. Very Bad. -2
Trends
Current periodCompared to+/- 
MRQ-5.999TTM-0.871-5.128
TTM-0.871YOY-0.645-0.226
TTM-0.8715Y-0.297-0.574
5Y-0.29710Y-0.257-0.040
Compared to industry (Banks-Diversified)
PeriodCompanyIndustry (mean)+/- 
MRQ-5.9990.263-6.262
TTM-0.8710.215-1.086
YOY-0.645-0.002-0.643
5Y-0.2970.047-0.344
10Y-0.2570.072-0.329

2. Books
2.3. Price to Book Ratio
  • Shows if the stock is under or overvalued compared to it's book value (total assets - total liabilities).
  • At or below 1 is considered healthy
  • A PB ratio of 3 means the investor is paying $3 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of EFG International AG:

  • The EOD is 1.125. Good. +1
  • The MRQ is 1.024. Good. +1
  • The TTM is 0.951. Very good. +2
Trends
Current periodCompared to+/- 
EOD1.125MRQ1.024+0.101
MRQ1.024TTM0.951+0.074
TTM0.951YOY1.025-0.074
TTM0.9515Y1.144-0.193
5Y1.14410Y1.217-0.073
Compared to industry (Banks-Diversified)
PeriodCompanyIndustry (mean)+/- 
EOD1.1250.669+0.456
MRQ1.0240.682+0.342
TTM0.9510.765+0.186
YOY1.0250.626+0.399
5Y1.1440.655+0.489
10Y1.2170.607+0.610

3. Summary

3.1. Key Performance Indicators

The key performance indicators of EFG International AG compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Per Share--6.8537.356-7%6.290+9%6.140+12%6.773+1%
Current Ratio--0.4720.591-20%0.691-32%0.568-17%0.328+44%
Debt To Asset Ratio--0.9520.947+0%0.9550%0.9560%0.9530%
Debt To Equity Ratio--20.19218.420+10%22.116-9%22.289-9%21.365-5%
Eps--0.1460.147-1%0.150-3%0.090+62%0.073+99%
Gross Profit Margin--1.0001.0000%1.0000%0.952+5%0.946+6%
Net Profit Margin----0%-0%0.031-100%0.105-100%
Operating Margin----0%-0%0.108-100%0.267-100%
Operating Ratio----0%-0%0.183-100%0.155-100%
Pb Ratio1.125+9%1.0240.951+8%1.0250%1.144-10%1.217-16%
Pe Ratio13.086+9%11.91511.517+3%11.980-1%10.622+12%13.580-12%
Peg Ratio---5.999-0.871-85%-0.645-89%-0.297-95%-0.257-96%
Price Per Share7.710+9%7.0206.983+1%6.440+9%6.931+1%8.138-14%
Quick Ratio--0.3600.184+95%0.180+100%0.184+96%0.111+225%
Return On Assets--0.0010.001-22%0.002-33%0.001+23%0.001+9%
Return On Equity--0.0240.028-14%0.038-36%0.020+18%0.024+1%
 EOD+0 -3MRQTTM+2 -10YOY+7 -55Y+11 -510Y+14 -2

3.2. Fundamental Score

Let's check the fundamental score of EFG International AG based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1513.086
Price to Book Ratio (EOD)Between0-11.125
Net Profit Margin (MRQ)Greater than00.000
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.360
Current Ratio (MRQ)Greater than10.472
Debt To Asset Ratio (MRQ)Less than10.952
Debt to Equity Ratio (MRQ)Less than120.192
Return On Equity (MRQ)Greater than0.150.024
Return on Assets (MRQ)Greater than0.050.001
Total2/10 (20.0%)

3.3. Technical Score

Let's check the technical score of EFG International AG based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5035.564
Ma 20Greater thanMa 508.186
Ma 50Greater thanMa 1007.828
Ma 100Greater thanMa 2007.412
OpenGreater thanClose7.990
Total4/5 (80.0%)



Latest Balance Sheet

Balance Sheet of 2022-06-30. Currency in CHF. All numbers in thousands.

