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Cembra Money Bank AG (CMBN) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Cembra Money Bank AG

CMBNMarket cap $3.05BPrice $104.1

Country🇨🇭Switzerland

SectorFinancials

IndustryConsumer Finance

Provides consumer loans, credit cards, and leasing services across Switzerland, helping everyday Swiss households finance cars, renovations, and purchases. It's one of the country's largest consumer finance players, thriving in a market known for extreme caution around debt.

In Bastion Portfolios?

52W Return-3%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+5%5

Revenue Forecast

Rev CAGR (1y)+11%6

Rev CAGR (3y)+8%6

Rev CAGR (5y)+7%6

Earnings Forecast

EPS Growth Y+1+19%8

EPS Growth Y+2+12%7

EPS Growth Y+3+5%5

Quality

Margins

EBIT Margin0%6

Net Income Margin40%10

Free Cash Flow Margin-273%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE15%6

ROA2%4

Earnings Stability1010

GEAR+VERY STRONG86

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)137

P/E Ratio (Forward 3y)117

P/BV2.07

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%8

Dividend Yield5.3%10

Momentum

Short term

1 month return-3%6

3 month return-6%4

YTD return-7%4

Mid term

Price vs 52wHigh87%7

1 year return+0%5

Long term

3 year return+64%6

5 year return+76%7

Risk Shield

Price Risk

Beta0.39

Volatility18%10

Free Cash Flow

Free Cash Flow Margin-273%1

Free Cash Flow Yield0.0%8

Quality

ROCE7%4

Earnings Stability1010

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

CMBNCembra Money Bank

Revenue FY25$617M

GROWTH RATING↗

AVERAGE56 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+5%5

Revenue, next 1Y+11%6

Revenue, next 3Y, CAGR+8%6

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+19%8

EPS growth, FY27E+12%7

EPS growth, FY28E+5%5

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 8%/yr).

WATCH

A mid-pack grower, ahead of 56% of companies worldwide.

Revenue is set to grow 8%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 5%/yr over the last 3 years and is set to keep growing around 8%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Grower

A middle-of-the-pack grower.

03Price Momentum

Is the market behind it right now?

CMBNCembra Money Bank

Total return Current132%

Price return Current60.9%

MOMENTUM RATING↗

AVERAGE53 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return-6%4

YTD return-7%4

MID & LONG-TERM▾SCORE

% of 52-week high87%7

1-year return+0%5

3-year return+64%6

5-year return+76%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +64% over three years and +76% over five, ahead of 60% of the market.

WATCH

It's up 0.4% over the past year, but 13% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-3%), over three months (-6%) and so far this year (-7%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Cembra Money Bank AG. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

CMBNCembra Money Bank

Revenue FY25$617M

GROWTH RATING↗

AVERAGE56 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+5%5

Revenue, next 1Y+11%6

Revenue, next 3Y, CAGR+8%6

Revenue, next 5Y, CAGR+7%6

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+19%8

EPS growth, FY27E+12%7

EPS growth, FY28E+5%5

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow in step with sales (EPS about 12%/yr vs revenue 8%/yr).

WATCH

A mid-pack grower, ahead of 56% of companies worldwide.

Revenue is set to grow 8%/yr over the next 3 years, a little ahead of the market.6/10

Revenue grew 5%/yr over the last 3 years and is set to keep growing around 8%/yr.

Over five years revenue is set to grow 7%/yr, ahead of 50% of companies worldwide.6/10

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Grower

A middle-of-the-pack grower.

03Price Momentum

Is the market behind it right now?

CMBNCembra Money Bank

Total return Current132%

Price return Current60.9%

MOMENTUM RATING↗

AVERAGE53 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-3%6

3-month return-6%4

YTD return-7%4

MID & LONG-TERM▾SCORE

% of 52-week high87%7

1-year return+0%5

3-year return+64%6

5-year return+76%7

MOMENTUM ASSESSMENT

STRENGTHS

Strong long-term results. Long-term holders have seen +64% over three years and +76% over five, ahead of 60% of the market.

WATCH

It's up 0.4% over the past year, but 13% below its 52-week high. That is a touch ahead of the market.

Returns sit at the market level over the past month (-3%), over three months (-6%) and so far this year (-7%).

WEAKNESSES

None flagged.

BOTTOM LINE

Steady Compounder

Dependable multi-year returns with a calmer near-term tape. A reliable long-term trend rather than a short-term breakout.

04Value

Are you paying a fair price for it?

Stop guessing on Cembra Money Bank AG. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community