Cembra Money Bank AG

LSE:0QPJ Stock Report

Market Cap: CHF 2.4b

Cembra Money Bank Valuation

Is 0QPJ undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • 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 0QPJ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 0QPJ (CHF81.55) is trading below our estimate of fair value (CHF93.91)

Significantly Below Fair Value: 0QPJ is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0QPJ?

Key metric: As 0QPJ is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0QPJ. This is calculated by dividing 0QPJ's market cap by their current earnings.
What is 0QPJ's PE Ratio?
PE Ratio14.8x
EarningsCHF 161.32m
Market CapCHF 2.39b

Price to Earnings Ratio vs Peers

How does 0QPJ's PE Ratio compare to its peers?

The above table shows the PE ratio for 0QPJ vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average8.5x
IPF International Personal Finance
5.8x10.3%UK£284.5m
SUS S&U
9x21.7%UK£169.5m
KSPI Kaspi.kz
12.2x17.0%US$22.8b
HAT H&T Group
6.8x6.7%UK£147.4m
0QPJ Cembra Money Bank
14.8x9.8%CHF 2.4b

Price-To-Earnings vs Peers: 0QPJ is expensive based on its Price-To-Earnings Ratio (14.8x) compared to the peer average (8.5x).

Price to Earnings Ratio vs Industry

How does 0QPJ's PE Ratio compare vs other companies in the European Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
0QPJ 14.8xIndustry Avg. 9.1xNo. of Companies5PE0612182430+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0QPJ is expensive based on its Price-To-Earnings Ratio (14.8x) compared to the European Consumer Finance industry average (9.1x).

Price to Earnings Ratio vs Fair Ratio

What is 0QPJ'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.

0QPJ PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio14.8x
Fair PE Ratio16.4x

Price-To-Earnings vs Fair Ratio: 0QPJ is good value based on its Price-To-Earnings Ratio (14.8x) compared to the estimated Fair Price-To-Earnings Ratio (16.4x).

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 0QPJ forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentCHF 81.55
CHF 75.50
-7.4%
2.0%CHF 77.00CHF 74.00n/a2
Dec ’25CHF 81.10
CHF 75.50
-6.9%
2.0%CHF 77.00CHF 74.00n/a2
Nov ’25CHF 78.80
CHF 75.50
-4.2%
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 78.39
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 70.43
CHF 73.00
+3.7%
5.5%CHF 77.00CHF 69.00n/a2
Apr ’25CHF 75.51
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 66.71
CHF 71.50
+7.2%
3.5%CHF 74.00CHF 69.00n/a2
Jan ’25CHF 65.04
CHF 71.50
+9.9%
3.5%CHF 74.00CHF 69.00n/a2
Dec ’24CHF 64.66
CHF 73.00
+12.9%
1.4%CHF 74.00CHF 72.00CHF 81.102
Nov ’24CHF 63.09
CHF 73.00
+15.7%
1.4%CHF 74.00CHF 72.00CHF 78.802
Oct ’24CHF 62.44
CHF 73.00
+16.9%
1.4%CHF 74.00CHF 72.00CHF 77.802
Sep ’24CHF 64.12
CHF 73.00
+13.9%
1.4%CHF 74.00CHF 72.00CHF 78.392
Aug ’24CHF 66.22
CHF 78.67
+18.8%
10.2%CHF 90.00CHF 72.00CHF 76.753
Jul ’24CHF 74.36
CHF 82.00
+10.3%
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 71.46
CHF 82.00
+14.8%
9.8%CHF 93.00CHF 74.00CHF 70.433
Apr ’24CHF 71.62
CHF 82.00
+14.5%
9.8%CHF 93.00CHF 74.00CHF 75.513
Mar ’24CHF 78.21
CHF 79.00
+1.0%
12.7%CHF 93.00CHF 70.00CHF 75.153
Feb ’24CHF 81.39
CHF 77.67
-4.6%
13.1%CHF 92.00CHF 70.00CHF 66.713
Jan ’24CHF 77.44
CHF 77.67
+0.3%
13.1%CHF 92.00CHF 70.00CHF 65.043
Dec ’23CHF 72.89
CHF 77.67
+6.5%
13.1%CHF 92.00CHF 70.00CHF 64.663

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

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/27 14:46
End of Day Share Price 2024/12/23 00:00
Earnings2024/06/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

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 .

Analyst Sources

Cembra Money Bank AG is covered by 8 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.

AnalystInstitution
Daniel BischofBaader Helvea Equity Research
Tarik El MejjadBofA Global Research
Daniel RegliCredit Suisse