Summary
Total Assets43,885,200
Total Liabilities41,774,000
Total Stockholder Equity2,068,800
 As reported
Total Liabilities 41,774,000
Total Stockholder Equity+ 2,068,800
Total Assets = 43,885,200

Assets

Total Assets43,885,200
Total Current Assets17,151,100
Long-term Assets17,151,100
Total Current Assets
Cash And Cash Equivalents 12,792,500
Net Receivables 307,800
Other Current Assets 152,800
Total Current Assets  (as reported)17,151,100
Total Current Assets  (calculated)13,253,100
+/- 3,898,000
Long-term Assets
Property Plant Equipment 315,100
Long Term Investments 10,817,100
Long-term Assets Other 237,800
Long-term Assets  (as reported)11,370,000
Long-term Assets  (calculated)11,370,000
+/-0

Liabilities & Shareholders' Equity

Total Current Liabilities36,356,000
Long-term Liabilities41,100
Total Stockholder Equity2,068,800
Total Current Liabilities
Accounts payable 33,673,700
Other Current Liabilities 36,500
Total Current Liabilities  (as reported)36,356,000
Total Current Liabilities  (calculated)33,710,200
+/- 2,645,800
Long-term Liabilities
Long-term Liabilities  (as reported)41,100
Long-term Liabilities  (calculated)0
+/- 41,100
Total Stockholder Equity
Common Stock154,000
Retained Earnings -417,400
Other Stockholders Equity 2,332,200
Total Stockholder Equity (as reported)2,068,800
Total Stockholder Equity (calculated)2,068,800
+/-0
Other
Capital Stock154,000
Cash and Short Term Investments 12,792,500
Common Stock Shares Outstanding 308,072
Liabilities and Stockholders Equity 43,842,800
Net Debt -12,751,400
Net Invested Capital 2,109,900
Net Tangible Assets 1,831,000
Short Long Term Debt Total 41,100



Balance Sheet

Currency in CHF. All numbers in thousands.

