Cembra Money Bank AG/Fr. CMBN
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Cembra Money Bank AG
Cembra Money Bank AG is a financial services company headquartered in Zurich, Switzerland. It operates in the consumer finance sector, primarily offering personal loans, auto leases, and credit cards. The company also provides insurance products related to its financial services. Cembra Money Bank serves both individual consumers and institutional clients across Switzerland. It has a strong distribution network that includes branches, online platforms, and numerous partnerships with retail outlets and commercial entities. The bank's strategic positioning is supported by its focus on risk management and customer service excellence.
- Ticker
- Fr. CMBN
- Sector
- Finance
- Primary listing
- XSWX
- Employees
- 744
- Headquarters
- Zurich, Switzerland
- Website
- www.cembra.ch
CMBN Metrics
BasicAdvanced
CHF 2.6B
13.94
CHF 6.28
0.19
CHF 5.60
5.25%
Price and volume
Market cap
CHF 2.6B
Beta
0.19
52-week high
CHF 105.50
52-week low
CHF 84.50
Average daily volume
63K
Dividend rate
CHF 5.60
Financial strength
Dividend payout ratio (TTM)
88.91%
Profitability
Net profit margin (TTM)
39.82%
Operating margin (TTM)
49.49%
Effective tax rate (TTM)
19.55%
Revenue per employee (TTM)
CHF 620,000
Management effectiveness
Return on assets (TTM)
2.36%
Return on equity (TTM)
14.65%
Valuation
Price to earnings (TTM)
13.941
Price to revenue (TTM)
5.531
Price to book
2.01
Price to tangible book (TTM)
2.45
Price to free cash flow (TTM)
-2.027
Free cash flow yield (TTM)
-49.33%
Free cash flow per share (TTM)
-43.185
Dividend yield (TTM)
6.40%
Forward dividend yield
5.25%
Growth
Revenue change (TTM)
-3.28%
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%
Bulls say / Bears say
First-half net income rose 6% to CHF 92.3 million as operating expenses fell 9%, cutting the cost/income ratio to 43.5%. This shows efficiency gains are supporting earnings even with flat revenue. (Cembra Money Bank)
The planned Santander auto-finance acquisition adds about CHF 800 million of receivables and nine partner relationships. Cembra expects it to lift earnings per share from 2027 and add around 25 basis points to return on equity from 2028. (Cembra Money Bank)
Cembra grew financing receivables by 2% while holding its net interest margin at 5.4%, despite lower regulated lending rates. Delinquency and non-performing-loan ratios also improved from their prior comparison points, supporting the case that growth has so far been manageable. (Cembra Money Bank)
Net revenues were flat in the first half, as the lower maximum rates on consumer loans reduced interest income. Cembra offset this with cheaper funding, but the results show how regulation can constrain revenue growth. (Cembra Money Bank)
Loss provisions rose to CHF 36.2 million and the loss rate increased to 1.1% from 0.9% a year earlier. A deterioration in borrower performance could weaken earnings if the recent rise continues. (Cembra Money Bank)
The Santander deal is expected to dilute 2026 earnings per share because of initial credit-loss charges and integration costs, and Cembra expects the transaction to reduce 2026 return on equity by about one percentage point. It also plans additional debt and equity-related funding, adding execution and capital risks before the expected benefits arrive. (Financial Times)
Data summarised monthly by Lightyear AI. Last updated on 13 Oct 2026.
Upcoming events
No upcoming events
Funds containing CMBN
AllEURUSD
Fund name | Fund size | Fr. CMBN weighting |
|---|---|---|
iShares STOXX Europe 600 Banks€EXV1 | €3.7B | 0.15% |
iShares MSCI World Small Cap£WLDS | $9B | 0.03% |
iShares MSCI World Small Cap€IUSN | $9B | 0.03% |
iShares MSCI World Small Cap$WSML | $9B | 0.03% |
iShares STOXX Europe 600€EXIE | €904M | 0.02% |
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.