Cembra Money Bank AG/€CMBN
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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
Primary listing
XGAT
Employees
805
Headquarters
Zurich, Switzerland
Website
CMBN Metrics
BasicAdvanced
€2.9B
15.03
€6.59
0.25
€4.54
4.58%
Price and volume
Market cap
€2.9B
Beta
0.25
52-week high
€112.18
52-week low
€82.01
Average daily volume
42K
Dividend rate
€4.54
Financial strength
Dividend payout ratio (TTM)
69.55%
Profitability
Net profit margin (TTM)
37.39%
Operating margin (TTM)
46.48%
Effective tax rate (TTM)
19.52%
Revenue per employee (TTM)
€648,600
Management effectiveness
Return on assets (TTM)
2.21%
Return on equity (TTM)
14.60%
Valuation
Price to earnings (TTM)
15.029
Price to revenue (TTM)
5.608
Price to book
2.16
Price to tangible book (TTM)
2.64
Price to free cash flow (TTM)
-1.961
Free cash flow yield (TTM)
-51.00%
Free cash flow per share (TTM)
-50.539
Dividend yield (TTM)
4.58%
Forward dividend yield
4.58%
Growth
Revenue change (TTM)
3.36%
Earnings per share change (TTM)
10.93%
3-year revenue growth (CAGR)
1.37%
3-year earnings per share growth (CAGR)
1.18%
10-year earnings per share growth (CAGR)
2.30%
3-year dividend per share growth (CAGR)
3.35%
10-year dividend per share growth (CAGR)
3.21%
Bulls say / Bears say
Net income rose 11% to CHF 87.2 million in H1 2025, driven by efficiency programmes that lowered the cost/income ratio to 47.6%, underscoring the success of its strategic transformation (TradingView).
The bank strengthened its funding profile by issuing its inaugural CHF 150 million auto covered bond and increasing deposits to 58% of total funding, reducing end-of-period funding costs to 1.43% (Finanzen.ch).
With a Tier 1 capital ratio of 17.7%—well above Basel III requirements—and guidance for a 14–15% ROE in 2025, Cembra maintains a robust capital base to support growth and dividends (FinanzWire).
Non-performing-loans ratio rose to 1.8% in H1 2025 from 0.8% a year earlier, signaling a doubling in credit impairments that could weigh on profitability if trends persist (Finanzen.ch).
Over-30-days past‐due financing receivables increased to 3.8% from 2.4% in H1 2025, reflecting synchronization of collection processes but raising concerns over borrower stress amid a softer macro environment (Finanzen.ch).
Net financing receivables in the Buy-Now-Pay-Later business declined by 18% to CHF 0.1 billion in H1 2025 following the planned exit of non-core partnerships, potentially ceding market share in a high-growth segment (Finanzen.ch).
Data summarised monthly by Lightyear AI. Last updated on 8 Oct 2025.
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.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.
Capital at risk
Upcoming events
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FAQs
What’s the current market cap for Cembra Money Bank AG stock?
Cembra Money Bank AG (CMBN) has a market cap of €2.9B as of October 26, 2025.
What is the P/E ratio for Cembra Money Bank AG stock?
The price to earnings (P/E) ratio for Cembra Money Bank AG (CMBN) stock is 15.03 as of October 26, 2025.
Does Cembra Money Bank AG stock pay dividends?
Yes, the Cembra Money Bank AG (CMBN) stock pays dividends to shareholders. As of October 26, 2025, the dividend rate is €4.54203 and the yield is 4.58%. Cembra Money Bank AG has a payout ratio of 69.55% on a trailing twelve-month basis.
When is the next Cembra Money Bank AG dividend payment date?
The next Cembra Money Bank AG (CMBN) dividend payment date is unconfirmed.
What is the beta indicator for Cembra Money Bank AG?
Cembra Money Bank AG (CMBN) has a beta rating of 0.25. This means that it is less volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 0.5 would mean it moves half as much as the market.