0QPJ Stock Overview
Provides consumer finance products and services in Switzerland. More details
| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 2/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 5/6 |
Rewards
Risk Analysis
No risks detected for 0QPJ from our risk checks.
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Cembra Money Bank AG Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | CHF 99.65 |
| 52 Week High | CHF 99.75 |
| 52 Week Low | CHF 69.55 |
| Beta | 0.41 |
| 1 Month Change | 7.33% |
| 3 Month Change | 21.82% |
| 1 Year Change | 32.03% |
| 3 Year Change | 56.31% |
| 5 Year Change | 28.41% |
| Change since IPO | 62.56% |
Recent News & Updates
Recent updates
Shareholder Returns
| 0QPJ | GB Consumer Finance | GB Market | |
|---|---|---|---|
| 7D | 1.3% | 2.3% | 0.8% |
| 1Y | 32.0% | 24.1% | 9.1% |
Return vs Industry: 0QPJ exceeded the UK Consumer Finance industry which returned 23.2% over the past year.
Return vs Market: 0QPJ exceeded the UK Market which returned 8.4% over the past year.
Price Volatility
| 0QPJ volatility | |
|---|---|
| 0QPJ Average Weekly Movement | 3.0% |
| Consumer Finance Industry Average Movement | 5.3% |
| Market Average Movement | 4.9% |
| 10% most volatile stocks in GB Market | 10.1% |
| 10% least volatile stocks in GB Market | 2.7% |
Stable Share Price: 0QPJ has not had significant price volatility in the past 3 months compared to the UK market.
Volatility Over Time: 0QPJ's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1912 | 759 | Holger Laubenthal | www.cembra.ch |
Cembra Money Bank AG provides consumer finance products and services in Switzerland. The company offers savings and deposit products; cash and personal loans, and auto loans and leasing products; credit card and invoice financing receivables; leasing services for new and used vehicles, including cars, light commercial vehicles, motorcycles, and caravans, as well as corporate leasing services; and investment securities comprising debt securities. It also provides financial protection products for involuntary unemployment, accident, illness, or disability; travel and card protection insurance products; car insurance products; investment products; and credit cards, mobile payment, and online banking services.
Cembra Money Bank AG Fundamentals Summary
| 0QPJ fundamental statistics | |
|---|---|
| Market cap | CHF 2.93b |
| Earnings (TTM) | CHF 170.40m |
| Revenue (TTM) | CHF 476.30m |
17.2x
P/E Ratio6.1x
P/S RatioIs 0QPJ overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 0QPJ income statement (TTM) | |
|---|---|
| Revenue | CHF 476.30m |
| Cost of Revenue | CHF 0 |
| Gross Profit | CHF 476.30m |
| Other Expenses | CHF 305.91m |
| Earnings | CHF 170.40m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
Mar 20, 2025
| Earnings per share (EPS) | 5.81 |
| Gross Margin | 100.00% |
| Net Profit Margin | 35.77% |
| Debt/Equity Ratio | 225.6% |
How did 0QPJ perform over the long term?
See historical performance and comparisonDividends
4.3%
Current Dividend Yield73%
Payout RatioDoes 0QPJ pay a reliable dividends?
See 0QPJ dividend history and benchmarks| Cembra Money Bank dividend dates | |
|---|---|
| Ex Dividend Date | Apr 28 2025 |
| Dividend Pay Date | Apr 30 2025 |
| Days until Ex dividend | 41 days |
| Days until Dividend pay date | 43 days |
Does 0QPJ pay a reliable dividends?
See 0QPJ dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/03/17 04:24 |
| End of Day Share Price | 2025/03/17 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
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.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Cembra Money Bank AG is covered by 7 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Daniel Bischof | Baader Helvea Equity Research |
| Tarik El Mejjad | BofA Global Research |
| Daniel Regli | Credit Suisse |