1. Switzerland Stocks

  2. •

    Finance

  3. •

    Regional banks
Cembra Money Bank AG

Cembra Money Bank AG

95.00
EUR
0.00
(0.00%)
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
31
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
- -
- -
- -

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 is a leading Swiss provider of consumer finance products and services. The company offers personal loans through branches, independent intermediaries and online channels; auto loans and leasing via a network of approximately 3,200 car dealers and dedicated field agents; credit cards including co-branded offerings with partners such as Conforama, FNAC, IKEA, LIPO, SPAR and TCS, as well as proprietary cards like the Certo! family launched in July 2022 that support mobile payments including Apple Pay and Google Pay; buy now pay later solutions under CembraPay encompassing invoice financing for online and point-of-sale channels; insurance products providing protection against involuntary unemployment, accident, illness or disability, alongside travel, card and car insurance; and savings and deposit products at competitive rates for retail and institutional clients. Cembra Money Bank operates nationwide in Switzerland through 25 branches, online platforms, credit card partners and car dealers, serving over 2 million customers including private individuals, self-employed persons and small to medium enterprises. Founded in 1912 and headquartered in Zurich, the company, formerly GE Money Bank Aktiengesellschaft until its rebranding in October 2013, maintains segments in lending and payments, and is listed on the SIX Swiss Exchange. Recent developments include partnerships with Globus and Zalando for buy now pay later growth launching in 2025; consolidation of the BNPL portfolio by exiting non-core invoice processing; launch of an inaugural auto covered bond programme with CHF 150 million issued in June 2025 and a full programme rollout; new insurance offerings and proprietary BNPL decisioning tools; and full rollout of invoice service Scan2Pay, alongside strong H1 2025 financials with net income up 11%.