Cembra Money Bank AG

0QPJ · LSE

85.60CHF+0.25 (+0.29%)

Price History

Full chart

Market Stats

Previous Close85.35

Open85.55

Day Range85.10 – 85.75

52-Week Range84.58 – 101.67

Volume3.03K

Market Cap2.76B

P/E (TTM)0.16

Forward P/E0.00

EPS5.49

Dividend Yield4.37%

Beta0.18

50-Day Avg69.61

200-Day Avg66.82

About

Cembra Money Bank AG provides consumer finance products and services in Switzerland. The company offers savings and deposit products; cash and personal loans, and auto loans and leasing products; credit card and invoice financing receivables; leasing services for new and used vehicles, including cars, light commercial vehicles, motorcycles, and caravans, as well as corporate leasing services; and investment securities comprising debt securities. It also provides financial protection products for involuntary unemployment, accident, illness, or disability; travel, cyber, and card protection insurance products; car insurance products; investment products; and credit cards, mobile payment, and online banking services. The company serves private and self-employed individuals, and small enterprises. It operates through a network of branches and online distribution channels; and credit card partners, independent intermediaries, and car dealers. The company was formerly known as GE Money Bank Aktiengesellschaft and changed its name to Cembra Money Bank AG in October 2013. Cembra Money Bank AG was founded in 1912 and is headquartered in Zurich, Switzerland.

Company Details

CEOMr. Holger Laubenthal
Employees744
HeadquartersBändliweg 20, Zurich, Switzerland, 8048, UK
Websitehttps://www.cembra.ch

Leadership

Mr. Holger LaubenthalCEO & Member of Management Board · b. 1972
Mr. Christoph GlaserCFO, Chief Risk Officer & Member of Management Board · b. 1971
Mr. Peter SchnellmannChief Sales Officer, Business Unit Leader of Lending & Member of the Management Board · b. 1973
Ms. Alona EidukaCOO & Member of Management Board · b. 1980
Mr. Eric AnlikerGeneral Counsel, Chief Compliance Officer & Member of the Management Board · b. 1968
Ms. Sandra BabylonCTO & Member of the Management Board · b. 1971
Mr. Bernardo de Barros FrancoChief Product Officer, Chief Customer & Growth Officer and Member of the Management Board · b. 1979
Annekathrin Krugel-FalkenbergHead Human Resources & Member of Management Board
Mr. Andreas SchindlerChief Auditor · b. 1971
Edina JungSenior Legal Counsel & Corporate Secretary

Financials

Income Statement

Currency: CHF	2007-12-31	2008-12-31	2009-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Revenue	370.25M	340.73M	337.08M	375.87M	333.39M	347.52M	338.56M	425.08M	420.52M	421.05M	459.60M	507.50M	524.09M	513.05M	538.25M	458.78M	655.71M	635.10M
Growth (%)	-	-7.98%	-1.07%	+11.51%	-11.30%	+4.24%	-2.58%	+25.56%	-1.07%	+0.13%	+9.16%	+10.42%	+3.27%	-2.11%	+4.91%	-14.76%	+42.92%	-3.14%
Cost of Revenue	-	-	-	-	-	-	-	80.04M	71.07M	69.80M	70.83M	72.86M	83.27M	66.31M	70.33M	-6.00K	655.71M	165.91M
Gross Profit	370.25M	340.73M	337.08M	375.87M	333.39M	347.52M	338.56M	345.04M	349.45M	351.25M	388.77M	507.50M	524.09M	513.05M	538.25M	458.79M	476.30M	468.62M
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	81.17%	83.10%	83.42%	84.59%	100.00%	100.00%	100.00%	100.00%	100.00%	72.64%	73.79%
Operating Expense	92.95M	14.11M	31.67M	90.54M	164.37M	155.60M	161.37M	161.48M	166.94M	167.95M	193.03M	304.62M	330.68M	312.57M	327.78M	262.61M	264.52M	245.23M
Operating Income	277.31M	326.61M	305.41M	285.33M	169.02M	191.93M	177.19M	183.56M	182.51M	183.31M	195.75M	202.88M	193.41M	200.48M	210.47M	196.17M	211.78M	223.38M
Operating Margin	74.90%	95.86%	90.61%	75.91%	50.70%	55.23%	52.34%	43.18%	43.40%	43.54%	42.59%	39.98%	36.90%	39.08%	39.10%	42.76%	32.30%	35.17%
EBITDA	302.11M	353.93M	314.47M	269.08M	224.89M	216.95M	205.54M	208.19M	201.30M	192.04M	208.75M	222.33M	219.93M	25.05M	25.95M	196.17M	238.61M	238.65M
EBITDA Margin	81.59%	103.87%	93.29%	71.59%	67.46%	62.43%	60.71%	48.98%	47.87%	45.61%	45.42%	43.81%	41.97%	4.88%	4.82%	42.76%	36.39%	37.58%
Net Income	75.27M	91.27M	87.47M	136.00M	133.13M	132.88M	139.85M	145.01M	143.71M	144.49M	154.13M	159.20M	152.92M	161.50M	169.30M	158.03M	170.40M	180.00M
Net Income Margin	20.33%	26.79%	25.95%	36.18%	39.93%	38.24%	41.31%	34.11%	34.17%	34.32%	33.53%	31.37%	29.18%	31.48%	31.45%	34.45%	25.99%	28.34%
Interest Expense	202.04M	235.35M	192.25M	110.69M	70.03M	61.06M	41.68M	20.15M	11.54M	11.49M	8.18M	14.70M	13.72M	13.30M	15.67M	35.31M	105.25M	92.33M
Interest Expense % of Total Revenue	54.57%	69.07%	57.03%	29.45%	21.01%	17.57%	12.31%	4.74%	2.74%	2.73%	1.78%	2.90%	2.62%	2.59%	2.91%	7.70%	16.05%	14.54%

