Cembra Money Bank AG provides consumer finance products and services in Switzerland.
Excellent balance sheet with moderate growth potential.
Share Price & News
How has Cembra Money Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CMBN has not had significant price volatility in the past 3 months.
7 Day Return
CH Consumer Finance
1 Year Return
CH Consumer Finance
Return vs Industry: CMBN exceeded the Swiss Consumer Finance industry which returned -30.9% over the past year.
Return vs Market: CMBN exceeded the Swiss Market which returned 1% over the past year.
Price Volatility Vs. Market
How volatile is Cembra Money Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 day ago | Simply Wall StIs Cembra Money Bank AG (VTX:CMBN) A Smart Pick For Income Investors?
4 weeks ago | Simply Wall StCembra Money Bank (VTX:CMBN) Has Gifted Shareholders With A Fantastic 103% Total Return On Their Investment
1 month ago | Simply Wall StHow Should Investors Feel About Cembra Money Bank AG's (VTX:CMBN) CEO Pay?
Is Cembra Money Bank undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CMBN (CHF99.7) is trading above our estimate of fair value (CHF83.37)
Significantly Below Fair Value: CMBN is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CMBN is poor value based on its PE Ratio (18.9x) compared to the XE Consumer Finance industry average (6.7x).
PE vs Market: CMBN is good value based on its PE Ratio (18.9x) compared to the Swiss market (20.4x).
Price to Earnings Growth Ratio
PEG Ratio: CMBN is poor value based on its PEG Ratio (1.7x)
Price to Book Ratio
PB vs Industry: CMBN is overvalued based on its PB Ratio (2.8x) compared to the XE Consumer Finance industry average (1x).
How is Cembra Money Bank forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CMBN's forecast earnings growth (11% per year) is above the savings rate (-0.2%).
Earnings vs Market: CMBN's earnings (11% per year) are forecast to grow faster than the Swiss market (9% per year).
High Growth Earnings: CMBN's earnings are forecast to grow, but not significantly.
Revenue vs Market: CMBN's revenue (5.5% per year) is forecast to grow faster than the Swiss market (3.7% per year).
High Growth Revenue: CMBN's revenue (5.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CMBN's Return on Equity is forecast to be low in 3 years time (15.3%).
How has Cembra Money Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CMBN has a high level of non-cash earnings.
Growing Profit Margin: CMBN's current net profit margins (34.4%) are lower than last year (38.4%).
Past Earnings Growth Analysis
Earnings Trend: CMBN's earnings have grown by 2.1% per year over the past 5 years.
Accelerating Growth: CMBN's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CMBN had negative earnings growth (-0.2%) over the past year, making it difficult to compare to the Consumer Finance industry average (3.1%).
Return on Equity
High ROE: CMBN's Return on Equity (14.7%) is considered low.
How is Cembra Money Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CMBN's Assets to Equity ratio (6.9x) is low.
Allowance for Bad Loans: CMBN has a sufficient allowance for bad loans (197%).
Low Risk Liabilities: 55% of CMBN's liabilities are made up of primarily low risk sources of funding.
Loan Level: CMBN has an appropriate level of Loans to Assets ratio (88%).
Low Risk Deposits: CMBN's Loans to Deposits ratio (187%) is high.
Level of Bad Loans: CMBN has an appropriate level of bad loans (0.6%).
What is Cembra Money Bank current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CMBN's dividend (3.76%) is higher than the bottom 25% of dividend payers in the Swiss market (1.82%).
High Dividend: CMBN's dividend (3.76%) is low compared to the top 25% of dividend payers in the Swiss market (3.89%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, CMBN has been paying a dividend for less than 10 years.
Growing Dividend: CMBN's dividend payments have increased, but the company has only paid a dividend for 6 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonable payout ratio (71.2%), CMBN's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: CMBN's dividends in 3 years are forecast to be covered by earnings (65.6% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Robert Oudmayer (58 yo)
Mr. Robert Oudmayer has been the Chief Executive Officer and Member of The Management Board at Cembra Money Bank AG (formerly GE Money Bank AG) since 2009. Mr. Oudmayer served as the Chief Executive Office ...
CEO Compensation Analysis
Compensation vs Market: Robert's total compensation ($USD1.95M) is about average for companies of similar size in the Swiss market ($USD1.94M).
Compensation vs Earnings: Robert's compensation has been consistent with company performance over the past year.
|CEO & Member of Management Board||11.25yrs||CHF1.78m||0.037% |
|CFO & Member of Management Board||1.83yrs||no data||no data|
|MD of B2C & Member of the Management Board||23.58yrs||no data||0.015% |
|General Counsel||5.92yrs||no data||0.0074% |
|Chief Risk Officer & Member of Management Board||7.58yrs||no data||0.014% |
|COO & Member of Management Board||2yrs||no data||no data|
|MD of B2B & Member of Management Board||1.67yrs||no data||no data|
|Senior Legal Counsel & Corporate Secretary||no data||no data||no data|
Experienced Management: CMBN's management team is seasoned and experienced (5.9 years average tenure).
|Independent Chairman of the Board||7yrs||CHF475.66k||0.025% |
|Director||0.33yr||no data||no data|
|Independent Director||5.33yrs||CHF144.57k||no data|
|Independent Vice Chairman of the Board||0.58yr||CHF175.17k||no data|
|Independent Director||6.25yrs||CHF160.63k||0.025% |
|Independent Director||6.92yrs||CHF142.42k||no data|
|Independent Director||4.33yrs||CHF137.03k||no data|
Experienced Board: CMBN's board of directors are considered experienced (5.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Cembra Money Bank AG's company bio, employee growth, exchange listings and data sources
- Name: Cembra Money Bank AG
- Ticker: CMBN
- Exchange: SWX
- Founded: 1912
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: CHF2.928b
- Shares outstanding: 29.37m
- Website: https://www.cembra.ch
Number of Employees
- Cembra Money Bank AG
- Bändliweg 20
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|CMBN||SWX (SIX Swiss Exchange)||Yes||Common Shares||CH||CHF||Oct 2013|
|GEH||DB (Deutsche Boerse AG)||Yes||Common Shares||DE||EUR||Oct 2013|
|0QPJ||LSE (London Stock Exchange)||Yes||Common Shares||GB||CHF||Oct 2013|
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 loans, cons ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/08/02 20:56|
|End of Day Share Price||2020/07/31 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.