-0.28%
6.98%
14.13%
18.27%
33.31%
40.74%
-20.80%
AI Spotlight on CMBN
Company Description
Cembra Money Bank AG provides consumer finance products and services in Switzerland.The company offers savings products, including medium-term notes and deposit accounts; loans comprising cash, consumer, personal, business, and auto loans; credit card receivables; and leasing services for new and used vehicles, including cars, light commercial vehicles, motorcycles, and caravans, as well as corporate leasing services.It also provides financial protection products in case of involuntary unemployment, accident, illness, or disability; travel and flight, and card protection insurance products; investment products; and credit cards, mobile payment, and e-services.
In addition, the company offers financing solutions to small businesses under the Cembra Business brand, as well as invoice financing services.The company serves private and self-employed individuals, and small and medium enterprises.It operates through a network of branches, as well as through various sales channels, such as the internet, credit card partners, independent intermediaries, and approximately 4,000 car dealers.
The company was formerly known as GE Money Bank Aktiengesellschaft and changed its name to Cembra Money Bank AG in October 2013.Cembra Money Bank AG was founded in 1912 and is headquartered in Zurich, Switzerland.
Market Data
| Last Price | 89.65 |
| Change Percentage | -0.28% |
| Open | 88.65 |
| Previous Close | 89.9 |
| Market Cap ( Millions) | 2628 |
| Volume | 67390 |
| Year High | 90.7 |
| Year Low | 65.9 |
| M A 50 | 84.3 |
| M A 200 | 78.39 |
Financial Ratios
| FCF Yield | 12.23% |
| Dividend Yield | 4.46% |
| ROE | 13.12% |
| Debt / Equity | 227.17% |
| Net Debt / EBIDTA | 776.27% |
| Price To Book | 2.17 |
| Price Earnings Ratio | 16.31 |
| Price To FCF | 8.18 |
| Price To sales | 4.87 |
| EV / EBITDA | 19.31 |
News
- Oct -29 - Shareholders in APG|SGA (VTX:APGN) are in the red if they invested five years ago
- Oct -12 - Cembra Money Bank AG's (VTX:CMBN) top owners are individual investors with 60% stake, while 40% is held by institutions
- Jul -22 - Cembra Money Bank First Half 2023 Earnings: EPS: CHF2.56 (vs CHF3.09 in 1H 2022)
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking and Related Activities
Expected Growth : 7.0 %
What the company do ?
Cembra Money Bank AG's Banking and Related Activities segment offers consumer finance, credit cards, and other financial services to individuals and businesses.
Why we expect these perspectives ?
Cembra Money Bank AG's 7.0% growth in Banking and Related Activities is driven by increasing demand for consumer credit, expansion into new markets, and strategic partnerships. Additionally, the bank's digital transformation efforts, improved risk management, and cost optimization initiatives have contributed to its growth.
Cembra Money Bank Ag Products
| Product Range | What is it ? |
|---|---|
| Consumer Loans | Personal loans for individuals to finance their personal expenses, such as weddings, holidays, or unexpected expenses. |
| Mortgage Loans | Long-term loans for individuals to finance their property purchases or renovations. |
| Credit Cards | Credit cards for individuals to make daily purchases and earn rewards. |
| Savings Accounts | Savings accounts for individuals to save their money and earn interest. |
| Investment Products | Investment products such as mutual funds, bonds, and stocks for individuals to grow their wealth. |
| Insurance Products | Insurance products such as life insurance, health insurance, and home insurance for individuals to protect themselves and their assets. |
Cembra Money Bank AG's Porter Forces
Threat Of Substitutes
Cembra Money Bank AG operates in a highly competitive market, and customers have various alternatives for their financial needs. However, the bank's strong brand and customer loyalty mitigate the threat of substitutes.
Bargaining Power Of Customers
Cembra Money Bank AG's customers have significant bargaining power due to the competitive nature of the banking industry. Customers can easily switch to alternative banks or financial institutions, which puts pressure on the bank to maintain competitive pricing and services.
Bargaining Power Of Suppliers
Cembra Money Bank AG has a diversified supplier base, which reduces the bargaining power of individual suppliers. The bank's strong financial position and reputation also give it an upper hand in negotiations with suppliers.
Threat Of New Entrants
While there are barriers to entry in the banking industry, new entrants can still disrupt the market. Cembra Money Bank AG's established brand and regulatory requirements mitigate the threat of new entrants, but the bank must still be vigilant to stay competitive.
Intensity Of Rivalry
The banking industry is highly competitive, with many established players vying for market share. Cembra Money Bank AG must continually innovate and improve its services to maintain its market position and competitiveness.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 71.29% |
| Debt Cost | 3.95% |
| Equity Weight | 28.71% |
| Equity Cost | 5.88% |
| WACC | 4.50% |
| Leverage | 248.28% |
Cembra Money Bank AG : Quality Control
Cembra Money Bank AG passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| BAP | Credicorp Ltd., a financial service holding company, provides various financial, insurance, and health services and products primarily in Peru and internationally. The company's Universal Banking segment offers deposits and current … |
| BIRG.IR | Bank of Ireland Group plc provides various banking and financial products and services. The company operates through Retail Ireland, Wealth and Insurance, Retail UK, and Corporate and Treasury segments. It … |
| RILBA.CO | Ringkjøbing Landbobank A/S provides various banking products and services in Denmark. It offers various deposit products; loans and guarantees; mortgage credit commission; securities trading; asset management; custody accounts; foreign exchange; … |
| LUKN.SW | Luzerner Kantonalbank AG provides various banking products and services to individuals, companies, institutions, families, and non-profit organizations in Switzerland. It offers accounts and deposit products; savings and pension solutions; investment … |
| BCP.LS | Banco Comercial Português, S.A., together with its subsidiaries, provides various banking and financial products and services under the Millennium bcp brand. It operates through Retail Banking; Companies, Corporate & Investment … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Cembra Money Bank
A-Score
1-Year Total Return ->
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BCP
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Credicorp
A-Score
1-Year Total Return ->
4
Ringkjøbing Landbobank
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5
Bank of Ireland
A-Score
1-Year Total Return ->
6
