Cembra Money Bank AG

Cembra Money Bank AG

CMBNF
Cembra Money Bank AGUS flagOther OTC
126.00
USD
- -
- -
3.69BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
Revenue per Share
11.52
12.46
13.42
14
14.06
15.69
16.77
17.13
16.58
17.34
17.58
18.77
18.5
Basic EPS, GAAP
4.43
4.67
5.04
5.1
5.13
5.47
5.53
5.21
5.5
5.77
5.39
5.81
6.13
Free Cash Flow per Basic Share
4.47
5.35
6.52
6.57
9.03
7.19
8.17
7.46
5.6
7.38
6.12
8.54
7.08
Dividend per Share
15.66
2.85
3.23
3.35
4.45
3.55
3.67
3.75
3.75
3.85
3.95
4
4.25
Book Value per Share
5.46
10.13
15.54
20.97
25.1
30.02
30.91
31.74
33.48
35.43
35.04
36.86
38.75
Tangible Book Value per Share
26.57
27.54
26.84
29.25
29.96
31.38
29.21
30.24
33.13
35.63
35.23
36.86
39.05
Basic Weighted Avg Shares
30
30
29
28
28
28
29
29
29
29
29
29
29
Sales/Revenue/Turnover
346
373
386
395
396
442
483
503
487
509
516
550
542
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
2
4
8
9
13
19
27
25
26
27
27
18
Net Income, GAAP
133
140
145
144
144
154
159
153
161
169
158
170
180
Effective Tax Rate (%)
21.19
21.07
21
21
21.18
21.26
21.53
20.93
19.45
19.56
19.44
19.54
19.62
Profit Margin (%)
38.44
37.46
37.52
36.41
36.46
34.84
32.99
30.38
33.16
33.27
30.65
30.96
33.12
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
1,300
1,400
1,571
1,520
1,421
1,498
2,658
2,594
2,516
2,633
3,114
2,910
2,827
Total Equity
799
842
799
848
885
933
1,091
1,127
1,200
1,274
1,250
1,285
1,345
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
57.22
59.85
38.62
27.67
22.25
19.84
18.34
16.79
16.86
16.73
15.28
16.16
16.2

Capital Structure

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Working Capital

FRC

in mil. unless spec.
No data availableFinancial data will appear here once available

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
5.44%
3.65%
4.69%
Free Cash Flow
3.68%
2.36%
-17.15%
Net Income, GAAP
2.26%
3.4%
5.38%
Sales/Revenue/Turnover
3.54%
1.56%
-1.5%
Total Cash Common Dividend
3.66%
2.52%
6.22%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
516
2024
- -
- -
- -
- -
550
2025
- -
- -
- -
- -
542

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
5.39
2024
- -
- -
- -
- -
5.81
2025
- -
- -
- -
- -
6.13

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
3.95
2024
- -
- -
- -
- -
4
2025
- -
- -
- -
- -
4.25

Company Description

APIChatGPT
CEO
Holger Laubenthal
Full Time Employees
743
Sector
Financial Services
Industry
Banks - Regional
Address
Bändliweg 20 Zurich ZH Switzerland 8048
IPO Date
Mar 25, 2022
Website
cembra.ch
Business
Cembra Money Bank AG operates as a prominent provider of consumer finance offerings and associated services throughout Switzerland. The bank delivers a comprehensive array of financial solutions, encompassing personal loans, alongside vehicle financing and leasing arrangements for both new and pre-owned automobiles, light commercial vehicles, and recreational vehicles. Furthermore, it manages a leading credit card portfolio, including proprietary card families and partner-branded options, which support various mobile payment methods. Cembra’s product suite extends to include flexible payment options such as invoice financing through its CembraPay unit, which integrates services like buy now, pay later features, notably through the TWINT application. Customers also benefit from diverse insurance products providing financial protection against involuntary unemployment, accidents, illness, or disability, as well as travel and card protection policies. Additionally, the institution offers attractive savings and deposit accounts to a broad clientele. Serving private individuals, self-employed professionals, and small to medium-sized enterprises across Switzerland, Cembra facilitates its extensive services through its own network of branches, sophisticated online channels, alliances with credit card partners, independent intermediaries, and a substantial network of car dealerships. The company has been advancing its strategic transformation, dubbed "Reimagine Cembra," since late 2021, focusing on enhancing digital customer experiences and operational efficiency. Recent efforts include the appointment of a Chief Customer & Growth Officer to bolster innovation and digital capabilities. With roots tracing back to 1912, Cembra Money Bank AG has been listed as an independent Swiss bank on the SIX Swiss Exchange since its initial public offering in November 2013, maintaining its headquarters in Zurich.