Cembra Money Bank AG (CMBN) AI Stock Analysis

• Market Cap: CHF2.72B
• Dividend Yield: 4.66%
• Average Volume (3M): 80.28K
• Price to Earnings (P/E): 15.1
• Beta (1Y): 0.50
• Revenue Growth: 3.32%
• EPS Growth: 11.19%
• Country: CH
• Employees: 759
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 2.98
• Shares Outstanding: 30,000,000
• 10 Day Avg. Volume: 54,968
• 30 Day Avg. Volume: 80,281
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: CHF91.70
• Price Target Upside: 0.55% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 70 Outperform
• Price Target: ―

Cembra Money Bank AG's overall score reflects its strong financial growth, debt-free status, and robust cash flow generation, providing a stable foundation. The technical analysis suggests a positive trend, further supporting the stock's prospects. The valuation is moderate, with a high dividend yield adding appeal. However, the absence of complete financial metrics like EBIT and EBITDA and limited technical indicators slightly temper the outlook.

Cembra Money Bank AG Business Overview & Revenue Model

Company Description

Cembra Money Bank AG provides consumer finance products and services in Switzerland. The company offers savings products, including medium-term notes and deposit accounts; loans comprising cash, consumer, personal, business, and auto loans; credit card receivables; and leasing services for new and used vehicles, including cars, light commercial vehicles, motorcycles, and caravans, as well as corporate leasing services. It also provides financial protection products in case of involuntary unemployment, accident, illness, or disability; travel and flight, and card protection insurance products; investment products; and credit cards, mobile payment, and e-services. In addition, the company offers financing solutions to small businesses under the Cembra Business brand, as well as invoice financing services. The company serves private and self-employed individuals, and small and medium enterprises. It operates through a network of branches, as well as through various sales channels, such as the internet, credit card partners, independent intermediaries, and approximately 4,000 car dealers. The company was formerly known as GE Money Bank Aktiengesellschaft and changed its name to Cembra Money Bank AG in October 2013. Cembra Money Bank AG was founded in 1912 and is headquartered in Zurich, Switzerland.

How the Company Makes Money

Cembra Money Bank AG generates revenue primarily through interest income from its lending activities, including personal loans, auto financing, and credit card products. The company earns interest on the money it lends to customers, which constitutes a significant portion of its income. Additionally, Cembra earns fees from its credit card business, including annual fees, transaction fees, and late payment charges. The bank also benefits from partnerships with retailers and other commercial entities, which help drive customer acquisition and cross-selling opportunities. Furthermore, the company manages risk through a strong credit assessment framework, ensuring the sustainability of its revenue streams.

Cembra Money Bank AG Financial Statement Overview

Summary

Cembra Money Bank AG exhibits healthy financial growth with increasing revenues and strong cash flow generation. The elimination of debt in 2024 strengthens its financial position, enhancing stability. However, the lack of EBIT and EBITDA figures in the latest period raises concerns about operating performance visibility.

Income Statement

Cembra Money Bank AG shows a positive revenue growth trend with a notable increase in total revenue from $458.78M in 2023 to $550.45M in 2024. The gross profit margin remains stable at 100% due to the nature of the financial industry. However, the absence of EBIT and EBITDA in the latest period reduces transparency in operational efficiency.

Balance Sheet

The company maintains a strong equity position with a debt-to-equity ratio of zero in 2024, indicating no reliance on debt financing. However, the stockholders' equity has shown marginal growth, and the equity ratio, calculated as equity over total assets, suggests moderate leverage. Return on equity stands at approximately 13.26% in 2024, reflecting reasonable profitability.

Cash Flow

Operating cash flow increased from $188.53M in 2023 to $260.65M in 2024, supporting strong cash generation capabilities. Free cash flow also improved significantly, indicating efficient capital expenditure management. The operating cash flow to net income ratio remains robust, while free cash flow to net income ratio demonstrates solid cash conversion.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	550.45M	458.78M	538.25M	513.05M	524.09M
Gross Profit	550.45M	590.60M	538.25M	513.05M	524.09M
EBITDA	0.00	223.67M	236.43M	225.53M	413.35M
Net Income	170.40M	158.03M	169.30M	161.50M	152.92M
Balance Sheet
Total Assets	7.95B	8.09B	7.66B	7.10B	7.26B
Cash, Cash Equivalents and Short-Term Investments	793.20M	921.97M	632.64M	544.77M	599.00M
Total Debt	2.91B	3.11B	2.63B	2.52B	2.59B
Total Liabilities	6.66B	6.84B	6.38B	5.90B	6.13B
Stockholders Equity	1.29B	1.25B	1.27B	1.20B	1.13B
Cash Flow
Free Cash Flow	250.34M	179.57M	231.65M	164.64M	219.23M
Operating Cash Flow	260.64M	188.53M	243.42M	174.61M	233.26M
Investing Cash Flow	-112.57M	-233.44M	-471.87M	34.45M	229.13M
Financing Cash Flow	-288.63M	352.89M	297.64M	-258.63M	-405.12M

Cembra Money Bank AG Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 91.20
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CH:CMBN, the sentiment is Negative. The current price of 91.2 is below the 20-day moving average (MA) of 91.72, below the 50-day MA of 96.32, and below the 200-day MA of 91.24, indicating a neutral trend. The MACD of -1.17 indicates Negative momentum. The RSI at 39.40 is Neutral, neither overbought nor oversold. The STOCH value of 62.44 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CH:CMBN.

Cembra Money Bank AG Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CMBN	70 Outperform	CHF2.72B	15.13	14.60%	4.66%	3.32%	11.19%
Sector *	68 Neutral	$17.89B	12.03	10.28%	3.73%	9.80%	1.66%
0QM2	―	CHF2.37B	13.11	7.71%	4.05%	―	―
0RE6	―	CHF1.99B	23.42	5.30%	2.96%	―	―
0QPU	―	CHF2.10B	13.69	5.80%	4.38%	―	―
1Y61	―	€2.69B	18.75	8.80%	―	―	―
LLBN	―	CHF2.56B	15.15		3.39%	―	―

Cembra Money Bank AG Corporate Events

Cembra Shareholders Approve Board Proposals and Dividend Increase

Cembra Money Bank AG held its 2025 General Meeting in Zurich, where shareholders approved all proposals from the Board of Directors, including re-election of board members and the election of Wanda Eriksen. A dividend increase to CHF 4.25 per share was approved, reflecting a 6% rise from the previous year. The meeting also saw approval of the 2024 annual and compensation reports, as well as amendments to the articles of association, indicating strong shareholder support and potentially enhancing Cembra’s market position.

Cembra Announces AGM Agenda and Publishes 2024 Annual Report

Cembra Money Bank AG has announced the agenda for its Annual General Meeting 2025, which includes the proposal of Wanda Eriksen as a new board member, replacing Monica Mächler due to a statutory term limit. The bank also released its Annual Report 2024, highlighting its continued focus on sustainability and operational resilience, which are expected to strengthen its market position and stakeholder confidence.