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1. Company Snapshot

1.a. 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.

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1.b. Last Insights on CMBN

Cembra Money Bank AG faces challenges in its personal loans segment and regulatory pressures, despite reporting an 11% increase in net income and improved cost/income ratio. The company's recent earnings release showed revenue of CHF235.9m, up 1.3% from H1 2024, but missed expectations. Regulatory pressures and challenges in personal loans are key concerns. Additionally, European market volatility, driven by political turmoil and trade tensions, may impact the company's stability. Cembra's dividend stock status could be attractive to investors seeking income.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (0.70%)

6. Segments

Lending

Expected Growth: 0.9%

The lending segment is expected to outperform the global growth hypothesis due to its diversified portfolio and focus on niche markets, which should drive growth in consumer finance and small business lending, slightly above the global average.

Payments

Expected Growth: 0.5%

The payments segment is expected to grow at a slower rate than the lending segment, as it is more mature and subject to intense competition. However, the increasing demand for digital payment solutions should still drive growth, albeit at a more modest pace, slightly below the global average.

7. Detailed Products

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.

8. Cembra Money Bank AG's Porter Forces

Forces Ranking

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.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 71.29%
Debt Cost 3.95%
Equity Weight 28.71%
Equity Cost 5.88%
WACC 4.50%
Leverage 248.28%

11. Quality Control: Cembra Money Bank AG passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Growth: 7.1

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Momentum: 8.5

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Cembra Money Bank

A-Score: 6.6/10

Value: 3.6

Growth: 4.0

Quality: 5.9

Yield: 8.1

Momentum: 8.0

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

96.8$

Current Price

96.8$

Potential

-0.00%

Expected Cash-Flows