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
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.
Valuation
Title CHF in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY | FY | FY |
---|---|---|---|---|---|---|---|---|---|---|
2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | 2015‑12 | 2014‑12 | |
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% |