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Cembra Money Bank AG

Financial Services US CMBNF

126.0USD
0.00(0%)

Last update at 2026-06-18T13:30:00Z

Day Range

126.00126.00
LowHigh

52 Week Range

86.67126.00
LowHigh

Fundamentals

  • Previous Close 126.00
  • Market Cap3691.25M
  • Volume0
  • P/E Ratio16.15
  • Dividend Yield-%
  • Revenue TTM468.62M
  • Revenue Per Share TTM15.99
  • Gross Profit TTM 468.62M
  • Diluted EPS TTM7.80

Source: TradingView
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Analyst Recommendations

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 223.38M 211.78M 196.17M 210.47M 200.48M
Minority interest - - - - -
Net income 180.09M 170.40M 158.03M 169.30M 161.50M
Selling general administrative 121.16M 87.10M 80.30M 89.33M 88.69M
Selling and marketing expenses - 9.95M 11.69M - -
Gross profit 561.77M 550.45M 458.78M - -
Reconciled depreciation 18.46M 26.82M 27.50M 25.95M 25.05M
Ebit - - -0.09600M - -
Ebitda - - 27.40M - -
Depreciation and amortization - 26.82M 27.50M - -
Non operating income net other - - - - -
Operating income - 285.93M 196.17M - -
Other operating expenses 635.40M 264.52M 262.61M 0.00200M 0.00100M
Interest expense 92.33M 105.25M 74.91M 29.39M 27.28M
Tax provision 43.82M 41.38M 38.14M 41.17M 38.99M
Interest income 464.49M 485.73M 422.12M 385.56M 383.95M
Net interest income 372.16M 380.48M 347.22M 356.17M 356.67M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense - 41.38M 38.14M 41.17M 38.99M
Total revenue 635.40M 550.45M 458.78M 508.86M 493.49M
Total operating expenses 561.77M 264.52M 262.61M - -
Cost of revenue 73.64M - 131.82M - -
Total other income expense net - -74.15000M 0.00100M - -
Discontinued operations - - - - -
Net income from continuing ops 179.57M 170.40M 158.03M 169.30M 161.49M
Net income applicable to common shares - - - 169.30M 161.50M
Preferred stock and other adjustments - - - - -
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
Earning assets - - - - -
Other current assets - -12.10900M 922.00M 17.80M 36.48M
Total liab 6597.12M 6663.61M 6838.44M 6378.89M 5895.02M
Total stockholder equity 1345.40M 1285.12M 1250.00M 1274.40M 1200.28M
Deferred long term liab - - - 9.36M 7.59M
Other current liab 3589.65M - 206.00M - -
Common stock 30.00M 30.00M 30.00M 30.00M 30.00M
Capital 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 -922.00000M 6562.57M 6215.85M
Cash 780.98M 793.20M 921.97M 632.64M 544.77M
Cash and equivalents - - - - -
Total current liabilities 3589.65M - 205.97M 4172.84M 3723.16M
Current deferred revenue - - - - -
Net debt 2045.63M -793.20100M -921.97400M 1980.38M 1947.29M
Short term debt - - 450.00M - -
Short long term debt - - - - -
Short long term debt total 2826.61M - 3098.00M - -
Other stockholder equity 209.63M 204.23M 221.55M 13.16M -6.55600M
Property plant equipment - - - 25.27M 28.86M
Total current assets 781.05M 793.20M 1843.97M 700.65M 623.63M
Long term investments 202.36M 189.86M 98.26M 97.34M -
Net tangible assets - - - 1006.93M 973.32M
Short term investments - - - - -
Net receivables 0.07M 12.11M 13.75M 50.20M 42.39M
Long term debt - - - - -
Inventory - - -935.72000M - -
Accounts payable - - - 3513.12M 3199.40M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - 0.56M - -
Additional paid in capital - - - - -
Common stock total equity - - - - -
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 3420.38M -440.81000M 6928.84M - -
Deferred long term asset charges - - - - -
Non current assets total 7161.47M 7155.53M 7166.21M - -
Capital lease obligations - - - - -
Long term debt total - - - - -
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 -13.90800M -112.56600M -233.43800M -98.47300M -98.47300M
Change to liabilities - - - 0.00000M 0.00000M
Total cashflows from investing activities -58.80318M -112.56600M -233.43800M -471.87000M 34.45M
Net borrowings -100.05800M -200.01600M 485.00M 97.86M -75.21600M
Total cash from financing activities -162.23274M -288.63000M 352.89M 297.64M -258.63500M
Change to operating activities - - - -0.11600M -42.85500M
Net income 179.65M 170.40M 158.03M 169.30M 161.50M
Change in cash -1.52700M -140.55100M 307.98M 69.20M -49.57700M
Begin period cash flow 817.87M 958.42M 650.44M 581.25M 630.82M
End period cash flow 816.35M 817.87M 958.42M 650.44M 581.25M
Total cash from operating activities 219.51M 260.64M 188.53M 243.42M 174.61M
Issuance of capital stock - - - - -
Depreciation 18.46M 26.82M 27.50M 25.95M 25.05M
Other cashflows from investing activities -32.88776M -12.18300M -223.94900M -4.56800M 7.34M
Dividends paid 124.75M 117.39M 115.93M -112.97100M -110.18100M
Change to inventory - - - - -
Change to account receivables - 4.78M 3.82M - -
Sale purchase of stock -6.03789M -2.11700M -1.08000M -2.99700M -0.51100M
Other cashflows from financing activities 68.66M 30.90M -15.10000M 315.76M -72.72700M
Change to netincome - - - 52.13M 34.80M
Capital expenditures 12.00M 10.30M 8.96M 1531.58M 1334.05M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -52.48815M 12.68M 21.37M -3.96400M -47.48800M
Stock based compensation - - 0.59M - -
Other non cash items 92.34M 50.75M -18.36600M - -
Free cash flow 207.51M 250.34M 179.57M 231.65M 164.64M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CMBNF
Cembra Money Bank AG		 - -% 126.00 16.15 8.77 7.88 2.15 10.86
HDB
HDFC Bank Limited ADR		 0.03 0.12% 25.09 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.32 1.06% 29.79 7.78 7.65 0.56 0.90 3.62
DBSDF
DBS Group Holdings Ltd		 1.60 3.22% 51.35 15.29 14.41 5.84 2.36 10.40
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 5.70 6.10 5.67 0.44 0.77 3.43

Reports Covered

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Profile

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.

Cembra Money Bank AG

Bändliweg 20, Zurich, Switzerland, 8048

Key Executives

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.
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