CMBN Stock Overview
Cembra Money Bank AG provides consumer finance products and services in Switzerland.
Cembra Money Bank Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||CHF70.05|
|52 Week High||CHF106.50|
|52 Week Low||CHF52.65|
|1 Month Change||2.41%|
|3 Month Change||5.82%|
|1 Year Change||-34.16%|
|3 Year Change||-25.60%|
|5 Year Change||-22.77%|
|Change since IPO||27.36%|
Recent News & Updates
|CMBN||CH Consumer Finance||CH Market|
Return vs Industry: CMBN exceeded the Swiss Consumer Finance industry which returned -40.3% over the past year.
Return vs Market: CMBN underperformed the Swiss Market which returned -15% over the past year.
|CMBN Average Weekly Movement||3.8%|
|Consumer Finance Industry Average Movement||5.9%|
|Market Average Movement||4.5%|
|10% most volatile stocks in CH Market||7.6%|
|10% least volatile stocks in CH Market||2.4%|
Stable Share Price: CMBN is not significantly more volatile than the rest of Swiss stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: CMBN's weekly volatility (4%) has been stable over the past year.
About the Company
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.
Cembra Money Bank Fundamentals Summary
|CMBN fundamental statistics|
Is CMBN overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CMBN income statement (TTM)|
|Cost of Revenue||CHF0|
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
Jul 21, 2022
|Earnings per share (EPS)||5.50|
|Net Profit Margin||36.15%|
How did CMBN perform over the long term?See historical performance and comparison
5.5%Current Dividend Yield
Is CMBN undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for CMBN?
Other financial metrics that can be useful for relative valuation.
|What is CMBN's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does CMBN's PE Ratio compare to its peers?
|CMBN PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
Price-To-Earnings vs Peers: CMBN is expensive based on its Price-To-Earnings Ratio (12.7x) compared to the peer average (12.2x).
Price to Earnings Ratio vs Industry
How does CMBN's PE Ratio compare vs other companies in the Consumer Finance Industry?
Price-To-Earnings vs Industry: CMBN is expensive based on its Price-To-Earnings Ratio (12.7x) compared to the European Consumer Finance industry average (9.8x)
Price to Earnings Ratio vs Fair Ratio
What is CMBN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||12.7x|
|Fair PE Ratio||12.5x|
Price-To-Earnings vs Fair Ratio: CMBN is expensive based on its Price-To-Earnings Ratio (12.7x) compared to the estimated Fair Price-To-Earnings Ratio (12.5x).
Share Price vs Fair Value
What is the Fair Price of CMBN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: CMBN (CHF70.05) is trading below our estimate of fair value (CHF97.18)
Significantly Below Fair Value: CMBN is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: CMBN is poor value based on its PEG Ratio (2.7x)
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How is Cembra Money Bank forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CMBN's forecast earnings growth (4.7% per year) is above the savings rate (-0.3%).
Earnings vs Market: CMBN's earnings (4.7% per year) are forecast to grow slower than the Swiss market (6.3% per year).
High Growth Earnings: CMBN's earnings are forecast to grow, but not significantly.
Revenue vs Market: CMBN's revenue (3.8% per year) is forecast to grow slower than the Swiss market (4.3% per year).
High Growth Revenue: CMBN's revenue (3.8% 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 (13.2%).
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How has Cembra Money Bank performed over the past 5 years?
Past Performance Score3/6
Past Performance Score 3/6
Growing Profit Margin
Earnings vs Industry
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 (36.1%) are higher than last year (34.7%).
Past Earnings Growth Analysis
Earnings Trend: CMBN's earnings have grown by 2.2% per year over the past 5 years.
Accelerating Growth: CMBN's earnings growth over the past year (5.6%) exceeds its 5-year average (2.2% per year).
Earnings vs Industry: CMBN earnings growth over the past year (5.6%) underperformed the Consumer Finance industry 25%.
Return on Equity
High ROE: CMBN's Return on Equity (13.5%) is considered low.
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How is Cembra Money Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: CMBN's Assets to Equity ratio (5.9x) is low.
Allowance for Bad Loans: CMBN has a sufficient allowance for bad loans (249%).
Low Risk Liabilities: 54% 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 (87%).
Low Risk Deposits: CMBN's Loans to Deposits ratio (194%) is high.
Level of Bad Loans: CMBN has an appropriate level of bad loans (0.5%).
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What is Cembra Money Bank current dividend yield, its reliability and sustainability?
Dividend Score 4/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: CMBN's dividend (5.5%) is higher than the bottom 25% of dividend payers in the Swiss market (2.06%).
High Dividend: CMBN's dividend (5.5%) is in the top 25% of dividend payers in the Swiss market (4.14%)
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 8 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonable payout ratio (70%), 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 (70.5% payout ratio).
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Holger Laubenthal (49 yo)
Mr. Holger Laubenthal is a Member of Advisory Board at Crypto 1 Acquisition Corp. He has been the Chief Executive Officer and Member of Management Board of Cembra Money Bank AG since March 1, 2021. He serv...
CEO Compensation Analysis
Compensation vs Market: Holger's total compensation ($USD1.38M) is about average for companies of similar size in the Swiss market ($USD1.35M).
Compensation vs Earnings: Insufficient data to compare Holger's compensation with company performance.
Experienced Management: CMBN's management team is considered experienced (3.8 years average tenure).
Experienced Board: CMBN's board of directors are not considered experienced ( 1.2 years average tenure), which suggests a new board.
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 employee growth, exchange listings and data sources
- Name: Cembra Money Bank AG
- Ticker: CMBN
- Exchange: SWX
- Founded: 1912
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: CHF2.058b
- Shares outstanding: 29.39m
- Website: https://www.cembra.ch
Number of Employees
- Cembra Money Bank AG
- Bändliweg 20
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/06/24 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.