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XSWX
CMBN
Market cap3.23bUSD
Apr 04, Last price  
94.80CHF
1D
-4.34%
1Q
13.13%
Jan 2017
27.76%
IPO
68.53%
Name

Cembra Money Bank AG

Chart & Performance

D1W1MN
P/E
16.31
P/S
5.05
EPS
5.81
Div Yield, %
4.22%
Shrs. gr., 5y
0.40%
Rev. gr., 5y
1.64%
Revenues
550m
+19.98%
370,255,000340,727,000337,081,000375,865,000353,703,000347,522,000338,556,000345,042,000349,450,000351,254,000388,774,000507,496,000524,087,000513,051,000538,250,000458,780,000550,454,000
Net income
170m
+7.82%
75,270,00091,266,00087,470,000135,999,000134,028,000132,877,000139,850,000145,015,000143,707,000144,492,000154,126,000159,199,000152,922,000161,495,000169,300,000158,033,000170,397,000
CFO
261m
+38.25%
406,360,00085,216,000504,120,000467,316,000135,787,000178,384,000201,852,000189,679,000263,286,999223,884,000252,391,000233,264,000174,609,000243,421,000188,531,000260,645,000
Dividend
Apr 28, 20254.25 CHF/sh
Earnings
Apr 24, 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
2024‑122023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
550,454
19.98%
458,780
-14.76%
538,250
4.91%
Cost of revenue
97,052
(39,836)
115,282
Unusual Expense (Income)
NOPBT
453,402
498,616
422,968
NOPBT Margin
82.37%
108.68%
78.58%
Operating Taxes
41,384
38,140
41,169
Tax Rate
9.13%
7.65%
9.73%
NOPAT
412,018
460,476
381,799
Net income
170,397
7.82%
158,033
-6.66%
169,300
4.83%
Dividends
(117,394)
(115,930)
(112,971)
Dividend yield
4.87%
6.02%
5.00%
Proceeds from repurchase of equity
(2,117)
(1,080)
310,722
BB yield
0.09%
0.06%
-13.76%
Debt
Debt current
455,082
455,859
Long-term debt
2,658,814
2,176,921
Deferred revenue
3,162,943
Other long-term liabilities
3,379,531
207,138
Net debt
(983,057)
2,093,666
1,902,799
Cash flow
Cash from operating activities
260,645
188,531
243,421
CAPEX
(10,300)
(8,965)
(11,772)
Cash from investing activities
(112,566)
(233,438)
(471,870)
Cash from financing activities
(288,630)
352,890
297,644
FCF
420,104
430,840
385,395
Balance
Cash
793,201
921,974
632,644
Long term investments
189,856
98,256
97,337
Excess cash
955,534
997,291
703,068
Stockholders' equity
1,080,890
1,028,452
1,053,181
Invested Capital
6,993,197
6,730,126
6,560,302
ROIC
6.00%
6.93%
6.19%
ROCE
5.70%
6.45%
5.80%
EV
Common stock shares outstanding
29,382
29,370
29,373
Price
82.00
25.00%
65.60
-14.69%
76.90
15.73%
Market cap
2,409,343
25.05%
1,926,687
-14.70%
2,258,790
15.64%
EV
1,426,286
4,020,353
4,161,589
EBITDA
480,227
526,112
448,923
EV/EBITDA
2.97
7.64
9.27
Interest
105,251
74,908
15,672
Interest/NOPBT
23.21%
15.02%
3.71%