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Swiss consumer finance company offering personal loans, auto leasing, credit cards and buy-now-pay-later services.
Swiss consumer finance company offering personal loans, auto leasing, credit cards and buy-now-pay-later services.
Funded by customer deposits and bonds, it lends to households at rates capped by Swiss law, so profit is the spread less loan losses. Auto leasing runs through car dealers, and cards and buy-now-pay-later come through retail and online partners.
In one line: A Swiss Synchrony Financial.
Moat: narrow (scale, brand, distribution). Established Swiss consumer-lending brand and dealer/retail ties from its GE spin-off.
Headquarters: Zurich, Switzerland · Founded: 2013 · Employees: 773
Size Cembra Money Bank (CMBN.SW) is a Switzerland Financials company (Regional Banks) with a market value of $3.03B, the 77th largest of 158 Switzerland companies the cockpit tracks. Shares closed at CHF 84.20 on 6 Nov 2026.
Performance Over six months the shares fell 9.3%, against +0.7% for the median peer and +11.6% for the Switzerland market (cap-weighted) — 7th lowest of 21 in its peer set.
Growth Revenue fell 3.2% over the last twelve months (peer median +3.8%); the operating margin is 42.3% (peer median 36.7%).
Valuation It trades at 1.93× book value against a peer median of 1.08× (most expensive of 21).
Price implies The share price implies a return on equity of about 4.1%; Cembra Money Bank delivers 14.7%, so the price asks less than the business earns today.
Credit Cembra Money Bank has 3 bonds outstanding ($494M), rated A- by the agencies and trading like BBB at a weighted spread of 111 bp.
Next results Next results expected around 18 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | CHF 628M | CHF 635M | CHF 656M | CHF 591M | CHF 538M |
| Revenue growth | — | -3% | +11% | +10% | — |
| Net income | CHF 185M | CHF 180M | CHF 170M | CHF 158M | CHF 169M |
| Free cash flow | CHF 261M | CHF 207M | CHF 250M | CHF 180M | CHF 228M |
| Capital expenditure | CHF 13.5M | CHF 12.0M | CHF 10.3M | CHF 8.96M | CHF 15.1M |
| Total debt | n/a | CHF 2.83B | CHF 2.91B | CHF 3.11B | CHF 2.63B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Cembra Money Bank CMBN.SW | $3.03B | -9% | -3% | 15% | 1.93× | 4.1% |
| UBS UBSG.SW | $148B | +13% | -5% | 11% | 1.62× | 8.4% |
| Swissquote SQN.SW | $6.33B | -13% | +4% | 28% | 3.64× | 20.5% |
| Klarna KLAR | $5.13B | -6% | +34% | -6% | 2.11× | 24.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CMBN.SW | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -2.4% | +1.7% | 6th lowest of 21 |
| 6-month return | -9.3% | +0.7% | 7th lowest of 21 |
| Return on equity | 14.7% | 9.5% | highest of 21 |
| Price / book | 1.93× | 1.08× | most expensive of 21 |
| Trailing P/E | 13.4× | 11.3× | 6th most expensive of 19 |
| ROE the price implies | 4.1% | 8.8% | 5th least demanding of 19 |
| ROE delivered | 14.7% | 9.9% | highest of 19 |
| Bond spread | 111 bp | n/a | — |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Cembra Money Bank CMBN.SW | Switzerland | $3.03B | -9% | -3% | 15% | 1.93× | 4.1% | 14.7% |
| First Hawaiian FHB | United States | $3.04B | -9% | +1% | 10% | 1.08× | 9.3% | 9.9% |
| Valiant VATN.SW | Switzerland | $2.93B | -9% | -11% | 6% | 0.86× | n/a | 5.8% |
| Walliser Kantonalbank WKBN.SW | Switzerland | $3.15B | +4% | -12% | 5% | 1.50× | n/a | 5.3% |
| UCO Bank UCOBANK.NS | India | $3.17B | -13% | +1% | 9% | 0.86× | 13.6% | n/a |
| BNK Financial 138930.KS | South Korea | $2.88B | -31% | +10% | 8% | 0.39× | 4.1% | n/a |
| Bank of Guiyang 601997.SS | China | $3.20B | -3% | -5% | 7% | 0.32× | 2.0% | 6.9% |
| Banc of California BANC | United States | $2.86B | -6% | -14% | 0% | 1.00× | 8.6% | -0.3% |
| Seacoast Banking Corporation of Florida SBCF | United States | $3.24B | +8% | +29% | 7% | 1.25× | 10.9% | 6.8% |
| Customers Bancorp CUBI | United States | $2.82B | +10% | +8% | 14% | 1.29× | 14.7% | 13.6% |
| Union Bank of Taiwan 2838.TW | Taiwan | $2.75B | +2% | -9% | 8% | 1.06× | 3.7% | 8.5% |
| Bank of Hawaii BOH | United States | $2.73B | -13% | +1% | 14% | 1.84× | 13.0% | 13.6% |
| TowneBank TOWN | United States | $3.36B | +4% | +36% | 13% | 1.08× | 9.0% | 12.9% |
| Suruga Bank 8358.T | Japan | $2.73B | +10% | +13% | 14% | 1.32× | 8.2% | 13.7% |
| Taichung Commercial Bank 2812.TW | Taiwan | $3.38B | -12% | -13% | 11% | 1.16× | 3.9% | 11.2% |
| Weihai Bank 9677.HK | Hong Kong | $2.70B | +5% | +6% | 9% | 0.64× | 4.5% | 9.2% |
| Mechanics Bancorp MCHB | United States | $3.41B | -1% | +131% | 10% | 1.33× | 14.8% | 10.2% |
| First Financial Bancorp FFBC | United States | $3.43B | +6% | +13% | 11% | 1.19× | 10.9% | 10.7% |
| First Bancorp FBNC | United States | $2.67B | +10% | +14% | 10% | 1.56× | 12.2% | 9.9% |
| Xiamen Bank 601187.SS | China | $2.67B | -13% | 0% | 10% | 0.63× | 3.2% | 10.0% |
| Nishi-Nippon Financial 7189.T | Japan | $3.47B | +3% | +28% | 8% | 0.88× | 6.9% | 7.8% |
Cembra Money Bank has 3 bonds outstanding with $494M face value. The agencies rate it A-; its bonds trade like BBB. Weighted yield 1.51%, a spread of 111 bp over government bonds.