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Cembra Money Bank AG (CMBN.SW)
Zurich, ZH, 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, 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.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.81% | -0.94% | -0.58% | -4.62% | +0.05% | -6.77% | -6.03% | +41.16% | -6.95% | +44.05% | +64.08% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 3 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+15.4% Q4'25: +58.7% (vs Q4'23)
-
EPS growth+3.5% Q4'25: +9.2% (vs Q4'23)
-
FCF margin— Q4'25: +30.3% (vs Q4'23)
-
EBIT margin— Q4'25: +0.0% (vs Q4'23)
-
ROIC—
-
Share dilution+2.1% Q4'25: +2.2% (vs Q4'23)
-
Debt / EBITDA—
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2013 actual |
Dec 2014 actual |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 3 EPS Ana. |
Dec 2027 3 Rev. Ana. 3 EPS Ana. |
Dec 2028 3 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
347.52M
est: 360.32M (-3.6%)
|
338.56M
est: 381.25M (-11.2%)
|
345.04M
est: 378.51M (-8.8%)
|
349.45M
est: 389.25M (-10.2%)
|
351.25M
est: 386.86M (-9.2%)
|
388.77M
est: 418.70M (-7.1%)
|
507.50M
est: 473.07M (+7.3%)
|
524.09M
est: 503.81M (+4.0%)
|
513.05M
est: 487.12M (+5.3%)
|
538.25M
est: 497.30M (+8.2%)
|
458.78M
est: 463.67M (-1.1%)
|
550.45M
est: 538.07M (+2.3%)
|
635.10M
est: 538.87M (+17.9%)
|
555.68M
552.02M – 562.08M
+3.1% YoY
|
567.11M
555.63M – 576.09M
+2.1% YoY
|
579.45M
579.45M – 579.45M
+2.2% YoY
|
| EBITDA |
218.58M
est: 155.30M (+40.7%)
|
—
est: 245.79M (-100.0%)
|
—
est: 227.45M (-100.0%)
|
201.30M
est: 224.26M (-10.2%)
|
192.04M
est: 217.43M (-11.7%)
|
208.75M
est: 234.75M (-11.1%)
|
222.33M
est: 256.14M (-13.2%)
|
413.35M
est: 270.42M (+52.9%)
|
225.53M
est: 280.14M (-19.5%)
|
236.43M
est: 293.74M (-19.5%)
|
223.67M
est: 126.71M (+76.5%)
|
—
est: 318.20M (-100.0%)
|
—
est: 147.26M (-100.0%)
|
151.85M
150.85M – 153.60M
+3.1% YoY
|
154.98M
151.84M – 157.43M
+2.1% YoY
|
158.35M
158.35M – 158.35M
+2.2% YoY
|
| EBIT |
215.36M
est: 136.83M (+57.4%)
|
-2.48M
est: 178.39M (-101.4%)
|
-4.49M
est: 182.08M (-102.5%)
|
193.45M
est: 183.41M (+5.5%)
|
183.31M
est: 182.88M (+0.2%)
|
195.75M
est: 198.53M (-1.4%)
|
202.88M
est: 218.45M (-7.1%)
|
386.82M
est: 219.34M (+76.4%)
|
200.48M
est: 227.22M (-11.8%)
|
210.47M
est: 238.25M (-11.7%)
|
196.17M
est: 107.63M (+82.3%)
|
-26.83M
est: 258.09M (-110.4%)
|
—
est: 125.09M (-100.0%)
|
128.99M
128.14M – 130.48M
+3.1% YoY
|
131.64M
128.98M – 133.73M
+2.1% YoY
|
134.51M
134.51M – 134.51M
+2.2% YoY
|
| Net Income |
132.88M
est: 132.58M (+0.2%)
|
139.85M
est: 140.62M (-0.5%)
|
145.02M
est: 143.71M (+0.9%)
|
143.71M
est: 144.90M (-0.8%)
|
144.49M
est: 144.48M (+0.0%)
|
154.13M
est: 156.49M (-1.5%)
|
159.20M
est: 172.00M (-7.4%)
|
152.92M
est: 172.12M (-11.2%)
|
161.50M
est: 178.30M (-9.4%)
|
169.30M
est: 153.75M (+10.1%)
|
158.03M
est: 165.00M (-4.2%)
|
170.40M
est: 179.28M (-5.0%)
|
180.00M
est: 186.83M (-3.7%)
|
208.24M
204.82M – 211.65M
+11.5% YoY
|
217.92M
214.54M – 221.31M
+4.7% YoY
|
226.57M
221.68M – 231.21M
+4.0% YoY
|
| SGA |
53.19M
est: 62.98M (-15.5%)
|
51.03M
est: 196.69M (-74.1%)
|
49.44M
est: 207.83M (-76.2%)
|
54.05M
est: 204.96M (-73.6%)
|
56.81M
est: 213.23M (-73.4%)
|
72.84M
est: 230.73M (-68.4%)
|
87.58M
est: 271.27M (-67.7%)
|
89.56M
est: 299.30M (-70.1%)
|
82.22M
est: 310.05M (-73.5%)
|
89.33M
est: 325.10M (-72.5%)
|
91.98M
est: 82.88M (+11.0%)
|
97.05M
est: 352.17M (-72.4%)
|
121.10M
est: 96.32M (+25.7%)
|
99.32M
98.67M – 100.47M
+3.1% YoY
|
101.37M
99.31M – 102.97M
+2.1% YoY
|
