Cembra Money Bank AG provides consumer finance products and services in Switzerland.
Second-rate dividend payer with questionable track record.
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: 0QPJ's share price has been volatile over the past 3 months.
7 Day Return
GB Consumer Finance
1 Year Return
GB Consumer Finance
Return vs Industry: 0QPJ exceeded the UK Consumer Finance industry which returned -68.5% over the past year.
Return vs Market: 0QPJ exceeded the UK Market which returned -22.7% 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
No news available
Is Cembra Money Bank undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 0QPJ (CHF87.35) is trading below our estimate of fair value (CHF98.7)
Significantly Below Fair Value: 0QPJ is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: 0QPJ is poor value based on its PE Ratio (15.8x) compared to the Consumer Finance industry average (5.8x).
PE vs Market: 0QPJ is poor value based on its PE Ratio (15.8x) compared to the UK market (12.5x).
Price to Earnings Growth Ratio
PEG Ratio: 0QPJ is poor value based on its PEG Ratio (1.7x)
Price to Book Ratio
PB vs Industry: 0QPJ is overvalued based on its PB Ratio (2.4x) compared to the GB Consumer Finance industry average (0.7x).
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: 0QPJ's forecast earnings growth (9.4% per year) is above the savings rate (0.5%).
Earnings vs Market: 0QPJ's earnings (9.4% per year) are forecast to grow slower than the UK market (15.4% per year).
High Growth Earnings: 0QPJ's earnings are forecast to grow, but not significantly.
Revenue vs Market: 0QPJ's revenue (8.6% per year) is forecast to grow faster than the UK market (2.6% per year).
High Growth Revenue: 0QPJ's revenue (8.6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 0QPJ's Return on Equity is forecast to be low in 3 years time (16.4%).
How has Cembra Money Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 0QPJ has a high level of non-cash earnings.
Growing Profit Margin: 0QPJ's current net profit margins (36.6%) are lower than last year (39.6%).
Past Earnings Growth Analysis
Earnings Trend: 0QPJ's earnings have grown by 2.1% per year over the past 5 years.
Accelerating Growth: 0QPJ's earnings growth over the past year (3.3%) exceeds its 5-year average (2.1% per year).
Earnings vs Industry: 0QPJ earnings growth over the past year (3.3%) underperformed the Consumer Finance industry 12.7%.
Return on Equity
High ROE: 0QPJ's Return on Equity (14.6%) 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
Inventory Level: 0QPJ has a low level of unsold assets or inventory.
Debt Coverage by Assets: 0QPJ's debt is not covered by short term assets (assets are 0.2x debt).
Financial Institutions Analysis
Asset Level: 0QPJ's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if 0QPJ has a sufficient allowance for bad loans.
Low Risk Liabilities: 0QPJ reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if 0QPJ has an acceptable proportion of non-loan assets held.
Low Risk Deposits: 0QPJ has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if 0QPJ has an appropriate level of bad loans.
What is Cembra Money Bank's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: 0QPJ's dividend (4.28%) is higher than the bottom 25% of dividend payers in the UK market (2.7%).
High Dividend: 0QPJ's dividend (4.28%) is low compared to the top 25% of dividend payers in the UK market (7.3%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, 0QPJ has been paying a dividend for less than 10 years.
Growing Dividend: 0QPJ'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 (67.8%), 0QPJ's dividend payments are covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: 0QPJ's dividends in 3 years are forecast to be covered by earnings (67.8% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Robert Oudmayer (57yo)
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 ($USD1.85M) is about average for companies of similar size in the UK market ($USD2.48M).
Compensation vs Earnings: Robert's compensation has been consistent with company performance over the past year.
|CEO & Member of Management Board||10.83yrs||CHF1.78m||0.037% CHF968.6k|
|CFO & Member of Management Board||1.42yrs||no data||no data|
|MD of B2C & Member of the Management Board||23.17yrs||no data||0.015% CHF387.6k|
|General Counsel||5.42yrs||no data||0.0074% CHF192.9k|
|Chief Risk Officer & Member of Management Board||7.17yrs||no data||0.014% CHF366.9k|
|COO & Member of Management Board||1.58yrs||no data||no data|
|MD of B2B & Member of Management Board||1.25yrs||no data||no data|
|Senior Legal Counsel & Corporate Secretary||no data||no data||no data|
Experienced Management: 0QPJ's management team is seasoned and experienced (5.5 years average tenure).
|Independent Chairman of the Board||6.58yrs||CHF475.66k||0.025% CHF646.8k|
|Independent Director||4.83yrs||CHF144.57k||no data|
|Independent Director||6.17yrs||CHF175.17k||no data|
|Independent Director||5.83yrs||CHF160.63k||0.025% CHF642.3k|
|Independent Director||6.42yrs||CHF142.42k||no data|
|Independent Director||3.83yrs||CHF137.03k||no data|
Experienced Board: 0QPJ's board of directors are considered experienced (6 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 been diluted in the past year, with total shares outstanding growing by 2.1%.
Cembra Money Bank AG's company bio, employee growth, exchange listings and data sources
- Name: Cembra Money Bank AG
- Ticker: 0QPJ
- Exchange: LSE
- Founded: 1912
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: CHF2.621b
- Shares outstanding: 29.38m
- 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, consumer loans, personal loans, business loans, credit card receivables, and auto loans; 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, travel and flight, and card protection insurance products; investment products; and credit cards. In addition, the company offers financing solution to small business under the Cembra Business brand, as well as invoice financing services. The company serves private and self-employed individuals, and small and medium enterprises. It operates through a network of 17 branches, as well as through various sales channels, such as the internet, credit card partners, independent intermediaries, and approximately 4,000 car dealers. The company was formerly known as GE Money Bank Aktiengesellschaft and changed its name to Cembra Money Bank AG in October 2013. Cembra Money Bank AG was founded in 1912 and is headquartered in Zurich, Switzerland.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/03/31 23:31|
|End of Day Share Price||2020/03/31 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.