CMBN Stock Analysis: Cembra Money Bank | SW
Banks - Regional | SW, Switzerland | Market Cap: 2.554m CHF | 12M Return: -2% | CH0225173167 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.54M
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Cembra Money Bank AG is a Swiss consumer finance provider headquartered in Zurich, offering a range of lending, leasing, payment, and insurance products. The company serves private individuals, self-employed persons, and small enterprises, operating through branches, online channels, credit card partners, independent intermediaries, and car dealers. As a regional bank under the GICS classification, it is focused on retail-oriented financial services rather than large-scale corporate or investment banking.
Its product portfolio includes savings and deposit products, cash and personal loans, auto loans and leasing for new and used vehicles (cars, light commercial vehicles, motorcycles, and caravans), credit cards, invoice financing, mobile payment, and online banking services. The consumer finance business model typically relies on higher-margin retail lending, supported by cross-selling of insurance and payment products to an established customer base.
The company also distributes financial protection products covering involuntary unemployment, accident, illness, disability, travel, cyber, card protection, and car insurance, alongside investment securities such as debt instruments. Originally founded in 1912 and formerly known as GE Money Bank Aktiengesellschaft, the company adopted its current name in October 2013.
- SNB rate cuts compress net interest margins
- Auto leasing portfolio growth drives revenue expansion
- Rising Swiss consumer loan defaults pressure credit provisions
| Net Income: 185.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.03 > 0.02 and ΔFCF/TA 1.44 > 1.0 |
| NWC/Revenue: -490.7% < 20% (prev -526.0%; Δ 35.31% < -1%) |
| CFO/TA 0.04 > 3% & CFO 274.4m > Net Income 185.1m |
| Net Debt (2.22b) to EBITDA (251.3m): 8.85 < 3 |
| Current Ratio: 0.14 > 1.5 & < 3 |
| Outstanding Shares: last quarter (29.3m) vs 12m ago -0.27% < -2% |
| Gross Margin: 73.81% > 18% (prev 81.56%; Δ -7.74% > 0.5%) |
| Asset Turnover: 8.01% > 50% (prev 7.21%; Δ 0.81% > 0%) |
| Interest Coverage Ratio: 2.67 > 6 (EBIT TTM 229.5m / Interest Expense TTM 86.1m) |
| A: -0.40 (Total Current Assets 506.5m - Total Current Liabilities 3.59b) / Total Assets 7.76b |
| B: 0.13 (Retained Earnings 1.03b / Total Assets 7.76b) |
| C: 0.03 (EBIT TTM 229.5m / Avg Total Assets 7.84b) |
| D: 0.20 (Book Value of Equity 1.27b / Total Liabilities 6.49b) |
| Altman-Z'' = -1.77 = D |
As of August 22, 2026, the stock is trading at CHF 87.00 with a total of 118,879 shares traded. Over the past week, the price has changed by +1.75%, over one month by -3.49%, over three months by -9.33% and over the past year by -1.95%.
Current recommended Stop Loss: 85.00 (which is 2.3% or 1.3 ATR below the current price).
Cembra Money Bank has no consensus analysts rating.
P/E Trailing = 13.6146
P/E Forward = 11.8343
P/S = 5.5084
P/B = 1.999
Revenue TTM = 628.3m CHF
EBIT TTM = 229.5m CHF
EBITDA TTM = 251.3m CHF
Long Term Debt = 1.95b CHF (from longTermDebt, last fiscal year)
Short Term Debt = 674.6m CHF (from shortTermDebt, last quarter)
Debt = 2.73b CHF (from shortLongTermDebtTotal, last quarter)
Net Debt = 2.22b CHF (calculated: Debt 2.73b - CCE 506.5m)
Enterprise Value = 4.78b CHF (2.55b + Debt 2.73b - CCE 506.5m)
Interest Coverage Ratio = 2.67 (Ebit TTM 229.5m / Interest Expense TTM 86.1m)
EV/FCF = 18.31x (Enterprise Value 4.78b / FCF TTM 260.9m)
FCF Yield = 5.46% (FCF TTM 260.9m / Enterprise Value 4.78b)
FCF Margin = 41.53% (FCF TTM 260.9m / Revenue TTM 628.3m)
Net Margin = 29.46% (Net Income TTM 185.1m / Revenue TTM 628.3m)
Gross Margin = 73.81% ((Revenue TTM 628.3m - Cost of Revenue TTM 164.5m) / Revenue TTM)
Gross Margin QoQ = 74.98% (prev 72.69%)
Tobins Q-Ratio = 0.62 (Enterprise Value 4.78b / Total Assets 7.76b)
Interest Expense / Debt = 3.15% (Interest Expense 86.1m / Debt 2.73b)
Taxrate = 19.55% (44.9m / 229.5m)
NOPAT = 184.6m (EBIT 229.5m * (1 - 19.55%))
Current Ratio = 0.14 (Total Current Assets 506.5m / Total Current Liabilities 3.59b)
Debt / Equity = 2.14 (Debt 2.73b / totalStockholderEquity, last quarter 1.27b)
Debt / EBITDA = 8.85 (Net Debt 2.22b / EBITDA 251.3m)
Debt / FCF = 8.52 (Net Debt 2.22b / FCF TTM 260.9m)
Total Stockholder Equity = 1.29b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.36% (Net Income 185.1m / Total Assets 7.76b)
RoE = 14.37% (Net Income TTM 185.1m / Total Stockholder Equity 1.29b)
RoCE = 7.09% (EBIT 229.5m / Capital Employed (Equity 1.29b + L.T.Debt 1.95b))
RoIC = 2.39% (NOPAT 184.6m / Invested Capital 7.73b)
WACC = 4.14% (E(2.55b)/V(5.28b) * Re(5.86%) + D(2.73b)/V(5.28b) * Rd(3.15%) * (1-Tc(0.20)))
Discount Rate = 5.86% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 33.93 | Cagr: -0.14%
[DCF] Terminal Value 77.97% ; FCFF base≈217.3m ; Y1≈249.1m ; Y5≈366.6m
[DCF] Fair Price = 110.3 (EV 5.52b - Net Debt 2.22b = Equity 3.29b / Shares 29.9m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: -93.39 | EPS CAGR: -23.56% | SUE: -0.12 | # QB: 0
Revenue Correlation: 40.85 | Revenue CAGR: 2.32% | SUE: N/A | # QB: 0
EPS current Year (2026-12-31): EPS=7.00 | Chg30d=+1.55% | Revisions=-25% | GrowthEPS=+14.6% | GrowthRev=+1.8%
EPS next Year (2027-12-31): EPS=7.15 | Chg30d=-1.03% | Revisions=+0% | GrowthEPS=+2.2% | GrowthRev=+1.6%
[Analyst] Revisions Ratio: -17% (up=1, down=2)