Cembra Money Bank AG

SWX:CMBN Stock Report

Market Cap: CHF 2.3b

Cembra Money Bank Valuation

Is CMBN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

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 (CHF79.2) is trading below our estimate of fair value (CHF112.92)

Significantly Below Fair Value: CMBN is trading below fair value by more than 20%.

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.

CMBN key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio1.5x

Price to Earnings Ratio vs Peers

How does CMBN's PE Ratio compare to its peers?

The above table shows the PE ratio for CMBN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average14.1x
VONN Vontobel Holding
14.9x18.3%CHF 3.2b
EFGN EFG International
11.9x5.4%CHF 3.6b
CFT Compagnie Financière Tradition
11.9xn/aCHF 1.2b
SQN Swissquote Group Holding
17.7x12.6%CHF 4.5b
CMBN Cembra Money Bank
14.4x9.8%CHF 2.3b

Price-To-Earnings vs Peers: CMBN is expensive based on its Price-To-Earnings Ratio (14.4x) compared to the peer average (14.1x).

Price to Earnings Ratio vs Industry

How does CMBN's PE Ratio compare vs other companies in the European Consumer Finance Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a22.2%
 n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a22.2%
 n/an/an/a
No more companies

Price-To-Earnings vs Industry: CMBN is expensive based on its Price-To-Earnings Ratio (14.4x) compared to the European Consumer Finance industry average (8.7x).

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.

CMBN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio14.4x
Fair PE Ratio18.9x

Price-To-Earnings vs Fair Ratio: CMBN is good value based on its Price-To-Earnings Ratio (14.4x) compared to the estimated Fair Price-To-Earnings Ratio (18.9x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst CMBN forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentCHF 79.55
CHF 75.50
-5.1%
2.0%CHF 77.00CHF 74.00n/a2
Oct ’25CHF 77.80
CHF 75.50
-3.0%
2.0%CHF 77.00CHF 74.00n/a2
Sep ’25CHF 78.40
CHF 75.50
-3.7%
2.0%CHF 77.00CHF 74.00n/a2
Aug ’25CHF 76.75
CHF 75.50
-1.6%
2.0%CHF 77.00CHF 74.00n/a2
Jul ’25CHF 77.20
CHF 73.00
-5.4%
5.5%CHF 77.00CHF 69.00n/a2
Jun ’25CHF 73.10
CHF 73.00
-0.1%
5.5%CHF 77.00CHF 69.00n/a2
May ’25CHF 70.40
CHF 73.00
+3.7%
5.5%CHF 77.00CHF 69.00n/a2
Apr ’25CHF 75.50
CHF 73.00
-3.3%
5.5%CHF 77.00CHF 69.00n/a2
Mar ’25CHF 75.15
CHF 73.00
-2.9%
5.5%CHF 77.00CHF 69.00n/a2
Feb ’25CHF 66.55
CHF 71.50
+7.4%
3.5%CHF 74.00CHF 69.00n/a2
Jan ’25CHF 65.60
CHF 71.50
+9.0%
3.5%CHF 74.00CHF 69.00n/a2
Dec ’24CHF 64.75
CHF 73.00
+12.7%
1.4%CHF 74.00CHF 72.00n/a2
Nov ’24CHF 63.10
CHF 73.00
+15.7%
1.4%CHF 74.00CHF 72.00n/a2
Oct ’24CHF 62.30
CHF 73.00
+17.2%
1.4%CHF 74.00CHF 72.00CHF 77.802
Sep ’24CHF 64.00
CHF 73.00
+14.1%
1.4%CHF 74.00CHF 72.00CHF 78.402
Aug ’24CHF 66.00
CHF 78.67
+19.2%
10.2%CHF 90.00CHF 72.00CHF 76.753
Jul ’24CHF 74.20
CHF 82.00
+10.5%
9.8%CHF 93.00CHF 74.00CHF 77.203
Jun ’24CHF 68.20
CHF 82.00
+20.2%
9.8%CHF 93.00CHF 74.00CHF 73.103
May ’24CHF 71.45
CHF 82.00
+14.8%
9.8%CHF 93.00CHF 74.00CHF 70.403
Apr ’24CHF 71.85
CHF 82.00
+14.1%
9.8%CHF 93.00CHF 74.00CHF 75.503
Mar ’24CHF 76.90
CHF 79.00
+2.7%
12.7%CHF 93.00CHF 70.00CHF 75.153
Feb ’24CHF 80.90
CHF 77.67
-4.0%
13.1%CHF 92.00CHF 70.00CHF 66.553
Jan ’24CHF 76.90
CHF 77.67
+1.0%
13.1%CHF 92.00CHF 70.00CHF 65.603
Dec ’23CHF 72.90
CHF 77.67
+6.5%
13.1%CHF 92.00CHF 70.00CHF 64.753
Nov ’23CHF 72.25
CHF 77.67
+7.5%
13.1%CHF 92.00CHF 70.00CHF 63.103
Oct ’23CHF 70.50
CHF 77.67
+10.2%
13.1%CHF 92.00CHF 70.00CHF 62.303

Analyst Forecast: Target price is lower than the current share price.

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