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Key financial summary
Financials in CHF| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | CHF m | 510 | 500 | 523 | 384 | 445 | 543 | 542 | - |
| Operating profit | CHF m | 223 | 230 | ||||||
| Net profit | CHF m | 153 | 161 | 169 | 158 | 170 | 180 | 185 | 193 |
| EPS reported | CHF | 6.11 | 6.24 | ||||||
| Operating cashflow per share | CHF | 7.31 | 9.36 | ||||||
| Capex per share | CHF | 0.40 | 0.46 | ||||||
| FCF per share | CHF | 6.91 | 8.90 | ||||||
| Free cash flow | CHF m | 207 | 261 | ||||||
| Net debt | CHF m | 2,046 | 2,223 | ||||||
| Book value equity | CHF m | 1,345 | 1,274 | ||||||
| Book value per share | CHF | 44.85 | 43.48 | ||||||
| Number of shares | m | 30 | 29.3 | ||||||
| DPS (TTM paid) | CHF | 5.60 | 5.60 |
Financial summary
Financials in CHF| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 16.26 | - | ||||||
| P/B LTM | x | 2.22 | 1.99 | ||||||
| P/S LTM | x | 5.49 | 4.69 | ||||||
| P/FCF LTM | x | 14.37 | 9.74 | ||||||
| EV/EBITDA LTM | x | 20.78 | 18.96 | ||||||
| EV/Sales LTM | x | 7.91 | 8.79 | ||||||
| Earnings Yield LTM | % | 6.15% | 7.28% | ||||||
| FCF Yield | % | 6.96% | 10.27% | ||||||
| Quality | |||||||||
| ROE | % | 13.38% | 14.13% | ||||||
| ROIC | % | 3.45% | 2.38% | ||||||
| Operating margin | % | 35.17% | 36.53% | ||||||
| Gross margin | % | 73.79% | 73.81% | ||||||
| FCF/Sales | % | 32.66% | 41.53% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +5.34% | +2.30% | ||||||
| Sales Growth YoY | % | +21.92% | +15.05% | ||||||
| Net Income Growth YoY | % | +5.64% | +3.24% | ||||||
| FCF Growth | % | -17.15% | +71.76% | ||||||
| Operating Profit Growth | % | -21.87% | +3.03% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 4.18% | 6.50% | ||||||
| Dividend Growth | % | +31.76% | +31.76% | ||||||
| Payout Ratio | % | 68.03% | 69.27% | ||||||
| FCF/Debt | x | 0.07 | 0.10 | ||||||
| Net Debt/EBITDA | x | 8.46 | 8.85 | ||||||
| EBIT/Net interest | x | 2.42 | 2.67 | ||||||
| Net debt/market cap | % | 68.63% | 87.50% | ||||||
| Net debt/Equity | x | 1.52 | 1.74 | ||||||
| Gross debt/equity | x | 2.10 | 2.14 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Cembra Money Bank AG (CMBN.SW)
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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