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XSWXCMBN
Market cap2.66bUSD
Dec 20, Last price  
81.05CHF
1D
0.19%
1Q
3.78%
Jan 2017
9.23%
IPO
44.09%
Name

Cembra Money Bank AG

Chart & Performance

D1W1MN
XSWX:CMBN chart
P/E
15.04
P/S
4.02
EPS
5.39
Div Yield, %
4.88%
Shrs. gr., 5y
0.81%
Rev. gr., 5y
8.72%
Revenues
459m
-14.76%
370,255,000340,727,000337,081,000375,865,000353,703,000347,522,000338,556,000345,042,000349,450,000351,254,000388,774,000507,496,000524,087,000513,051,000538,250,000458,780,000
Net income
158m
-6.66%
75,270,00091,266,00087,470,000135,999,000134,028,000132,877,000139,850,000145,015,000143,707,000144,492,000154,126,000159,199,000152,922,000161,495,000169,300,000158,033,000
CFO
189m
-22.55%
406,360,00085,216,000504,120,000467,316,000135,787,000178,384,000201,852,000189,679,000263,286,999223,884,000252,391,000233,264,000174,609,000243,421,000188,531,000
Dividend
Apr 26, 20244 CHF/sh
Earnings
Feb 20, 2025

Profile

Cembra Money Bank AG provides consumer finance products and services in Switzerland. The company offers savings products, including medium-term notes and deposit accounts; loans comprising cash, consumer, personal, business, and auto loans; credit card receivables; and leasing services for new and used vehicles, including cars, light commercial vehicles, motorcycles, and caravans, as well as corporate leasing services. It also provides financial protection products in case of involuntary unemployment, accident, illness, or disability; travel and flight, and card protection insurance products; investment products; and credit cards, mobile payment, and e-services. In addition, the company offers financing solutions to small businesses under the Cembra Business brand, as well as invoice financing services. The company serves private and self-employed individuals, and small and medium enterprises. It operates through a network of branches, as well as through various sales channels, such as the internet, credit card partners, independent intermediaries, and approximately 4,000 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.
IPO date
Oct 30, 2013
Employees
950
Domiciled in
CH
Incorporated in
CH

Valuation

Title
CHF in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
458,780
-14.76%
538,250
4.91%
513,051
-2.11%
Cost of revenue
(39,836)
115,282
107,261
Unusual Expense (Income)
NOPBT
498,616
422,968
405,790
NOPBT Margin
108.68%
78.58%
79.09%
Operating Taxes
38,140
41,169
38,986
Tax Rate
7.65%
9.73%
9.61%
NOPAT
460,476
381,799
366,804
Net income
158,033
-6.66%
169,300
4.83%
161,495
5.61%
Dividends
(115,930)
(112,971)
(110,181)
Dividend yield
6.02%
5.00%
5.64%
Proceeds from repurchase of equity
(1,080)
310,722
(75,734)
BB yield
0.06%
-13.76%
3.88%
Debt
Debt current
455,082
455,859
356,439
Long-term debt
2,658,814
2,176,921
2,159,404
Deferred revenue
3,162,943
2,887,944
Other long-term liabilities
3,379,531
207,138
174,105
Net debt
2,093,666
1,902,799
(4,036,706)
Cash flow
Cash from operating activities
188,531
243,421
174,609
CAPEX
(8,965)
(11,772)
(9,968)
Cash from investing activities
(233,438)
(471,870)
34,450
Cash from financing activities
352,890
297,644
(258,635)
FCF
430,840
385,395
373,317
Balance
Cash
921,974
632,644
544,769
Long term investments
98,256
97,337
6,007,780
Excess cash
997,291
703,068
6,526,896
Stockholders' equity
1,028,452
1,053,181
977,133
Invested Capital
6,730,126
6,560,302
5,783,695
ROIC
6.93%
6.19%
6.24%
ROCE
6.45%
5.80%
5.99%
EV
Common stock shares outstanding
29,370
29,373
29,395
Price
65.60
-14.69%
76.90
15.73%
66.45
-38.01%
Market cap
1,926,687
-14.70%
2,258,790
15.64%
1,953,281
-38.02%
EV
4,020,353
4,161,589
(2,083,425)
EBITDA
526,112
448,923
430,835
EV/EBITDA
7.64
9.27
Interest
74,908
15,672
13,297
Interest/NOPBT
15.02%
3.71%
3.28%