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Home CompaniesCembra Money Bank AG

Cembra Money Bank AG

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Company price
89.15 GBX 0.95 ( 1.08%)
Last update at 2026-10-27T16:19:00Z
VOLUME
3095
Market Cap
2834.89M
P/E
0.18

Momentum Score

…

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, cyber, and card protection insurance products; car insurance products; investment products; and credit cards, mobile payment, and online banking services. The company serves private and self-employed individuals, and small enterprises. It operates through a network of branches and online distribution channels; and credit card partners, independent intermediaries, and 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
88.45
Low
89.15
High
52 Week Price Range
88.00
Low
104.70
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
88.20
Dividend Yield
-
Revenue TTM
468.62M
Revenue Per Share
15.99
Gross Profit TTM
468.62M
Debt / Equity
2.10
ROE
13.65%
Net Debt
2045.63M
ROCE
6.57%
Diluted EPS TTM
5.49

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax - 211.78M 196.17M 210.47M 200.48M
Net income 180.00M 170.40M 158.03M 169.30M 161.50M
Selling general administrative 121.10M 87.10M 80.30M 99.56M 99.13M
Selling and marketing expenses - 9.95M 11.69M 15.72M 8.13M
Gross profit 561.50M 550.45M 590.60M 467.93M 446.74M
Ebit - - 196.17M - -
Ebitda - - 223.67M - -
Depreciation and amortization - 26.82M 27.50M -210.47M -200.48M
Operating income - 285.93M 196.17M 210.47M 200.48M
Other operating expenses 635.10M 264.52M 262.61M 257.46M 246.26M
Interest expense - 105.25M 74.91M - 0.00M
Income tax expense - 41.38M 38.14M 41.17M 38.99M
Total revenue 635.10M 550.45M 458.78M 467.93M 446.74M
Total operating expenses 561.50M 264.52M 262.61M 257.46M 246.26M
Cost of revenue 73.60M 105.25M -131.82M - -
Total other income expense net - -74.15M 0.00M - -
Net income applicable to common shares - - - 169.30M 161.50M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 7942.52M 7948.73M 8088.18M 7653.29M 7095.30M
Intangible assets 11.42M 14.62M 26.53M 77.95M 70.13M
Other current assets - 830.06M 975.39M 17.80M 36.48M
Total liab 6597.12M 6663.61M 6838.44M 6378.89M 5895.02M
Total stockholder equity 1345.40M 1285.12M 1249.74M 1274.40M 1200.28M
Deferred long term liab - - - 9.36M 7.59M
Other current liab 3589.65M 3118.95M 360.77M - -
Common stock 30.00M 30.00M 30.00M 30.00M 30.00M
Retained earnings 1105.77M 1050.89M 997.89M 1010.02M 953.69M
Other liab - - - 29.13M 12.46M
Good will 189.52M 189.52M 189.52M 189.52M 156.83M
Other assets - 7948.73M - 6727.91M 6294.71M
Cash 780.98M 793.20M 921.97M 632.64M 544.77M
Total current liabilities 3589.65M 3524.30M 815.85M 203.86M 167.32M
Net debt 2045.63M 2117.07M 2191.92M -632.64M -544.77M
Short term debt - 405.35M 455.08M - -
Short long term debt total 2826.61M 2910.27M 3113.90M - -
Other stockholder equity 209.63M 221.06M 221.29M 234.38M 216.59M
Property plant equipment - - - 25.27M 28.86M
Total current assets 781.05M 805.31M 921.97M 632.64M 544.77M
Net tangible assets - - - 1006.93M 973.32M
Short term investments - - -1843.97M - -
Net receivables 0.07M 12.11M 13.75M 50.20M 42.39M
Inventory - - 908.25M - -
Accounts payable - - - 3513.12M 3199.40M
Accumulated other comprehensive income - -16.83M 0.56M - -
Non currrent assets other 3420.38M 3280.16M 6797.00M -292.74M -255.82M
Non current assets total 7161.47M 7143.42M 7166.21M 292.74M 255.82M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - - - -98.47M -98.47M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -58.77M -112.57M -233.44M -471.87M 34.45M
Net borrowings - - - 97.86M -75.22M
Total cash from financing activities -162.16M -288.63M 352.89M 297.64M -258.63M
Change to operating activities - - - -0.12M -43.61M
Net income 179.57M 170.40M 158.03M 169.30M 161.50M
Change in cash - -140.55M 307.98M 69.20M -49.58M
Begin period cash flow 817.87M 958.42M 650.44M 581.25M 630.82M
End period cash flow - 817.87M 958.42M 650.44M 581.25M
Total cash from operating activities 219.40M 260.64M 188.53M 243.42M 174.61M
Depreciation - 26.82M 27.50M 25.95M 25.05M
Other cashflows from investing activities -32.87M -12.18M -223.95M -4.57M 7.34M
Dividends paid 124.69M 117.39M 115.93M 112.97M 110.18M
Change to account receivables - 4.78M 3.82M - -
Sale purchase of stock -6.04M -2.12M -1.08M -3.00M -0.51M
Other cashflows from financing activities 68.63M 30.90M -15.10M 785.76M 127.27M
Change to netincome - - - 52.13M 35.56M
Capital expenditures 11.99M 10.30M 8.96M 1531.58M 1334.05M
Change in working capital -52.46M 12.68M 15.55M - -
Stock based compensation - - 0.59M 0.47M 0.09M
Other non cash items 92.30M 50.75M -13.15M 47.70M -12.03M
Free cash flow 207.41M 250.34M 179.57M -1288.16M -1159.44M

Peer Comparison*

Sector: Industry:

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
0QPJ
Cembra Money Bank AG		 0.95
1.08%		 89.15 0.18 - 6.05 -
0R15
SoftBank Group Corp.		 248.00
5.84%		 4494.00 - - - -
0R1E
Nintendo Co. Ltd.		 -115.00
1.34%		 8476.00 - - - -
0LC3
Synchrony Financial		 2.34
3.20%		 75.60 0.09 - 4.97 -
0HQP
CBRE Group Inc. Cl A		 0.15
0.12%		 122.47 0.25 - 1.18 -

Profile*

Cembra Money Bank AG

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, cyber, and card protection insurance products; car insurance products; investment products; and credit cards, mobile payment, and online banking services. The company serves private and self-employed individuals, and small enterprises. It operates through a network of branches and online distribution channels; and credit card partners, independent intermediaries, and 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.

Bändliweg 20, Zurich, Switzerland, 8048

41 44 439 8111

https://www.cembra.ch

713

Name Title Year Born
Mr. Holger Laubenthal CEO & Member of Management Board 1972
Mr. Pascal Perritaz CFO & Member of Management Board 1972
Mr. Peter Schnellmann Chief Sales & Distribution Officer and Member of the Management Board NA
Mr. Volker Gloe Chief Risk Officer & Member of Management Board 1968
Ms. Alona Eiduka COO & Member of Management Board NA
Mr. Eric Anliker Gen. Counsel & Member of the Management Board NA
Mr. Christian Schmitt Chief Technology Officer NA
Edina Jung Sr. Legal Counsel & Corp. Sec. NA
Mr. Christoph Glaser CFO & Member of Management Board 1972
Mr. Peter Schnellmann Business Unit Leader of Lending & Member of the Management Board 1973

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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