Cembra Money Bank Past Earnings Performance
Past criteria checks 4/6
Cembra Money Bank has been growing earnings at an average annual rate of 0.8%, while the Consumer Finance industry saw earnings growing at 17.7% annually. Revenues have been growing at an average rate of 1.9% per year. Cembra Money Bank's return on equity is 13.3%, and it has net margins of 34.8%.
Key information
0.8%
Earnings growth rate
0.4%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | 1.9% |
| Return on equity | 13.3% |
| Net Margin | 34.8% |
| Next Earnings Update | 20 Feb 2025 |
Recent past performance updates
Recent updates
Cembra Money Bank's (VTX:CMBN) Upcoming Dividend Will Be Larger Than Last Year's
Feb 27
Cembra Money Bank (VTX:CMBN) Ticks All The Boxes When It Comes To Earnings Growth
Feb 10Cembra Money Bank (VTX:CMBN) Has Announced That It Will Be Increasing Its Dividend To CHF3.85
Feb 19Should You Or Shouldn't You: A Dividend Analysis on Cembra Money Bank AG (VTX:CMBN)
Feb 21Cembra Money Bank (VTX:CMBN) Has Gifted Shareholders With A Fantastic 109% Total Return On Their Investment
Jan 18What You Need To Know About Cembra Money Bank AG's (VTX:CMBN) Investor Composition
Dec 13Revenue & Expenses Breakdown
How Cembra Money Bank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Jun 24 | 464 | 161 | 263 | 0 |
| 31 Mar 24 | 461 | 160 | 263 | 0 |
| 31 Dec 23 | 459 | 158 | 263 | 0 |
| 30 Sep 23 | 460 | 156 | 266 | 0 |
| 30 Jun 23 | 461 | 154 | 270 | 0 |
| 31 Mar 23 | 464 | 162 | 264 | 0 |
| 31 Dec 22 | 468 | 169 | 257 | 0 |
| 30 Sep 22 | 464 | 171 | 251 | 0 |
| 30 Jun 22 | 460 | 173 | 244 | 0 |
| 31 Mar 22 | 453 | 167 | 245 | 0 |
| 31 Dec 21 | 447 | 161 | 246 | 0 |
| 30 Sep 21 | 445 | 160 | 246 | 0 |
| 30 Jun 21 | 443 | 158 | 246 | 0 |
| 31 Mar 21 | 442 | 155 | 247 | 0 |
| 31 Dec 20 | 441 | 153 | 247 | 0 |
| 30 Sep 20 | 446 | 154 | 250 | 0 |
| 30 Jun 20 | 450 | 155 | 253 | 0 |
| 31 Mar 20 | 442 | 157 | 243 | 0 |
| 31 Dec 19 | 435 | 159 | 232 | 0 |
| 30 Sep 19 | 419 | 157 | 219 | 0 |
| 30 Jun 19 | 403 | 155 | 206 | 0 |
| 31 Mar 19 | 396 | 155 | 200 | 0 |
| 31 Dec 18 | 389 | 154 | 193 | 0 |
| 30 Sep 18 | 379 | 153 | 184 | 0 |
| 30 Jun 18 | 369 | 153 | 175 | 0 |
| 31 Mar 18 | 360 | 149 | 172 | 0 |
| 31 Dec 17 | 351 | 144 | 168 | 0 |
| 30 Sep 17 | 348 | 143 | 167 | 0 |
| 30 Jun 17 | 345 | 141 | 166 | 0 |
| 31 Mar 17 | 347 | 142 | 166 | 0 |
| 31 Dec 16 | 349 | 144 | 167 | 0 |
| 30 Sep 16 | 350 | 145 | 166 | 0 |
| 30 Jun 16 | 351 | 147 | 164 | 0 |
| 31 Mar 16 | 348 | 146 | 163 | 0 |
| 31 Dec 15 | 345 | 145 | 161 | 0 |
| 30 Sep 15 | 344 | 145 | 161 | 0 |
| 30 Jun 15 | 343 | 145 | 160 | 0 |
| 31 Mar 15 | 341 | 142 | 161 | 0 |
| 31 Dec 14 | 339 | 140 | 161 | 0 |
| 30 Sep 14 | 330 | 125 | 160 | 0 |
| 30 Jun 14 | 321 | 110 | 159 | 0 |
| 31 Mar 14 | 334 | 121 | 157 | 0 |
| 31 Dec 13 | 348 | 133 | 156 | 0 |
Quality Earnings: CMBN has high quality earnings.
Growing Profit Margin: CMBN's current net profit margins (34.8%) are higher than last year (33.4%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CMBN's earnings have grown by 0.8% per year over the past 5 years.
Accelerating Growth: CMBN's earnings growth over the past year (4.9%) exceeds its 5-year average (0.8% per year).
Earnings vs Industry: CMBN earnings growth over the past year (4.9%) did not outperform the Consumer Finance industry 7.3%.
Return on Equity
High ROE: CMBN's Return on Equity (13.3%) is considered low.