Cembra Money Bank (CMBN.SW) Stock Price
Cembra Money Bank Price
Cembra Money Bank (CMBN.SW) Stock | ISIN CH0225173167 | WKN A1W65V. The current Cembra Money Bank stock price is 95.95 CHF (2026). Revenue is 558.89 M CHF. Net income is 208.52 M CHF. The P/E ratio is 13.52. Market capitalization is 2.88 B CHF. Cembra Money Bank operates in the Finance sector.
Cembra Money Bank stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Cembra Money Bank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Cembra Money Bank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Cembra Money Bank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
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Cembra Money Bank Revenue, EBIT, Net Income
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Cembra Money Bank Income Statement, Balance Sheet, Cash Flow Statement
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Cembra Money Bank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Cembra Money Bank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Cembra Money Bank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Cembra Money Bank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Cembra Money Bank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Cembra Money Bank stock margins
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Cembra Money Bank Stock Revenue, EBIT, Earnings per Share
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Cembra Money Bank business model & stock analysis
Cembra Money Bank SWOT Analysis
Strengths
Cembra Money Bank AG possesses several strengths that contribute to its success and competitiveness. Firstly, the bank has a strong market presence with a wide customer base, allowing it to generate stable revenue streams. Secondly, the bank benefits from a diversified product portfolio, which includes personal loans, credit cards, and auto financing, enabling it to cater to different customer needs. Additionally, Cembra Money Bank AG has a solid financial position with a high level of capital adequacy and strong profitability, indicating its ability to withstand economic uncertainties.
Weaknesses
Despite its strengths, Cembra Money Bank AG also faces certain weaknesses that may pose challenges to its growth. One notable weakness is the bank's limited geographical presence, primarily operating within Switzerland. This restricts its potential for expansion into new markets and exposes it to local economic fluctuations. Moreover, the bank heavily relies on a traditional brick-and-mortar branch network, which may deter tech-savvy customers seeking convenient digital banking solutions.
Opportunities
There are several opportunities that Cembra Money Bank AG could potentially leverage to enhance its position in the market. With the increasing trend of digital banking and rising customer expectations for seamless online experiences, the bank has the opportunity to invest in technological advancements and develop user-friendly digital platforms. Expanding its geographical reach beyond Switzerland, particularly in neighboring countries with favorable economic conditions, could also unlock significant growth opportunities for the bank. Additionally, the bank can explore strategic partnerships with fintech companies to tap into innovative financial products and services.
Threats
Cembra Money Bank AG faces various threats that may impact its business operations. One significant threat is the intense competition within the banking sector, both from traditional banks and emerging fintech players. This competition can exert pressure on the bank's market share and profitability. Additionally, regulatory changes and compliance requirements, particularly in the financial industry, pose a significant threat to the bank's operations. The bank must stay updated and adapt to changing regulations to mitigate potential risks. Economic downturns or financial crises can also pose threats to the bank's stability and profitability.
Cembra Money Bank Eulerpool Fair Value
Cembra Money Bank historical P/E ratio, EBIT multiple, and P/S ratio
Cembra Money Bank annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Cembra Money Bank shares outstanding
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Cembra Money Bank Dividend History
12 years of dividend payments · 2 consecutive increases
Cembra Money Bank dividend history and estimates
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Cembra Money Bank dividend payout ratio
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Cembra Money Bank Earnings Estimates
Cembra Money Bank Earnings Estimates
| Date | EPS estimate | Revenue Estimate | Quarterly report |
|---|---|---|---|
| 2/19/2021 | 2.74CHF | 258.82 MCHF | 2020 Q4 |
| 2/21/2020 | 2.85CHF | -CHF | 2019 Q4 |
| 2/22/2019 | 2.74CHF | 216.19 MCHF | 2018 Q4 |
| 7/24/2018 | 2.88CHF | 218.22 MCHF | 2018 Q2 |
| 2/22/2018 | 2.56CHF | 199.95 MCHF | 2017 Q4 |
| 8/18/2016 | 2.65CHF | 195.69 MCHF | 2016 Q2 |
| 2/23/2016 | 2.72CHF | -CHF | 2015 Q4 |
| 2/26/2015 | 2.55CHF | 199.95 MCHF | 2014 Q4 |
EESG©
Eulerpool ESG Scorecard© for the Cembra Money Bank stock
EEnvironment
20
Environment
SSocial
20
Social
GGovernance (Corporate Governance)
4
Governance (Corporate Governance)
The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.
Cembra Money Bank shareholder structure
| % | Name |
|---|---|
13.86673% | |
4.30626% | |
3.07359% | |
3.05% | |
3.02173% | |
2.78459% | |
2.29246% | |
1.67404% | |
1.44333% | |
0.85984% |
Cembra Money Bank Executives and Management Board
Mr. Holger Laubenthal
(53)Chief Executive Officer, Member of the Management Board
Dr. Franco Morra
(58)Non-Executive Independent Chairman of the Board
Mr. Thomas Buess
(68)Non-Executive Independent Vice Chairman of the Board
Dr. Monica Maechler
(69)Non-Executive Independent Director
Mrs. Susanne Kloess-Braekler
(61)Non-Executive Independent Director
Cembra Money Bank Supply Chain
Frequently asked questions about Cembra Money Bank
The business model of Cembra Money Bank AG revolves around providing consumer finance solutions in Switzerland. Cembra Money Bank AG primarily focuses on offering personal loans, auto loans, credit cards, and leasing services to individuals and small businesses. With a deep understanding of the local market and customer needs, Cembra Money Bank AG aims to provide flexible and tailor-made financing options for various purposes. By maintaining a strong risk management approach and customer-centric focus, the company strives to assist individuals and businesses in achieving their financial goals with reliable and transparent financial services.
Cembra Money Bank stock
Cembra Money Bank Peer Group
Cembra Money Bank Ticker
Cembra Money Bank FIGI
All fundamentals and in-depth analysis of Cembra Money Bank
Our stock analysis for Cembra Money Bank Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Cembra Money Bank Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.