103.57M
103.57M – 103.57M
+2.2% YoY
|
| EPS |
4.43
est: 4.51 (-1.9%)
|
4.67
est: 4.64 (+0.6%)
|
5.04
est: 4.50 (+11.9%)
|
5.10
est: 4.82 (+5.9%)
|
5.13
est: 4.92 (+4.2%)
|
5.47
est: 5.42 (+1.0%)
|
5.53
est: 5.55 (-0.3%)
|
5.21
est: 5.49 (-5.1%)
|
5.50
est: 5.44 (+1.1%)
|
5.77
est: 5.74 (+0.5%)
|
5.39
est: 5.50 (-2.0%)
|
5.81
est: 5.67 (+2.5%)
|
6.00
est: 6.22 (-3.5%)
|
6.94
6.83 – 7.06
+11.7% YoY
|
7.28
7.15 – 7.38
+4.8% YoY
|
7.55
7.39 – 7.71
+3.7% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-28 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-27 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-26 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-22 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-21 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-20 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-19 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-18 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-15 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-13 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-12 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-11 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-08 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-07 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-04 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-24 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-17 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-16 | B+ | 3/5 | 5/5 | 4/5 | 5/5 | 1/5 | 2/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | First Trust S&P International Dividend Aristocrats ETF FID | 1.08% | 1.72M | 0.60% |
| 2 | Franklin European Quality Dividend UCITS ETF FLXD.L | 1.05% | 6.71M | 0.25% |
| 3 | UBS S&P Dividend Aristocrats ESG Elite UCITS ETF USD dis UBUM.DE | 0.87% | 1.80M | 0.30% |
| 4 | State Street SPDR S&P Global Dividend ETF WDIV | 0.79% | 2.11M | 0.40% |
| 5 | State Street SPDR S&P Global Dividend Aristocrats UCITS ETF GLDV.L | 0.63% | 10.28M | 0.45% |
| 6 | State Street SPDR S&P Global Dividend Aristocrats Screened UCITS ETF (Dist) GEDV.L | 0.62% | 149.0K | 0.45% |
| 7 | Fidelity Europe Quality Income UCITS ETF INC-EUR FEUI.L | 0.54% | 388.5K | 0.30% |
| 8 | Fidelity Europe Quality Income UCITS ETF ACC-EUR FEQD.L | 0.54% | 388.5K | 0.30% |
| 9 | Fidelity Europe Quality Income UCITS ETF ACC-GBP (hedged) FEQP.L | 0.54% | 455.5K | 0.35% |
| 10 | iShares International Developed Small Cap Value Factor ETF ISVL | 0.49% | 1.55M | 0.31% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Holger Laubenthal | Chief Executive Officer & Member of Management Board | 1M | male |
| Andreas Schindler | Chief Auditor | — | male |
| Bernardo de Barros Franco | Chief Customer & Growth Officer and Member of the Management Board | — | male |
| Christian Stolz | Business Unit Leader of Payments & Member of the Management Board | — | male |
| Christoph Glaser | Chief Financial Officer & Member of Management Board | — | male |
| Eric Anliker | General Counsel & Member of the Management Board | — | male |
| Peter Schnellmann | Business Unit Leader of Lending & Member of the Management Board | — | male |
| Sandra Babylon | Chief Technology Officer & Member of the Management Board | — | female |
| Alona Eiduka | Chief Operating Officer & Member of Management Board | — | female |
| Volker Gloe | Chief Risk Officer & Member of Management Board | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for CMBN.SW
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
