Cembra Money Bank (CMBN.SW) Stock Price

Cembra Money Bank Price

SIX·CLOSED
89.20
​
Market closed

Over the last 18 years Cembra Money Bank grew revenue by 3.0% annually, reaching 635.10 M CHF. Earnings per share have grown at 5.0% per year over the last 18 years. For Cembra Money Bank, the net margin of 28.3% is down versus 31.5% a few years ago. At today's price the dividend yield works out to roughly 4.76%. The payout ratio is around 71% of earnings. The dividend has grown at 3.7% per year over the past 11 years. The consensus 12-month price target for Cembra Money Bank is 95.22 CHF, about 6.7% above where the stock trades today. Of 11 analysts, 0 rate the stock a buy — an overall Sell consensus.

Cembra Money Bank stock price

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Cembra Money Bank business model & stock analysis

The Cembra Money Bank AG is a Swiss financial institution headquartered in Zurich and with branches in several other cities. The company has a long history dating back to 1958 when it was founded as part of the Swiss Volksbank. Since 2013, it has been operating under the name Cembra Money Bank. The business model of Cembra Money Bank is focused on providing financial services to individuals and companies. This includes credit cards, personal loans, and leasing services. The bank focuses on niche markets, such as financing for electric bicycles or air conditioning units. Cembra Money Bank has various divisions tailored to the needs of customers. The Private Label division offers individual credit and leasing solutions for retailers. The Credit & Debit Cards division caters to different customer needs, such as the Cashback card for customers who want refunds on their purchases. The Coop SupercardPlus card allows customers to collect points and offers special benefits when shopping at Coop. In the Consumer Finance division, the company offers various credit and leasing services. For example, the "Auto Lease Light" product provides a flexible and transparent alternative to traditional auto leasing. Cembra Money Bank is innovative and utilizes technological advancements. For example, credit card applications can be fully digital. The company is also active in sustainability and aims to reduce its own CO2 emissions. The products and services of Cembra Money Bank are characterized by flexibility and transparency. The bank strives to meet the individual needs of customers, whether it be setting interest rates or repayment terms. Loan repayment is also flexible and can be customized with the bank. Overall, Cembra Money Bank AG offers a wide range of products and services tailored to the individual needs of customers. The bank is innovative and embraces technological advancements to improve customer service. Cembra Money Bank aims to pursue environmentally conscious and sustainable business practices and has set goals in this area.

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 AG is primarily active in the financial services industry.

The main competitors of Cembra Money Bank AG in the market are Swisscard AECS AG, Credit Suisse Group, and UBS Group AG.

Cembra Money Bank AG, a leading Swiss consumer finance provider, has a rich history and background. Established in 1957 as the Swiss Union of Associations for Consumer Credit, the company evolved over time and adopted its current name in 2012. Cembra Money Bank AG has since grown to become a trusted financial institution, serving more than one million customers in Switzerland. With a focus on lending, leasing, credit card issuance, and comprehensive insurance products, Cembra Money Bank AG plays a vital role in enabling individuals to realize their financial goals. Its dedication to exceptional customer service and innovative solutions solidifies its position in the Swiss market.

Cembra Money Bank AG, a leading Swiss provider of personal loans and financing solutions, has achieved several significant milestones throughout its history. One noteworthy achievement is its successful initial public offering (IPO) in 2013, which marked a major turning point for the company. Additionally, Cembra Money Bank AG has seen consistent growth and expansion in its product offerings, establishing itself as a trusted financial partner for individuals and businesses alike. Moreover, the company's dedication to innovation has resulted in the development of cutting-edge digital banking solutions, providing customers with convenient and efficient services. With these accomplishments, Cembra Money Bank AG has solidified its position as a prominent player in the financial industry.

Cembra Money Bank AG is primarily present in Switzerland.

Cembra Money Bank AG represents strong values and follows a corporate philosophy based on trust, integrity, and customer-centricity. As a leading Swiss provider of consumer finance, Cembra Money Bank AG aims to offer tailored and innovative financial solutions to individuals and businesses. With a focus on responsible lending and sustainable growth, the company strives to build long-term partnerships with its customers. Cembra Money Bank AG takes pride in its commitment to professionalism, transparency, and excellent service in order to meet the evolving financial needs of its clients.

Analysts currently set an average price target of 95.22 CHF for the Cembra Money Bank stock (median: 95.22 CHF), implying +6.7 % versus the latest price. The consensus is based on 11 analyst ratings.

