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STOCKS

Cembra Money Bank AG (GB:0QPJ)

LSE:0QPJ

0QPJ

Cembra Money Bank AG

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Cembra Money Bank AG (0QPJ) Ratios

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Cembra Money Bank AG Ratios

GB:0QPJ's free cash flow for Q2 2025 was CHF1.00. For the 2025 fiscal year, GB:0QPJ's free cash flow was decreased by CHF and operating cash flow was CHF0.46. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.23	1.13	0.85	0.91
Quick Ratio	0.00	0.23	1.13	1.64	1.72
Cash Ratio	0.00	0.23	1.13	0.77	0.80
Solvency Ratio	0.03	0.03	0.03	0.03	0.03
Operating Cash Flow Ratio	0.00	0.07	0.23	0.30	0.25
Short-Term Operating Cash Flow Coverage	0.24	0.64	0.41	0.53	0.49
Net Current Asset Value	CHF -6.67B	CHF -5.86B	CHF -5.92B	CHF -5.68B	CHF -5.28B
Leverage Ratios
Debt-to-Assets Ratio	0.27	0.37	0.38	0.34	0.35
Debt-to-Equity Ratio	1.69	2.26	2.49	2.07	2.10
Debt-to-Capital Ratio	0.63	0.69	0.71	0.67	0.68
Long-Term Debt-to-Capital Ratio	0.63	0.69	0.68	0.63	0.64
Financial Leverage Ratio	6.35	6.19	6.47	6.01	5.92
Debt Service Coverage Ratio	0.27	-0.08	0.35	0.41	0.50
Interest Coverage Ratio	0.00	2.72	2.62	13.43	15.08
Debt to Market Cap	1.02	1.38	1.61	1.16	1.28
Interest Debt Per Share	71.53	102.78	108.69	90.23	86.09
Net Debt to EBITDA	6.09	0.00	9.80	8.46	8.74
Profitability Margins
Gross Profit Margin	81.56%	100.00%	128.73%	100.00%	100.00%
EBIT Margin	39.03%	-4.87%	42.76%	39.10%	39.08%
EBITDA Margin	39.03%	0.00%	48.75%	43.93%	43.96%
Operating Profit Margin	39.03%	51.94%	42.76%	39.10%	39.08%
Pretax Profit Margin	39.03%	38.47%	42.76%	39.10%	39.08%
Net Profit Margin	31.42%	30.96%	34.45%	31.45%	31.48%
Continuous Operations Profit Margin	31.42%	30.96%	34.45%	31.45%	31.48%
Net Income Per EBT	80.48%	80.46%	80.56%	80.44%	80.55%
EBT Per EBIT	100.00%	74.07%	100.00%	100.00%	100.00%
Return on Assets (ROA)	2.26%	2.14%	1.95%	2.21%	2.27%
Return on Equity (ROE)	14.16%	13.26%	12.65%	13.28%	13.45%
Return on Capital Employed (ROCE)	2.81%	6.46%	2.70%	3.08%	3.12%
Return on Invested Capital (ROIC)	2.09%	4.76%	2.05%	2.32%	2.38%
Return on Tangible Assets	2.33%	2.20%	2.01%	2.35%	2.40%
Earnings Yield	6.64%	7.08%	8.21%	7.50%	8.27%
Efficiency Ratios
Receivables Turnover	0.00	45.46	33.38	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	46.68	11.76	8.36	21.30	17.78
Asset Turnover	0.07	0.07	0.06	0.07	0.07
Working Capital Turnover Ratio	-0.42	-0.42	-69.77	-5.95	-22.75
Cash Conversion Cycle	0.00	8.03	10.94	0.00	0.00
Days of Sales Outstanding	0.00	8.03	10.94	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	8.03	10.94	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	5.45	8.88	6.43	8.29	5.94
Free Cash Flow Per Share	5.17	8.53	6.12	7.89	5.60
CapEx Per Share	0.27	0.35	0.31	0.40	0.34
Free Cash Flow to Operating Cash Flow	0.95	0.96	0.95	0.95	0.94
Dividend Paid and CapEx Coverage Ratio	1.21	2.04	1.51	1.95	1.45
Capital Expenditure Coverage Ratio	19.98	25.31	21.03	20.68	17.52
Operating Cash Flow Coverage Ratio	0.08	0.09	0.06	0.09	0.07
Operating Cash Flow to Sales Ratio	0.28	0.47	0.41	0.45	0.34
Free Cash Flow Yield	5.64%	10.41%	9.33%	10.26%	8.43%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	15.06	14.12	12.18	13.33	12.09
Price-to-Sales (P/S) Ratio	4.72	4.37	4.20	4.19	3.81
Price-to-Book (P/B) Ratio	2.17	1.87	1.54	1.77	1.63
Price-to-Free Cash Flow (P/FCF) Ratio	17.73	9.61	10.72	9.74	11.86
Price-to-Operating Cash Flow Ratio	16.89	9.23	10.21	9.27	11.18
Price-to-Earnings Growth (PEG) Ratio	2.92	1.81	-1.85	2.72	2.17
Price-to-Fair Value	2.17	1.87	1.54	1.77	1.63
Enterprise Value Multiple	18.19	0.00	18.40	18.01	17.40
Enterprise Value	4.05B	4.52B	4.12B	4.26B	3.92B
EV to EBITDA	18.19	0.00	18.40	18.01	17.40
EV to Sales	7.10	8.22	8.97	7.91	7.65
EV to Free Cash Flow	26.67	18.07	22.92	18.38	23.83
EV to Operating Cash Flow	25.33	17.35	21.83	17.49	22.47
Tangible Book Value Per Share	34.64	36.84	35.23	27.85	27.79
Shareholders’ Equity Per Share	42.44	43.80	42.60	43.42	40.86
Tax and Other Ratios
Effective Tax Rate	0.20	0.20	0.19	0.20	0.19
Revenue Per Share	19.43	18.76	15.64	18.34	17.46
Net Income Per Share	6.10	5.81	5.39	5.77	5.50
Tax Burden	0.80	0.80	0.81	0.80	0.81
Interest Burden	1.00	-7.89	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.20	0.16	0.18	0.18	0.19
Stock-Based Compensation to Revenue	0.00	0.00	<0.01	<0.01	<0.01
Income Quality	0.89	1.53	1.19	1.44	1.08

Currency in CHF