Cembra lifts profit, tightens costs and eyes higher returns in 2026

Cembra Money Bank AG ( (CH:CMBN) ) has provided an announcement.

Cembra Money Bank reported a 5% rise in net income to CHF 180 million for 2025, driven by growth in vehicle financing, strict cost discipline and stable credit quality, even as net receivables and revenues declined slightly amid selective lending. The bank sharply improved its cost/income ratio to 45.2%, held its loss rate at 1.1%, maintained a robust Tier 1 capital ratio of 17.6% and proposed a higher ordinary dividend plus a special payout, underscoring confidence in its capital strength.

Strategically, Cembra advanced its digital and operational agenda with a fully migrated leasing platform, expanded features and partnerships in its card business and wider adoption of its app, while further diversifying funding through a covered bond programme. The bank also announced the appointment of seasoned finance executive Christoph Glaser as CFO from March 2026 and guided to further net income growth, additional cost reductions and an improved return on equity around 15% in 2026, signalling continued focus on profitability and efficiency.

The most recent analyst rating on (CH:CMBN) stock is a Buy with a CHF116.00 price target. To see the full list of analyst forecasts on Cembra Money Bank AG stock, see the CH:CMBN Stock Forecast page.

More about Cembra Money Bank AG

Cembra Money Bank AG is a Swiss consumer finance provider focused on personal loans, vehicle leasing and loans, credit cards and buy-now-pay-later solutions. The bank targets retail customers and partners in Switzerland, combining digital platforms, a mobile app and co-branding partnerships to deliver financing services while maintaining a diversified funding base and strong capital position.

Average Trading Volume: 70,319

Technical Sentiment Signal: Strong Buy

Current Market Cap: CHF2.91B

See more data about CMBN stock on TipRanks’ Stock Analysis page.