Cembra Money Bank AG/€CMBN
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Cembra Money Bank AG
Cembra Money Bank AG is a Swiss financial institution specializing in consumer finance. Its core business includes offering personal loans, auto leases and loans, as well as credit cards, primarily targeting individual consumers. The company also provides financing services to small and medium-sized enterprises. Headquartered in Zurich, Switzerland, Cembra operates throughout the country, leveraging a network of branches and digital platforms to serve customers. The bank's strategic positioning is strengthened by its strong brand recognition in Switzerland and its focus on risk management and customer service. Cembra Money Bank AG was established in 2005, following the separation from GE Money Bank.
- Ticker
- €CMBN
- Sector
- Finance
- Primary listing
- XGAT
- Employees
- 744
- Headquarters
- Zurich, Switzerland
- Website
- www.cembra.ch
CMBN Metrics
BasicAdvanced
€2.7B
13.36
€6.87
0.19
€6.11
5.47%
Price and volume
Market cap
€2.7B
Beta
0.19
52-week high
€109.60
52-week low
€91.45
Average daily volume
75K
Dividend rate
€6.11
Financial strength
Dividend payout ratio (TTM)
88.91%
Profitability
Net profit margin (TTM)
39.82%
Operating margin (TTM)
49.50%
Effective tax rate (TTM)
19.55%
Revenue per employee (TTM)
€677,880
Management effectiveness
Return on assets (TTM)
2.36%
Return on equity (TTM)
14.65%
Valuation
Price to earnings (TTM)
13.358
Price to revenue (TTM)
5.3
Price to book
1.93
Price to tangible book (TTM)
2.3
Price to free cash flow (TTM)
-1.943
Free cash flow yield (TTM)
-51.48%
Free cash flow per share (TTM)
-47.217
Dividend yield (TTM)
6.66%
Forward dividend yield
5.47%
Growth
Revenue change (TTM)
-3.27%
Earnings per share change (TTM)
2.95%
3-year revenue growth (CAGR)
0.20%
3-year earnings per share growth (CAGR)
6.29%
10-year earnings per share growth (CAGR)
1.86%
3-year dividend per share growth (CAGR)
5.21%
10-year dividend per share growth (CAGR)
3.22%
What the Analysts think about CMBN
Analyst ratings (Buy, Hold, Sell) for Cembra Money Bank AG stock.
Analyst projections of the future price of Cembra Money Bank AG stock.
Bulls say / Bears say
H1 net income rose 6% as operating costs fell 9%, taking the cost/income ratio down to 43.5% from 47.6%. Continued efficiency gains give Cembra a near-term earnings lever even while revenues are flat. (EQS News)
Cembra’s receivables grew 2% across personal loans, auto and cards, while its net interest margin held at 5.4% despite lower consumer-loan rate caps. That points to resilience in the core franchise and a return to growth in personal lending. (EQS News)
The planned Santander auto-finance acquisition adds about CHF 800 million of lending and new manufacturer relationships, and is expected to lift earnings per share from 2027. It could give Cembra more scale and access to pan-European financing programmes. (EQS News)
Swiss consumer-loan rate caps are weighing on interest income: H1 net interest income stayed flat only because lower funding costs offset lower loan interest income. If funding costs stop falling, this offset may be harder to sustain. (EQS News)
Credit-loss provisions rose CHF 4.8 million and the loss rate increased to 1.1% from 0.9% year on year. Fitch also noted higher default assumptions for the used-vehicle lease pool, adding risk if the consumer or vehicle market weakens. (EQS News, Fitch Ratings)
The Santander transaction is expected to cut 2026 return on equity by about one percentage point and push the loss rate slightly above its medium-term target. It requires substantial extra debt and treasury-share issuance, while the expected earnings benefit starts only in 2027. (EQS News)
Data summarised monthly by Lightyear AI. Last updated on 2 Nov 2026.
CMBN Financial Performance
Revenues and expenses
CMBN Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing CMBN
AllUSDEURGBP
Fund name | Fund size | €CMBN weighting |
|---|---|---|
SPDR S&P Global Dividend Aristocrats£GBDV | $1.8B | 0.57% |
SPDR S&P Global Dividend Aristocrats$GLDV | $1.8B | 0.57% |
Xtrackers MSCI Europe Small Cap£XXSC | $3.6B | 0.21% |
Xtrackers MSCI Europe Small Cap€DX2J | $3.6B | 0.21% |
L&G Global Quality Dividends£LDGG | $353M | 0.06% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.