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Cembra Money Bank AG (CMBNF) Fair Value & Analysis

Financial Services · US · Market cap $3.7B

Price$126.00
Fair Value$98.50
Upside-21.8%
Quality95/100
Evidence: High Range $73.88 – $123.13

Fair value as of: Jun 25, 2026

Analysis

Cembra Money Bank AG (CMBNF) currently trades at $126.00, while our model-based Fair Value estimate is $98.50 — implying the stock looks roughly 21.8% 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).

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…

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Frequently asked questions

Is Cembra Money Bank AG (CMBNF) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $98.50 versus a price of $126.00 — about −22% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CMBNF?
Our 21-model fair value for Cembra Money Bank AG is $98.50 (as of Jun 25, 2026), built from audited fundamentals. The current price is $126.00.
What is the quality score of CMBNF?
Cembra Money Bank AG has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.