Cembra Money Bank Past Earnings Performance

Past criteria checks 5/6

Cembra Money Bank has been growing earnings at an average annual rate of 0.8%, while the Consumer Finance industry saw earnings growing at 4.3% annually. Revenues have been growing at an average rate of 1.9% per year. Cembra Money Bank's return on equity is 13.3%, and it has net margins of 34.8%.

Key information

0.8%

Earnings growth rate

0.4%

EPS growth rate

Consumer Finance Industry Growth	7.2%
Revenue growth rate	1.9%
Return on equity	13.3%
Net Margin	34.8%
Next Earnings Update	20 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Cembra Money Bank makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:CMBN.F Revenue, expenses and earnings (CHF Millions)
Date	Revenue	Earnings	G+A Expenses
30 Jun 24	464	161	263
31 Mar 24	461	160	263
31 Dec 23	459	158	263
30 Sep 23	460	156	266
30 Jun 23	461	154	270
31 Mar 23	464	162	264
31 Dec 22	468	169	257
30 Sep 22	464	171	251
30 Jun 22	460	173	244
31 Mar 22	453	167	245
31 Dec 21	447	161	246
30 Sep 21	445	160	246
30 Jun 21	443	158	246
31 Mar 21	442	155	247
31 Dec 20	441	153	247
30 Sep 20	446	154	250
30 Jun 20	450	155	253
31 Mar 20	442	157	243
31 Dec 19	435	159	232
30 Sep 19	419	157	219
30 Jun 19	403	155	206
31 Mar 19	396	155	200
31 Dec 18	389	154	193
30 Sep 18	379	153	184
30 Jun 18	369	153	175
31 Mar 18	360	149	172
31 Dec 17	351	144	168
30 Sep 17	348	143	167
30 Jun 17	345	141	166
31 Mar 17	347	142	166
31 Dec 16	349	144	167
30 Sep 16	350	145	166
30 Jun 16	351	147	164
31 Mar 16	348	146	163
31 Dec 15	345	145	161
30 Sep 15	344	145	161
30 Jun 15	343	145	160
31 Mar 15	341	142	161
31 Dec 14	339	140	161
30 Sep 14	330	125	160
30 Jun 14	321	110	159
31 Mar 14	334	121	157
31 Dec 13	348	133	156

Quality Earnings: CMBN.F has high quality earnings.

Growing Profit Margin: CMBN.F's current net profit margins (34.8%) are higher than last year (33.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CMBN.F's earnings have grown by 0.8% per year over the past 5 years.

Accelerating Growth: CMBN.F's earnings growth over the past year (4.9%) exceeds its 5-year average (0.8% per year).

Earnings vs Industry: CMBN.F earnings growth over the past year (4.9%) exceeded the Consumer Finance industry -5.4%.

Return on Equity

High ROE: CMBN.F's Return on Equity (13.3%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/28 11:39
End of Day Share Price	2024/12/02 00:00
Earnings	2024/06/30
Annual Earnings	2023/12/31

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 here.

Analysis Model and Snowflake

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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.

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