 Trend2022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-09-302003-06-302003-03-312002-12-31
> Total Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20,650,000
0
21,502,200
0
20,893,200
0
20,955,700
0
21,040,900
0
22,604,000
0
23,625,900
0
22,142,000
0
21,698,600
0
22,633,200
0
25,344,100
0
24,699,700
0
26,796,400
0
26,977,700
42,319,000
42,318,600
42,022,300
42,022,300
41,612,700
41,612,700
41,518,300
41,518,300
40,160,500
40,160,500
41,216,300
41,216,300
40,984,800
40,984,800
0
42,300,700
0
40,637,200
0
41,798,200
0
42,143,000
0
43,885,200
43,885,200042,143,000041,798,200040,637,200042,300,700040,984,80040,984,80041,216,30041,216,30040,160,50040,160,50041,518,30041,518,30041,612,70041,612,70042,022,30042,022,30042,318,60042,319,00026,977,700026,796,400024,699,700025,344,100022,633,200021,698,600022,142,000023,625,900022,604,000021,040,900020,955,700020,893,200021,502,200020,650,0000000000000000000000000000000
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
14,664,000
14,664,000
15,473,900
15,473,900
15,373,400
15,373,400
16,236,400
16,236,400
13,710,400
13,710,400
22,009,400
22,009,400
14,056,300
14,056,300
16,044,900
31,836,900
14,812,000
31,669,500
14,741,000
30,806,500
16,248,000
32,255,400
17,151,100
17,151,100
17,151,10017,151,10032,255,40016,248,00030,806,50014,741,00031,669,50014,812,00031,836,90016,044,90014,056,30014,056,30022,009,40022,009,40013,710,40013,710,40016,236,40016,236,40015,373,40015,373,40015,473,90015,473,90014,664,00014,664,0000000000000000000000000000000000000000000000000000000000
       Cash And Cash Equivalents 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3,512,400
0
836,900
0
2,866,700
0
446,800
0
3,286,200
0
1,035,400
0
4,404,600
0
4,292,600
0
2,792,200
0
3,210,400
0
4,586,100
0
5,722,900
0
6,587,400
0
7,576,700
3,694,000
11,095,100
13,587,600
13,144,100
3,461,000
11,581,200
12,739,500
12,319,200
4,111,100
10,071,900
12,783,300
12,559,500
3,276,400
10,722,900
0
11,650,300
0
11,302,300
0
10,935,400
0
12,259,800
0
12,792,500
12,792,500012,259,800010,935,400011,302,300011,650,300010,722,9003,276,40012,559,50012,783,30010,071,9004,111,10012,319,20012,739,50011,581,2003,461,00013,144,10013,587,60011,095,1003,694,0007,576,70006,587,40005,722,90004,586,10003,210,40002,792,20004,292,60004,404,60001,035,40003,286,2000446,80002,866,7000836,90003,512,4000000000000000000000000000000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
407,400
0
0
0
41,200
0
0
0
34,800
0
0
0
35,800
0
0
418,000
277,500
517,300
517,300
554,300
-100
704,800
704,800
434,700
113,600
633,200
633,200
548,700
130,300
648,400
648,400
593,300
36,700
591,200
591,200
317,100
32,300
307,800
307,800
307,800307,80032,300317,100591,200591,20036,700593,300648,400648,400130,300548,700633,200633,200113,600434,700704,800704,800-100554,300517,300517,300277,500418,0000035,80000034,80000041,200000407,4000000000000000000000000000000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,929,000
8,929,000
0
0
9,610,900
9,610,900
0
0
7,091,800
7,091,800
0
0
8,480,400
8,480,400
0
20,186,600
8,930,400
20,330,500
145,400
19,871,100
10,119,400
19,963,300
152,800
152,800
152,800152,80019,963,30010,119,40019,871,100145,40020,330,5008,930,40020,186,60008,480,4008,480,400007,091,8007,091,800009,610,9009,610,900008,929,0008,929,0000000000000000000000000000000000000000000000000000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
10,463,800
0
8,967,700
0
10,991,700
0
9,887,600
0
11,370,000
11,370,00009,887,600010,991,70008,967,700010,463,8000000000000000000000000000000000000000000000000000000000000000000000000
       Property Plant Equipment 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
56,000
0
50,500
0
47,500
0
44,100
0
38,200
0
35,500
0
33,000
0
22,700
0
22,500
0
22,200
0
21,100
0
19,200
0
21,600
0
19,400
0
253,700
260,600
260,600
255,000
255,000
248,100
248,100
202,100
202,100
348,200
348,200
282,100
282,100
261,600
261,600
335,200
335,200
311,300
311,300
334,600
334,600
315,100
315,100
315,100315,100334,600334,600311,300311,300335,200335,200261,600261,600282,100282,100348,200348,200202,100202,100248,100248,100255,000255,000260,600260,600253,700019,400021,600019,200021,100022,200022,500022,700033,000035,500038,200044,100047,500050,500056,0000000000000000000000000000000
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,070,900
0
0
0
-374,600
0
0
0
0
0
0
0
235,700
0
0
0
228,200
0
0
0
235,100
0
0
0
228,200
0
0
41,000
40,500
0
0
47,000
47,000
0
0
44,700
44,700
0
0
70,500
70,500
0
0
0
69,700
0
0
0
48,800
0
0
0048,80000069,70000070,50070,5000044,70044,7000047,00047,0000040,50041,00000228,200000235,100000228,200000235,7000000000-374,6000001,070,9000000000000000000000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
7,516,000
