Cembra Money Bank AG (CMBN) Fair Value & Analysis
Financial Services · CH · Market cap CHF 2.8B
Fair value as of: Jun 26, 2026
From 25 valuation models · updated 4 days ago
Fair value updated Jun 26, 2026 — revised from CHF 57.35 to CHF 79.88 (+39.3%) since Jun 24, 2026. Share price −0.4% over the past month.
Price vs Fair Value (12 months)
12‑month range CHF 84.96 – CHF 99.91 · fair‑value band CHF 59.91 – CHF 99.84 · the CHF 94.65 price screens above the CHF 79.88 fair value. As of Jun 26, 2026.
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Cembra Money Bank AG (CMBN) currently trades at CHF 94.65, while our model-based Fair Value estimate is CHF 79.88 — implying the stock looks roughly 15.6% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Cembra Money Bank AG generated revenue of CHF 469M at a net margin of 38.3%. Revenue declined 4.4% year over year. It earns a return on equity of 13.7%. Net debt stands at CHF 2.0B. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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 Ba…
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Cembra Money Bank AG reported revenue of CHF 635M in FY2025 versus CHF 513M in FY2021, a compound +5.5%/yr. Reported net income was CHF 180M in FY2025, compounding +2.7%/yr from FY2021.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.