CMBN.F Stock Overview

Provides consumer finance products and services in Switzerland. More details

CMBN.F fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	1/6
Past Performance	5/6
Financial Health	5/6
Dividends	5/6

Rewards

Price-To-Earnings ratio (16.6x) is below the US market (17.8x)

Earnings are forecast to grow 8.9% per year

Earnings grew by 7.8% over the past year

Pays a reliable dividend of 4.4%

Risk Analysis

Shares are highly illiquid

Community vs My Fair Value

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Cembra Money Bank AG Competitors

Bread Financial Holdings

NYSE:BFH

US$2.2b

Enova International

NYSE:ENVA

US$2.3b

Nelnet

NYSE:NNI

US$3.8b

Qifu Technology

NasdaqGS:QFIN

US$5.7b

Price History & Performance

Summary of share price highs, lows and changes for Cembra Money Bank
Historical stock prices
Current Share Price	CHF 91.31
52 Week High	CHF 91.31
52 Week Low	CHF 85.73
Beta	0.40
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	29.33%

Recent updates

Shareholder Returns

	CMBN.F	US Consumer Finance	US Market
7D	0%	-0.6%	1.8%
1Y	n/a	18.6%	9.5%

Return vs Industry: Insufficient data to determine how CMBN.F performed against the US Consumer Finance industry.

Return vs Market: Insufficient data to determine how CMBN.F performed against the US Market.

Price Volatility

Is CMBN.F's price volatile compared to industry and market?
CMBN.F volatility
CMBN.F Average Weekly Movement	n/a
Consumer Finance Industry Average Movement	8.5%
Market Average Movement	7.8%
10% most volatile stocks in US Market	16.2%
10% least volatile stocks in US Market	4.1%

Stable Share Price: CMBN.F's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine CMBN.F's volatility change 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

How do Cembra Money Bank's earnings and revenue compare to its market cap?
CMBN.F fundamental statistics
Market cap	US$3.14b
Earnings (TTM)	US$188.74m
Revenue (TTM)	US$527.57m

16.6x

P/E Ratio

5.9x

P/S Ratio

Is CMBN.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CMBN.F 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 CMBN.F perform over the long term?

See historical performance and comparison

Dividends

4.4%

Current Dividend Yield

73%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/03/01 01:25
End of Day Share Price	2024/12/02 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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 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.

Analyst	Institution
Daniel Bischof	Baader Helvea Equity Research
Tarik El Mejjad	BofA Global Research
Daniel Regli	Credit Suisse