7,516,000
7,376,700
7,376,700
6,686,700
6,686,700
5,647,000
5,647,000
7,057,300
7,057,300
103,600
9,553,500
7,264,200
9,971,800
0
10,960,400
0
9,266,800
0
10,450,200
0
9,323,700
0
10,817,100
10,817,10009,323,700010,450,20009,266,800010,960,40009,971,8007,264,2009,553,500103,6007,057,3007,057,3005,647,0005,647,0006,686,7006,686,7007,376,7007,376,7007,516,0007,516,0000000000000000000000000000000000000000000000000000000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
420,400
0
614,900
0
953,400
0
547,400
0
0
0
0
0
58,900
0
0
0
38,700
0
0
0
39,800
0
0
0
43,500
0
0
0
151,200
198,800
198,800
155,800
155,800
198,700
198,700
155,900
155,900
257,000
257,000
188,400
188,400
0
256,000
0
190,700
0
230,200
0
180,500
0
0
00180,5000230,2000190,7000256,0000188,400188,400257,000257,000155,900155,900198,700198,700155,800155,800198,800198,800151,20000043,50000039,80000038,70000058,90000000547,4000953,4000614,9000420,4000000000000000000000000000000
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9,553,500
0
9,971,800
0
10,960,400
0
9,266,800
0
10,450,200
0
10,111,500
0
0
0010,111,500010,450,20009,266,800010,960,40009,971,80009,553,500000000000000000000000000000000000000000000000000000000000000000000
       Other Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
20,650,000
0
21,502,200
0
20,893,200
0
20,955,700
0
21,040,900
0
22,604,000
0
23,625,900
0
22,142,000
0
21,698,600
0
22,633,200
0
25,344,100
0
24,699,700
0
26,796,400
0
26,977,700
0
42,318,600
18,712,300
42,022,300
19,094,800
41,612,700
19,188,100
41,518,300
18,990,100
40,160,500
18,498,100
41,216,300
19,123,300
40,984,800
19,172,400
52,764,500
18,578,000
49,604,900
19,725,700
52,789,900
18,601,900
52,030,600
18,817,900
55,255,200
55,255,20018,817,90052,030,60018,601,90052,789,90019,725,70049,604,90018,578,00052,764,50019,172,40040,984,80019,123,30041,216,30018,498,10040,160,50018,990,10041,518,30019,188,10041,612,70019,094,80042,022,30018,712,30042,318,600026,977,700026,796,400024,699,700025,344,100022,633,200021,698,600022,142,000023,625,900022,604,000021,040,900020,955,700020,893,200021,502,200020,650,0000000000000000000000000000000
> Total Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
18,411,700
0
20,177,500
0
19,594,500
0
19,685,300
0
20,029,400
0
21,483,100
0
22,309,500
0
21,074,400
0
20,592,100
0
21,518,700
0
24,169,000
0
23,567,600
0
25,667,400
0
25,633,700
40,062,000
40,062,100
39,896,500
39,896,500
39,885,700
39,885,700
39,810,800
39,810,800
38,504,400
38,504,400
39,566,400
39,566,400
39,204,000
39,204,000
0
40,605,600
0
38,879,200
0
39,550,500
0
39,851,500
0
41,774,000
41,774,000039,851,500039,550,500038,879,200040,605,600039,204,00039,204,00039,566,40039,566,40038,504,40038,504,40039,810,80039,810,80039,885,70039,885,70039,896,50039,896,50040,062,10040,062,00025,633,700025,667,400023,567,600024,169,000021,518,700020,592,100021,074,400022,309,500021,483,100020,029,400019,685,300019,594,500020,177,500018,411,7000000000000000000000000000000
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
34,390,000
34,390,000
33,708,800
33,708,800
33,799,100
33,799,100
33,406,100
33,406,100
33,750,600
33,750,600
32,861,800
32,861,800
34,763,300
34,763,300
34,253,600
34,253,600
32,754,000
32,754,000
33,882,500
33,882,500
34,244,800
34,167,600
36,356,000
36,356,000
36,356,00036,356,00034,167,60034,244,80033,882,50033,882,50032,754,00032,754,00034,253,60034,253,60034,763,30034,763,30032,861,80032,861,80033,750,60033,750,60033,406,10033,406,10033,799,10033,799,10033,708,80033,708,80034,390,00034,390,0000000000000000000000000000000000000000000000000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,804,000
1,804,000
3,264,600
3,264,600
428,200
428,200
456,000
456,000
40,800
40,800
504,600
504,600
400,200
400,200
0
0
0
0
0
0
0
0
0
0
0000000000400,200400,200504,600504,60040,80040,800456,000456,000428,200428,2003,264,6003,264,6001,804,0001,804,0000000000000000000000000000000000000000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,804,000
1,804,000
3,264,600
3,264,600
428,200
428,200
456,000
456,000
40,800
40,800
504,600
504,600
400,200
400,200
0
0
0
0
0
0
0
0
0
0
0000000000400,200400,200504,600504,60040,80040,800456,000456,000428,200428,2003,264,6003,264,6001,804,0001,804,0000000000000000000000000000000000000000000000000000000000
       Accounts payable 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
32,747,000
32,747,000
30,979,900
30,979,900
32,298,000
32,298,000
31,907,100
31,907,100
30,065,500
30,065,500
31,313,700
31,313,700
30,705,700
30,705,700
31,965,200
31,965,200
30,841,600
30,841,600
32,266,100
32,266,100
32,516,800
32,516,800
33,673,700
33,673,700
