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Cembra Money Bank AG (CH:CMBN)
:CMBN
Earnings Data
Report Date
Jul 23, 2026TBA (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
―Last Year’s EPS
2.97Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call emphasized operational execution, cost discipline and capital strength with clear, measurable improvements (net income +5%, CHF 19m cost savings, improved cost/income, defended NIM, strong Tier 1 at 17.6%). Management acknowledged headwinds (net revenue -2%, personal loans -6%, regulatory pressure on card yields and a higher H2 loss rate driven by a collections/write-off synchronization). On balance the positives — improved profitability metrics, strong capital and clear 2026 targets (ROE ~15%, further OpEx reduction) — outweigh the transitory and structural challenges discussed.Company Guidance
Net Income Growth
Net income increased 5% to CHF 179.6 million (presented as ~CHF 180 million), demonstrating resilience and delivery from transformation programs.
Significant Cost Savings and OpEx Reduction
Achieved CHF 19 million of cost savings in 2025; operating expenses decreased 7% to CHF 245 million; personnel costs down ~10% driven by FTE optimization and automation.
Improved Cost-Income Ratio
Cost/income ratio improved to 45.2% for the full year and reached 42.9% in H2 2025; management targets further improvement to 39%-41% in 2026 with CHF 15–20 million additional OpEx reductions planned.
Defended Net Interest Margin
Net interest margin was maintained at 5.5% in 2025 despite a volatile rate environment and is expected to remain broadly stable in 2026.
Stable Loss Performance
Provisions for losses remained stable at CHF ~74 million, resulting in a loss ratio of 1.1% for 2025; management expects losses around ~1% for 2026.
Capital Strength and Shareholder Returns
Tier 1 capital ratio strong at 17.6% (above midterm target of 17%); ordinary dividend proposed up 8% to CHF 4.60 and an extraordinary dividend of CHF 1; ROE for 2025 was 13.7% with 2026 guidance around 15%.
Selective Asset Growth in Higher-Quality Segments
Net financing receivables showed modest growth in secured segments: auto (lease & loans) grew ~3%; credit card assets up ~1%; overall net financing receivables movement was slight given active portfolio management.
Funding and Liquidity Improvements
Funding cost improved to 1.33% at period end; launched two auto-covered bond issuances of CHF 150 million each; liquidity metrics remained robust with LCR at 744% and NSFR at 116%.
Product & Operational Progress
Digital engagement and partnerships advanced — app enrollments exceed 600,000; new loyalty program launched with 30+ retail partners; auto leasing platform rollout delivering efficiency and automation gains.
CH:CMBN Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CH:CMBN Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 19, 2026 | CHF99.20 | CHF92.95 | -6.30% |
Jul 24, 2025 | CHF102.20 | CHF91.95 | -10.03% |
Feb 20, 2025 | CHF88.55 | CHF91.86 | +3.73% |
Jul 24, 2024 | CHF75.43 | CHF73.27 | -2.86% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Cembra Money Bank AG (CH:CMBN) report earnings?
Cembra Money Bank AG (CH:CMBN) is schdueled to report earning on Jul 23, 2026, TBA (Confirmed).
What is Cembra Money Bank AG (CH:CMBN) earnings time?
Cembra Money Bank AG (CH:CMBN) earnings time is at Jul 23, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of Cembra Money Bank AG stock?
The P/E ratio of Cembra Money Bank AG is N/A.
What is CH:CMBN EPS forecast?
Currently, no data Available