Cembra Money Bank AG/Fr. CMBN
1D1W1MYTD1Y5YMAX
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
14.29
CHF 6.28
0.19
CHF 5.60
5.13%
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
87K
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)
19.54%
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)
14.291
Price to revenue (TTM)
5.67
Price to book
2.06
Price to tangible book (TTM)
2.44
Price to free cash flow (TTM)
-2.078
Free cash flow yield (TTM)
-48.12%
Free cash flow per share (TTM)
-43.185
Dividend yield (TTM)
6.24%
Forward dividend yield
5.13%
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 2026 net income increased 6% to CHF 92.3 million, driven by efficiency improvements that reduced the cost/income ratio to 43.5% and raised ROE to 14.1%. (FT.com)
Cembra’s Tier 1 capital ratio stood at a robust 17.7% at mid-2026, providing ample buffer for regulatory compliance and enabling strategic investments. (FT.com)
In Q2 2026, core lending volumes expanded with loans and leases up 11% and buy-now-pay-later activity rising 2%, underscoring strong franchise growth. (FinancialFilings)
Regulatory changes effective January 1, 2026 lowered the maximum effective annual interest rate on Swiss personal loans to 11%, constraining Cembra’s pricing power and net interest income potential. (Cembra Annual Report 2025)
In Q2 2026, credit card revenues declined by 3% and insurance-related income fell by 5%, reflecting pressure on ancillary business lines in a soft consumer finance environment. (FinancialFilings)
A private placement of up to 2.0% of share capital to fund the Santander auto financing acquisition risks diluting existing shareholders and pressuring EPS growth. (MarketScreener)
Data summarised monthly by Lightyear AI. Last updated on 20 Aug 2026.
Upcoming events
No upcoming events
Funds containing CMBN
AllEURUSDGBP
Fund name | Fund size | Fr. CMBN weighting |
|---|---|---|
iShares STOXX Europe 600 Banks€EXV1 | €3.7B | 0.14% |
iShares MSCI World Small Cap$WSML | $9B | 0.03% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.03% |
iShares MSCI World Small Cap£WLDS | £6.7B | 0.03% |
iShares STOXX Europe 600€EXSA | €9.7B | 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.