profit from every CHF 100 of sales.
CHF 0CHF 100
Cembra Money Bank
CHF 85.45-0.12% today
-12.6% in 1 year
1-year low CHF 83.001-year high CHF 104.60
Trading close to its lowest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay CHF 14.22 for every CHF 1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Cembra Money Bank sold, what it kept, and what it did with the cash.
Sales went from CHF 509 million in 2022 to CHF 542 million in 2025, with CHF 180 million of profit last year.
SalesProfit
Cembra Money Bank handed back 63% of the cash it generated last year.
CHF 125M
Free cash flow 2025CHF 207M
Bought back its own sharesCHF 6M
Paid as dividendsCHF 125M
Cash vs. debtCHF 781M vs. CHF 2.8B
Cembra Money Bank vs. similar companies
Cembra Money Bank grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from CHF 100 of sales | Sales growth a year | Price per CHF 1 of profit |
|---|---|---|---|
| Cembra Money Bank | 14.2× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Cembra Money Bank's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of CHF | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 509 | 516 | 550 | 542 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 169 | 158 | 170 | 180 | |
| 5.76 | 5.38 | 5.80 | 6.11 | |
| – | – | – | – | |
| – | – | – | – | |
| 33.3% | 30.6% | 31.0% | 33.1% |
Balance sheet
| In millions of CHF | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 7,624 | 8,088 | 7,949 | 7,943 |
| Cash | 633 | 922 | 793 | 781 |
| Total debt | 2,633 | 3,114 | 2,910 | 2,827 |
| Total liabilities | 6,349 | 6,838 | 6,664 | 6,597 |
| 1,274 | 1,250 | 1,285 | 1,345 | |
| 29 | 29 | 29 | 29 | |
| – | – | – | – | |
| 13.3% | 12.6% | 13.3% | 13.3% |
Cash flow
| In millions of CHF | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 243 | 189 | 261 | 219 | |
| 15 | 9 | 10 | 12 | |
| 228 | 180 | 250 | 207 | |
| Dividends paid | 113 | 116 | 117 | 125 |
| 3 | 1 | 2 | 6 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 14.2×
- –
- 7.16
- 2.0×
- 4.7×
- 7.0%
- 4.9%
Profitability
- 33.1%
- –
- –
- –
- –
Growth
- +2.1%
- +2.0%
- –
- +0.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 47%of 903
Bottom 28%of 911
Top 33%of 939
4.9%of the share price, paid each year
On $1,000 invested$49a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
69.4% of its profit
Room to growStretchedMore than it earns: 60.1%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Cembra Money Bank
Is Cembra Money Bank a good stock to buy?
A strong, very profitable business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Cembra Money Bank AI analysis
What does Cembra Money Bank do?
Cembra Money Bank AG provides consumer finance products and services in Switzerland. It is in Banks - Regional, based in Zurich, Switzerland, with 713 employees.
Does Cembra Money Bank pay a dividend?
Yes. At today's price the dividend is 4.9% a year, about 69% of its yearly profit. In 2025 it paid out CHF 125 million in dividends.
Is Cembra Money Bank stock halal?
No. Cembra Money Bank does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Cembra Money Bank stock done over the past year?
Down 12.6% over the past twelve months, to CHF 85.45. It traded between CHF 83.00 and CHF 104.60 and is 18.3% below its high.
Who are Cembra Money Bank's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Cembra Money Bank's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.