Balance Sheet

Currency: CHF	2007-12-31	2008-12-31	2009-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Total Assets	6.53B	6.18B	6.05B	4.41B	4.44B	4.59B	4.81B	4.75B	4.86B	5.10B	5.44B	7.50B	7.26B	7.10B	7.63B	8.09B	7.95B	7.95B
Total Liabilities	5.55B	5.12B	5.23B	3.44B	3.36B	3.79B	3.97B	3.95B	4.01B	4.22B	4.51B	6.41B	6.13B	5.90B	6.35B	6.84B	6.67B	6.60B
Total Equity	973.71M	1.06B	824.33M	964.23M	1.08B	799.34M	842.38M	799.35M	848.20M	885.46M	933.45M	1.09B	1.13B	1.20B	1.27B	1.25B	1.29B	1.35B
Cash	44.21M	70.77M	322.94M	371.05M	367.87M	491.73M	622.33M	572.44M	668.95M	418.42M	499.32M	542.58M	599.00M	544.77M	632.64M	921.97M	817.87M	816.35M
Total Debt	6.38M	8.28M	11.32M	577.88M	734.32M	1.80B	1.70B	1.57B	1.52B	1.42B	1.50B	2.66B	2.59B	2.52B	2.63B	2.65B	2.91B	2.83B
Net Debt	-37.83M	-62.49M	-311.62M	206.83M	-367.87M	1.31B	1.08B	1.00B	850.81M	1.00B	998.44M	2.12B	1.99B	1.97B	2.00B	1.73B	2.91B	2.01B

Cash Flow

Currency: CHF	2007-12-31	2008-12-31	2011-12-31	2012-12-31	2013-12-31	2014-12-31	2015-12-31	2016-12-31	2017-12-31	2018-12-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31	2023-12-31	2024-12-31	2025-12-31
Operating Cash Flow	406.36M	85.22M	504.12M	196.43M	135.79M	178.38M	201.85M	189.68M	263.29M	223.88M	252.39M	233.26M	174.61M	243.42M	188.53M	260.64M	219.40M
Investing Cash Flow	-13.88M	-7.42M	-3.23M	-61.52M	-12.56M	-144.91M	-47.48M	-70.32M	-560.93M	-316.83M	-605.85M	229.13M	34.45M	-471.87M	-233.44M	-112.57M	-58.77M
Financing Cash Flow	-373.50M	-51.24M	-1.13B	-160.26M	641.00K	97.13M	-212.80M	-37.34M	48.62M	174.43M	398.89M	-405.12M	-258.63M	297.64M	352.89M	-288.63M	-162.16M
Capital Expenditure	14.87M	11.62M	3.23M	556.00K	1.80M	2.26M	14.18M	4.43M	8.86M	21.22M	1.23B	1.28B	1.33B	1.53B	1.61B	10.30M	11.99M
Free Cash Flow	391.49M	73.60M	500.89M	195.87M	133.98M	176.13M	187.67M	185.25M	254.43M	202.67M	-977.80M	-1.04B	-1.16B	-1.29B	-1.42B	250.34M	207.41M
Dividends Paid	-	-	-	-	469.80M	85.50M	93.00M	94.46M	125.47M	100.10M	105.73M	110.23M	110.18M	112.97M	115.93M	117.39M	124.69M
FCF to OCF	96.34%	86.37%	99.36%	99.72%	98.67%	98.73%	92.98%	97.66%	96.64%	90.52%	-387.41%	-447.48%	-664.02%	-529.19%	-751.72%	96.05%	94.53%
Dividend Paid to FCF	-	-	-	-	350.64%	48.54%	49.55%	50.99%	49.31%	49.39%	-10.81%	-10.56%	-9.50%	-8.77%	-8.18%	46.89%	60.12%

Earnings

Report Date	Feb 18, 2027
EPS Estimate	-
EPS Actual	-
Surprise	-
Timing	Pre-market

Key Statistics & Ratios

Market Cap2.76B

Enterprise Value4.77B

Trailing P/E0.16

Forward P/E0.00

Price / Sales5.90

Price / Book0.00

EPS5.49

Book Value43.52

Revenue (TTM)463.70M

Gross Profit (TTM)463.70M

Profit Margin39.82%

Operating Margin49.66%

Return on Equity14.65%

Return on Assets2.36%

Shares Outstanding28.19M

Shares Float29.23M

Beta0.18

Dividend Yield4.37%

Dividend Rate0.00

Payout Ratio0.00%

Dividends

20261×

4.60Apr 28, 2026

20251×

4.25Apr 28, 2025

20241×

4.00Apr 26, 2024

20231×

3.95Apr 25, 2023

20221×

3.85Apr 25, 2022

20211×

3.75Apr 26, 2021

20201×

3.75Apr 20, 2020

20191×

3.75Apr 23, 2019

20181×

3.00Apr 20, 2018

20171×

1.00Apr 28, 2017

20161×

3.35Apr 29, 2016

20151×

3.10May 4, 2015