33,673,70033,673,70032,516,80032,516,80032,266,10032,266,10030,841,60030,841,60031,965,20031,965,20030,705,70030,705,70031,313,70031,313,70030,065,50030,065,50031,907,10031,907,10032,298,00032,298,00030,979,90030,979,90032,747,00032,747,0000000000000000000000000000000000000000000000000000000000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
72,000
72,000
34,800
34,800
112,400
112,400
184,200
184,200
2,148,500
2,148,500
29,100
29,100
2,265,000
2,265,000
120,900
120,900
36,100
36,100
50,400
50,400
49,400
19,000
36,500
36,500
36,50036,50019,00049,40050,40050,40036,10036,100120,900120,9002,265,0002,265,00029,10029,1002,148,5002,148,500184,200184,200112,400112,40034,80034,80072,00072,0000000000000000000000000000000000000000000000000000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
475,700
0
602,000
0
184,900
0
475,200
0
41,100
41,1000475,2000184,9000602,0000475,7000000000000000000000000000000000000000000000000000000000000000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,383,000
0
5,702,600
0
5,093,500
0
4,872,300
0
4,628,500
0
4,404,800
0
0
004,404,80004,628,50004,872,30005,093,50005,702,60005,383,000000000000000000000000000000000000000000000000000000000000000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
5,617,200
5,617,200
5,698,400
5,698,400
6,003,000
6,003,000
4,174,100
4,174,100
6,313,800
6,313,800
4,256,300
4,256,300
5,967,900
5,967,900
5,563,700
5,563,700
5,483,100
5,483,100
5,166,700
5,501,200
5,418,000
5,418,000
5,418,0005,418,0005,501,2005,166,7005,483,1005,483,1005,563,7005,563,7005,967,9005,967,9004,256,3004,256,3006,313,8006,313,8004,174,1004,174,1006,003,0006,003,0005,698,4005,698,4005,617,2005,617,200000000000000000000000000000000000000000000000000000000000
> Total Stockholder Equity
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,152,700
0
1,286,700
0
1,275,900
0
1,247,000
0
986,900
0
1,091,000
0
1,212,100
0
1,060,900
0
1,101,700
0
1,095,900
0
1,156,300
0
1,114,300
0
1,109,500
0
1,322,800
0
2,233,900
2,101,700
2,101,700
1,699,900
1,699,900
1,680,900
1,680,900
1,627,700
1,627,700
1,608,300
1,608,300
1,726,500
1,726,700
0
1,643,400
0
1,701,200
0
2,191,500
0
2,248,900
0
2,068,800
2,068,80002,248,90002,191,50001,701,20001,643,40001,726,7001,726,5001,608,3001,608,3001,627,7001,627,7001,680,9001,680,9001,699,9001,699,9002,101,7002,101,7002,233,90001,322,80001,109,50001,114,30001,156,30001,095,90001,101,70001,060,90001,212,10001,091,0000986,90001,247,00001,275,90001,286,70002,152,7000000000000000000000000000000
   Common Stock
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
73,300
0
73,100
0
73,100
0
73,100
0
73,100
0
77,200
0
73,300
0
73,800
0
73,900
0
75,200
0
75,300
0
76,000
0
75,900
0
100,600
2,055,000
143,700
144,800
144,800
145,100
144,900
146,300
146,300
145,100
147,000
146,900
146,900
148,600
148,600
147,500
147,500
149,100
149,100
150,200
150,200
152,000
152,000
154,000
154,000
154,000154,000152,000152,000150,200150,200149,100149,100147,500147,500148,600148,600146,900146,900147,000145,100146,300146,300144,900145,100144,800144,800143,7002,055,000100,600075,900076,000075,300075,200073,900073,800073,300077,200073,100073,100073,100073,100073,3000000000000000000000000000000
   Retained Earnings Total Equity0000000000000000000000000000000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-57,000
0
0
0
73,100
0
0
0
-79,200
0
0
0
-78,700
0
0
0
-84,700
0
0
0
-89,300
0
0
0
-93,200
0
0
0
-116,100
0
0
0
-139,900
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000-139,900000-116,100000-93,200000-89,300000-84,700000-78,700000-79,20000073,100000-57,00000000000000000000000000000000000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,876,800
0
1,858,800
0
1,855,600
0
1,858,000
0
1,858,000
0
2,014,700
0
0
002,014,70001,858,00001,858,00001,855,60001,858,80001,876,800000000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock0000000000000000000000000000000000000000000000000000000000000000000000000000000
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1,311,400
0
1,275,900
0
1,253,400
0
1,132,800
0
1,159,000
0
1,292,700
0
1,439,000
0
1,175,800
0
1,267,900
0
1,218,200
0
1,256,000
0
1,118,600
0
1,181,800
0
1,297,100
0
1,938,300
-32,000
1,878,800
248,400
2,269,300
254,300
2,159,100
206,400
2,221,000
240,600
2,117,400
286,000
2,141,800
218,200
2,073,800
238,800
2,095,800
717,100
2,575,100
489,200
2,503,900
315,500
2,332,200
2,332,200315,5002,503,900489,2002,575,100717,1002,095,800238,8002,073,800218,2002,141,800286,0002,117,400240,6002,221,000206,4002,159,100254,3002,269,300248,4001,878,800-32,0001,938,30001,297,10001,181,80001,118,60001,256,00001,218,20001,267,90001,175,80001,439,00001,292,70001,159,00001,132,80001,253,40001,275,90001,311,4000000000000000000000000000000



Balance Sheet

Currency in CHF. All numbers in thousands.




Cash Flow

Currency in CHF. All numbers in thousands.