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  2. •

    Finance

  3. •

    Regional banks
Cembra Money Bank AG

Cembra Money Bank AG

107.82
USD
-18.18
(-14.43%)
Feb 18Next Earn
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
TTM
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
26.68
28.12
28.35
30.09
31.42
33.12
37.12
38.37
40.85
43.43
42.6
43.83
45.92
45.92
Tangible Book Value per Share
26.6
27.54
27.41
29.26
29.96
31.38
28.62
30.25
33.12
35.64
35.24
36.87
39.07
39.07
Basic Weighted Avg Shares
30
30
29
28
28
28
29
29
29
29
29
29
29
37
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
2,827
Total Equity
799
842
799
848
885
933
1,091
1,127
1,200
1,274
1,250
1,285
1,345
1,345
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
7.42
6.44
6.29
6.07
6.18
6.51
5.15
4.09
4.34
4.44
3.82
3.98
4.29
- -
Return on Common Equity (%)
14.13
17.04
17.67
17.44
16.67
16.95
15.73
13.79
13.88
13.68
12.52
13.44
13.65
- -

Capital Structure

CHF

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
29
29
29
Market Capitalization
2,372
- -
- -

Working Capital

CHF

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
793
743
781
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

CHF

•

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%

Semi-annual Revenue

CHF

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
516
2024
- -
- -
550
2025
- -
- -
542

Semi-annual Earnings Per Share

CHF

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
5.39
2024
- -
- -
5.81
2025
- -
- -
6.13

Semi-annual Dividends Per Share

CHF

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
3.95
2024
- -
- -
4
2025
- -
- -
4.25

Company Description

Company Profile APIChatGPT
CEO
Holger Laubenthal
Full Time Employees
773
Sector
Finance
Industry
Regional banks
Address
Bändliweg 20 Zurich ZH Switzerland 8048
IPO Date
Oct 30, 2013
Website
cembra.ch
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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.