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Cembra Money Bank AG

Cembra Money Bank AG

CMBN · SW · Financial Services / Banks - Regional

85.45CHF-0.10 (-0.12%)

Price History

Full chart

Market Stats

Previous Close85.55
Open85.45
Day Range85.05 – 85.80
52-Week Range84.44 – 100.71
Volume69.04K
Market Cap2.56B
P/E (TTM)13.64
Forward P/E11.83
EPS6.28
Dividend Yield5.37%
Beta0.18
50-Day Avg87.90
200-Day Avg94.76

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

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Holger Laubenthal
  • Employees744
  • HeadquartersBändliweg 20, Zurich, Switzerland, 8048, Switzerland
  • 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: CHF2007-12-312008-12-312009-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue370.25M340.73M337.08M375.87M353.70M347.52M338.56M345.04M349.45M351.25M388.77M507.50M524.09M513.05M538.25M458.78M550.45M635.10M
Growth (%)--7.98%-1.07%+11.51%-5.90%-1.75%-2.58%+1.92%+1.28%+0.52%+10.68%+30.54%+3.27%-2.11%+4.91%-14.76%+19.98%+15.38%
Cost of Revenue-----000000-----131.82M105.25M165.91M
Gross Profit370.25M340.73M337.08M375.87M353.70M347.52M338.56M345.04M349.45M351.25M388.77M507.50M524.09M513.05M538.25M590.60M550.45M468.62M
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%128.73%100.00%73.79%
Operating Expense92.95M14.11M31.67M90.54M112.11M155.60M161.37M161.48M166.94M167.95M193.03M304.62M330.68M312.57M327.78M394.43M264.52M245.23M
Operating Income277.31M326.61M305.41M285.33M241.59M191.93M177.19M183.56M182.51M183.31M195.75M202.88M193.41M200.48M210.47M196.17M285.93M223.38M
Operating Margin74.90%95.86%90.61%75.91%68.30%55.23%52.34%53.20%52.23%52.19%50.35%39.98%36.90%39.08%39.10%42.76%51.94%35.17%
EBITDA302.11M353.93M314.47M269.08M226.12M216.95M-1.05M-3.01M201.30M192.04M208.75M222.33M413.35M225.53M236.43M223.67M238.61M241.85M
EBITDA Margin81.59%103.87%93.29%71.59%63.93%62.43%-0.31%-0.87%57.60%54.67%53.69%43.81%78.87%43.96%43.93%48.75%43.35%38.08%
Net Income75.27M91.27M87.47M136.00M134.03M132.88M139.85M145.01M143.71M144.49M154.13M159.20M152.92M161.50M169.30M158.03M170.40M180.00M
Net Income Margin20.33%26.79%25.95%36.18%37.89%38.24%41.31%42.03%41.12%41.14%39.64%31.37%29.18%31.48%31.45%34.45%30.96%28.34%
Interest Expense202.04M235.35M192.25M110.69M70.03M61.06M41.68M20.15M11.54M11.49M8.18M14.70M13.72M13.30M15.67M74.91M105.25M92.33M
Interest Expense % of Total Revenue54.57%69.07%57.03%29.45%19.80%17.57%12.31%5.84%3.30%3.27%2.10%2.90%2.62%2.59%2.91%16.33%19.12%14.54%

Balance Sheet

Currency: CHF2007-12-312008-12-312009-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets6.53B6.18B6.05B4.41B4.43B4.59B4.81B4.75B4.86B5.10B5.44B7.50B7.26B7.10B7.66B8.09B7.95B7.94B
Total Liabilities5.55B5.12B5.23B3.44B3.34B3.79B3.97B3.95B4.01B4.21B4.51B6.41B6.13B5.90B6.38B6.84B6.66B6.60B
Total Equity973.71M1.06B824.33M964.23M1.10B799.34M842.38M799.35M848.20M885.46M933.45M1.09B1.13B1.20B1.27B1.25B1.29B1.35B
Cash44.21M70.77M322.94M371.05M362.82M491.73M622.33M572.44M668.95M418.42M499.32M542.58M599.00M544.77M632.64M921.97M793.20M780.98M
Total Debt6.38M8.28M11.32M577.88M734.32M1.30B1.40B1.57B1.52B1.42B1.50B2.66B2.59B2.52B2.63B3.11B2.91B2.83B
Net Debt-37.83M-62.49M-311.62M206.83M371.49M807.81M777.37M1.00B850.81M1.00B998.44M2.12B1.99B1.97B2.00B2.19B2.12B2.05B

Cash Flow

Currency: CHF2007-12-312008-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow406.36M85.22M504.12M467.32M135.79M178.38M201.85M189.68M263.29M223.88M252.39M233.26M174.61M243.42M188.53M260.64M219.40M
Investing Cash Flow-13.88M-7.42M-3.23M-1.48M-12.56M-144.91M-38.95M-55.83M-560.93M-316.83M-605.85M229.13M34.45M-471.87M-233.44M-112.57M-58.77M
Financing Cash Flow-373.50M-51.24M-1.13B-474.06M641.00K97.13M-212.80M-37.34M48.62M174.43M398.89M-405.12M-258.63M297.64M352.89M-288.63M-162.16M
Capital Expenditure14.87M11.62M3.23M1.48M1.80M2.26M730.97M761.59M1.04B954.66M17.17M14.03M9.97M11.77M8.96M10.30M11.99M
Free Cash Flow391.49M73.60M500.89M465.84M133.98M176.13M-529.12M-571.91M-776.55M-730.78M235.22M219.23M164.64M231.65M179.57M250.34M207.41M
Dividends Paid----469.80M85.50M93.00M94.46M125.47M100.10M105.73M110.23M110.18M112.97M115.93M117.39M124.69M
FCF to OCF96.34%86.37%99.36%99.68%98.67%98.73%-262.13%-301.52%-294.95%-326.41%93.20%93.98%94.29%95.16%95.24%96.05%94.53%
Dividend Paid to FCF----350.64%48.54%-17.58%-16.52%-16.16%-13.70%44.95%50.28%66.92%48.77%64.56%46.89%60.12%

Earnings

Report DateAug 19, 2015Feb 23, 2016Aug 18, 2016Feb 23, 2017Jul 25, 2017Feb 22, 2018Jul 24, 2018Feb 22, 2019Jul 23, 2019Feb 21, 2020Jul 23, 2020Feb 19, 2021Jul 22, 2021Feb 16, 2022Jul 21, 2022Feb 23, 2023Feb 18, 2025Jul 24, 2025Feb 19, 2026Feb 18, 2027
EPS Estimate0.002.672.600.000.002.512.822.690.002.790.002.690.00--2.380.003.343.41-
EPS Actual2.672.672.552.552.462.662.752.712.792.742.522.682.685.493.082.683.131.483.14-
Surprise-0.00%-1.92%--5.98%-2.48%0.74%--1.79%--0.37%---12.61%--55.69%-7.92%-
Timing-------------Pre-marketPre-marketPre-market-After-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap2.56B
Enterprise Value4.74B
Trailing P/E13.64
Forward P/E11.83
PEG Ratio0.00
Price / Sales5.52
Price / Book2.02
EPS6.28
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 Outstanding29.87M
Shares Float29.23M
Beta0.18
Dividend Yield5.37%
Dividend Rate4.60
Payout Ratio146.50%

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×
3.45Apr 28, 2017
20161×
3.35Apr 29, 2016
20151×
3.10May 4, 2015
20141×
2.85May 15, 2014