11 analysts currently rate the Cembra Money Bank stock: 0 recommend buying, 5 holding and 6 selling. For 2026, analysts expect Cembra Money Bank to generate revenue of 545.82 M CHF and earnings per share of 6.34 CHF.

Converted at the current exchange rate, the Cembra Money Bank share trades at 96.62 EUR (89.20 CHF).

The Cembra Money Bank share (CMBN.SW) is listed on 6 stock exchanges, including: London (0QPJ.L), SIX (Zürich) (CMBN.SW), Frankfurt (GEH.F), München (GEH.MU).

Cembra Money Bank AG is a Swiss bank specializing in consumer loans and leasing for individuals and SME customers. It operates in three main business segments: Consumer Finance, Auto Leasing, and Commercial & Corporate Leasing. The bank offers a wide range of unsecured and secured consumer loans, as well as credit cards, in the Consumer Finance segment. It is one of the leading providers of consumer loans in Switzerland. In the Auto Leasing segment, the bank provides customized financing solutions for new and used cars for individuals and businesses. It is a leading provider of auto leasing in Switzerland. In the Commercial & Corporate Leasing segment, the bank offers a variety of leasing and hire purchase financing solutions for SME customers. The bank also provides additional services such as cashback programs, insurance, E-commerce solutions, and mobile data usage. It has a strategic partnership with Migros Bank, one of the largest banks in Switzerland, to expand its offerings and customer base. The bank's business model focuses on a flexible, diversified, and effective financing strategy to meet customer needs and increase profitability. It works closely with customers and partners to develop customized solutions. Overall, Cembra Money Bank AG is a solid and successful Swiss bank specializing in consumer loans and leasing, offering a wide range of financial services and products. It is well-positioned to benefit from the growth and increasing demand for consumer financing and leasing in Switzerland.

The expected revenue of Cembra Money Bank is 545.82 M CHF. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Cembra Money Bank is 190.30 M CHF. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Cembra Money Bank is currently 14.06. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Cembra Money Bank stock.

The price-to-sales ratio (P/S) of Cembra Money Bank is currently 4.90. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Cembra Money Bank stock.

The Eulerpool Quality Score for Cembra Money Bank is 5/10.

The ISIN of Cembra Money Bank is CH0225173167. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Cembra Money Bank is A1W65V. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Cembra Money Bank is CMBN.SW. The ticker symbol is used to trade Cembra Money Bank shares on the stock exchange.

Fair ValueTerminal
77.60 CHF
Over-/UndervaluationTerminal
Fairly valued
Sector
Industry
Consumer Finance
Number of shares
Employees
Revenue per Employee
684,375.00 CHF
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Website cembra.ch
Currency
CHF
Initial public offering
Oct 30, 2013
ISIN
CH0225173167
Cusip
H1329L107
Sedol
BFSSBH4
Market capitalization
2.68 B CHFMid Cap
52-Week Range
PEG
2.85
P/E ratio
P/Ee 2026
14.06
P/Ee 2027
12.55
P/Ee 2028
12.07
P/S
P/Se
4.90
EV/EBIT
21.04
P/B Ratio
1.99
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
4.34 %
Dividend
Dividend yield
4.76 %
Est. Dividend Yield
6.28 %
Payout Ratio
70.83 %
Dividend growth Ø5Y
8.35 %
Dividend payments per year
1
Dividend paid since
12 years
Dividend not reduced since
2 years
Dividend increased since
2 years
Dividend withholding tax
35.00 %
Last updated Oct 29, 2026, 12:17 AM

Cembra Money Bank Peer Group

Cembra Money Bank Ticker

FRANKFURT · GEH.FLONDON · 0QPJ.LLONDON STOCK EXCHANGE · 0QPJ.LMUNICH · GEH.MUOTC · CMBNFSIX · CMBN.SW

Cembra Money Bank FIGI

CMBN:SW · BBG0015QF8P3CMBN:SE · BBG005CW2HD0GEH:GR · BBG005GVXFQ4GEH:GF · BBG005GVXFR3GEH:GS · BBG005GVXFV8GEH:GM · BBG005GVXFW7GEH:GB · BBG005GVXFX6CMBNCHF:EO · BBG005HVB1D2CMBNCHF:XC · BBG005HVB1J6CMBNCHF:E1 · BBG005HVB1Y9CMBNZ:EB · BBG005HVC5S6CMBNZ:IX · BBG005HVC613