Cembra Money Bank CMBN.SW
SwitzerlandFinancial Services · Banks - RegionalSIX Swiss Exchange · CHF
95.23 CHF (+10.0%)
3 analysts
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Cembra Money Bank is a Swiss bank specializing in consumer finance, offering personal loans, credit cards, and payment solutions to individuals and small businesses.
Listed on SIX Swiss Exchange · Symbol CMBN.SW · SWX: CMBN · Currency CHF
Key points
from its scores- ✓High-quality business9.7
- ✓Favourable backdrop8.7
- ✓Attractive dividend7.4
- ✕Poor share-price trend2.5
- ✕Weak growth4.5
AI analysis
bottom line, main risk, context and newsQuality and dividend are attractive, but lack of growth and weak momentum limit short-term upside potential.
Cembra Money Bank shows solid profitability (ROE 14.65%, operating margin 49.66%) and a reasonable valuation (P/E 13.79), but revenue growth is negative (-2.10%) and momentum is weak (2.51), suggesting a stable business without clear catalysts.
The main risk is dependence on consumer credit in Switzerland, a mature and competitive market, with negative revenue growth that could indicate saturation or competitive pressure.
Context and risks
Cembra Money Bank operates in Switzerland, a country with solid institutions and minority shareholder protection, but the banking sector is under active regulatory review regarding capital and governance. The country's moderate governance/regulatory risk applies directly to its business profile.
Is Cembra Money Bank stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades in line with the Financial Services median (within 15%).
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 13.8 | 13.7 | +1% |
| Price / book | 2.0 | 1.9 | +7% |
| Price / sales | 5.6 | 3.5 | +62% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 5.1 out of 10 (median for Financial Services: 5.2).
Average analyst target: 95.23 CHF, +10.0% versus the price.
Classic formulas with standard assumptions (10.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 13.8
- Forward P/E
- 12.1
- Price / book
- 2.0
- Price / sales
- 5.6
- PEG
- 2.13
- Market cap
- 2.6B CHF
- Enterprise value
- 4.8B CHF
Profitability
- ROE
- 14.7%
- ROA
- 2.4%
- ROIC (approx.)
- 5.7%
- Gross margin
- 0.0%
- Operating margin
- 49.7%
- Net margin
- 39.8%
Solvency
- Total debt
- 2.7B CHF
- Net debt
- 2.2B CHF
- Cash
- 494.9M CHF
Growth
- Revenue growth
- −2.1%
- Earnings growth
- +5.7%
- EPS (TTM)
- 6.28 CHF
- EPS (forward)
- 7.14 CHF
Dividend
- Dividend yield
- 5.3%
- Payout
- 73.2%
Risk and market
- Beta
- 0.17
- Analyst consensus
- Hold (3)
- Target price
- 95.23 CHF
- 52-week range
- 84.50 – 105.50
Recent news
All CMBN.SW news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Cembra Money Bank
Is Cembra Money Bank stock cheap or expensive?
On P/E and Price / book, it trades in line with the Financial Services median (within 15%). Valuation score: 5.1 out of 10 (median for Financial Services: 5.2). Average analyst target: 95.23 CHF, +10.0% versus the price. This is not investment advice.
What score does Cembra Money Bank get on MeridIAn Screener?
It scores 6.7 out of 10, rank 370 of 2,130 (better than 80% of the companies analysed). Its strongest category is Quality / Moat (9.7) and its weakest, Momentum (2.5). Analysis of 08/10/2026.
What is Cembra Money Bank's P/E ratio?
Its P/E is 13.8: the share price equals 13.8 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 12.1.
How much is Cembra Money Bank worth on the stock market?
Its market capitalisation is 2.6B CHF.
Does Cembra Money Bank pay a dividend?
Yes: its dividend yield is 5.31% and it pays out 73% of its earnings.
How has Cembra Money Bank stock performed over the last year?
It has fallen 1.2% over the last year, excluding dividends. Over the last 52 weeks it has traded between 84.50 and 105.50 CHF. Past performance does not guarantee future results.
What do analysts think of Cembra Money Bank?
3 analysts cover it; their average recommendation is “Hold” and their average target is 95.23 CHF (+10.0% versus the price). It is an estimate, not market data.