Cembra Money Bank AG engages in the provision of financial solutions and services. The company is headquartered in Zurich, Zuerich and currently employs 773 full-time employees. The company went IPO on 2013-10-30. The company operates through a domestic distribution and sourcing network that includes approximately 25 branches, as well as 200 agents, 3000 auto dealers, credit card partner agreements and online channels. Its offering is diversified into loans, credit cards, leasing, insurance and savings. The loans business focuses on the provision of personal loans. The credit card business engages credit card provision. The leasing business provides leasing services, including automobile, motorcycle and caravan leasing, among others. The insurance business provides insurance solutions, including payment insurance and credit card insurance. The savings business provides saving solutions, including deposit accounts and investment instruments.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
12/31/2025
12/31/2024
12/31/2023
12/31/2022
12/31/2021
Revenue
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--
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Revenue Growth (YoY)
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--
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Cost of Revenue
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Gross Profit
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--
--
--
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Selling, General & Admin
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--
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Research & Development
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Operating Expenses
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--
--
--
--
Other Non Operating Income (Expenses)
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--
--
--
--
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Pretax Income
223
223
211
196
210
200
Income Tax Expense
43
43
41
38
41
39
Net Income
179
179
170
158
169
161
Net Income Growth
5%
5%
8%
-7%
5%
6%
Shares Outstanding (Diluted)
29.35
29.37
29.37
29.37
29.37
29.4
Shares Change (YoY)
0%
0%
0%
0%
0%
0%
EPS (Diluted)
6.11
6.11
5.8
5.38
5.76
5.49
EPS Growth
5%
5%
8%
-7%
5%
6%
Free Cash Flow
207
207
250
179
231
164
Free Cash Flow Per Share
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Gross Margin
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Operating Margin
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Profit Margin
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Free Cash Flow Margin
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EBITDA
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EBITDA Margin
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--
--
--
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D&A For EBITDA
18
18
26
27
25
25
EBIT
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EBIT Margin
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Effective Tax Rate
19.28%
19.28%
19.43%
19.38%
19.52%
19.5%
Follow-Up Questions
What are Cembra Money Bank AG's key financial statements?
According to the latest financial statement (Form-10K), Cembra Money Bank AG has a total asset of $7,942, Net profit of $179
What are the key financial ratios for CMBNF?
Cembra Money Bank AG's Current ratio is 1.2, has a Net margin is 0, sales per share of $0.
How is Cembra Money Bank AG's revenue broken down by segment or geography?
Cembra Money Bank AG largest revenue segment is Lending, at a revenue of 323,034,000 in the most earnings release.For geography, Switzerland is the primary market for Cembra Money Bank AG, at a revenue of 550,455,000.
Is Cembra Money Bank AG profitable?
yes, according to the latest financial statements, Cembra Money Bank AG has a net profit of $179
Does Cembra Money Bank AG have any liabilities?
yes, Cembra Money Bank AG has liability of 6,597
How many outstanding shares for Cembra Money Bank AG?
Cembra Money Bank AG has a total outstanding shares of 29.29