Cembra Money Bank AG (CH:CMBN)
:CMBN
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CMBN Stock Chart & Stats
CHF98.85
-CHF1.10(-1.12%)
At close: 4:00 PM EST
CHF98.85
-CHF1.10(-1.12%)
Day’s Range― - ―
52-Week RangeCHF88.30 - CHF105.50
Previous CloseN/A
Volume8.02K
Average Volume (3M)50.87K
Market Cap
CHF2.80B
Enterprise ValueCHF4.83B
Total Cash (Recent Filing)CHF780.98M
Total Debt (Recent Filing)CHF2.83B
Price to Earnings (P/E)15.9
Beta0.43
Next Earnings
Jul 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield4.3%
Share Statistics
EPS (TTM)6.06
Shares Outstanding30,000,000
10 Day Avg. Volume53,197
30 Day Avg. Volume50,870
Financial Highlights & Ratios
PEG Ratio5.06
Price to Book (P/B)2.22
Price to Sales (P/S)4.69
P/FCF Ratio14.37
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)6.94
Revenue Forecast (FY)CHF557.05M
Bulls Say, Bears Say
Bulls Say
Strong Cash GenerationHigh and closely aligned free cash flow demonstrates earnings quality and durable internal funding capacity. Sustained FCF near net income gives management flexibility to pay dividends, reinvest in digital and partnerships, and absorb credit cycles without immediate reliance on costly external funding.
Capital Strength & ReturnsA robust Tier 1 buffer and clear dividend policy indicate a conservative capital framework that supports shareholder returns while preserving regulatory headroom. Targeted ~15% ROE shows management intends to sustainably deploy capital into profitable lending and efficiency programs without eroding solvency.
Operational Efficiency GainsMaterial, repeatable cost reductions and automation-driven FTE optimization reduce structural operating leverage and improve margin resilience. Delivering multi-year OpEx savings supports sustainable lower cost/income, making profitability less sensitive to modest revenue setbacks or regulatory headwinds.
Bears Say
High Leverage And Funding MixElevated leverage and reliance on debt-style funding amplify sensitivity to funding cost volatility and credit shocks. Even with improving metrics, high debt-to-equity constrains rapid asset growth, increases refinancing and liquidity risk, and limits flexibility for aggressive expansion over the medium term.
Regulatory Cap On Card YieldsA regulatory ceiling on card interest creates a structural headwind to a core high-margin product, compressing net interest income unless offset by volumes, fees, or cost cuts. Persistent yield caps reduce long-term earnings power of the card portfolio and force strategic shifts toward lower-yield secured lending.
Contraction In Unsecured Personal LoansA sustained shrinkage in the unsecured personal-loan book reduces exposure to historically higher-yield segments, limiting NII growth and scale benefits. If selective underwriting and portfolio consolidation persist, revenue mix will shift toward secured products with lower yields, challenging medium-term growth targets.
Cembra Money Bank AG News
CMBN FAQ
What was Cembra Money Bank AG’s price range in the past 12 months?
Cembra Money Bank AG lowest stock price was CHF88.30 and its highest was CHF105.50 in the past 12 months.
What is Cembra Money Bank AG’s market cap?
Cembra Money Bank AG’s market cap is CHF2.80B.
When is Cembra Money Bank AG’s upcoming earnings report date?
Cembra Money Bank AG’s upcoming earnings report date is Jul 23, 2026 which is in 42 days.
How were Cembra Money Bank AG’s earnings last quarter?
Cembra Money Bank AG released its earnings results on Feb 19, 2026. The company reported CHF3.152 earnings per share for the quarter, missing the consensus estimate of CHF3.16 by -CHF0.008.
Is Cembra Money Bank AG overvalued?
According to Wall Street analysts Cembra Money Bank AG’s price is currently Overvalued.
Does Cembra Money Bank AG pay dividends?
Cembra Money Bank AG pays a Annually dividend of CHF5.6 which represents an annual dividend yield of 4.3%. See more information on Cembra Money Bank AG dividends here
What is Cembra Money Bank AG’s EPS estimate?
Cembra Money Bank AG’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Cembra Money Bank AG have?
Cembra Money Bank AG has 30,000,000 shares outstanding.
What happened to Cembra Money Bank AG’s price movement after its last earnings report?
Cembra Money Bank AG reported an EPS of CHF3.152 in its last earnings report, missing expectations of CHF3.16. Following the earnings report the stock price went down -6.301%.
Which hedge fund is a major shareholder of Cembra Money Bank AG?
Currently, no hedge funds are holding shares in CH:CMBN
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Cembra Money Bank AG
Cembra Money Bank AG is a leading Swiss financial institution focused on consumer finance products and services. Its diverse offerings include savings products such as medium-term notes and deposit accounts, alongside a variety of loan options encompassing cash, personal, consumer, business, and auto loans. The bank also manages credit card receivables and provides comprehensive leasing services for new and used vehicles, covering cars, light commercial vehicles, motorcycles, and caravans, in addition to corporate leasing. Furthermore, Cembra offers financial protection products guarding against involuntary unemployment, accidents, illness, or disability, as well as travel, flight, and card protection insurance. Its portfolio also features investment products, credit cards, mobile payment solutions, and a suite of e-services. For small businesses, under the Cembra Business brand, the bank delivers tailored financing solutions, including invoice financing. Serving private individuals, self-employed professionals, and small and medium-sized enterprises (SMEs), Cembra operates through a robust network of branches, online platforms, credit card partnerships, independent intermediaries, and approximately 4,000 car dealerships. Established in 1912 and headquartered in Zurich, Switzerland, the company adopted its current name in October 2013, having previously operated as GE Money Bank Aktiengesellschaft.
Technical Analysis
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Options Prices
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