Skip to main content
logo
Cembra Money Bank AG (SWX:CMBN)
Switzerland flag Switzerland · Delayed Price · Currency is CHF
87.00
+1.40 (1.64%)
Aug 21, 2026, 5:31 PM CET

Cembra Money Bank AG Financials Overview

Millions CHF. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
463.7468.62476.3458.78467.93446.74
Revenue Growth
-1.05%-1.61%3.82%-1.95%4.74%1.34%
Net Income
184.64179.57170.4158.03169.3161.5
Earnings Per Share
6.286.115.805.385.765.49
EPS Growth
2.79%5.34%7.81%-6.60%4.92%5.58%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023
Period EndingJun '26 Dec '25 Dec '24 Dec '23
Lending
265.7271.89264.46260.71
Payments
198196.72211.84198.07
Total
463.7468.61476.3458.78

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
494.91780.98793.2921.97632.64544.77
Total Debt
2,7302,8272,9103,1142,6332,516
Net Cash (Debt)
-2,235-2,046-2,117-2,192-2,000-1,971
Net Cash Growth
------
Net Cash Per Share
-76.11-69.63-72.07-74.63-68.09-67.06

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
274.39219.4260.65188.53243.42174.61
Capital Expenditures
-1,539-1,538-1,533-1,606-1,547-1,334
Free Cash Flow
-1,265-1,319-1,272-1,417-1,303-1,159
Free Cash Flow Growth
------

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
39.82%38.32%35.77%34.45%36.18%36.15%
FCF Margin
-272.82%-281.38%-267.12%-308.91%-278.51%-259.53%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
4.6004.6004.2504.0003.9503.850
Dividend Per Share Growth
31.76%8.24%6.25%1.27%2.60%2.67%
Dividend Yield
5.36%4.90%5.73%7.12%6.33%7.53%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
13.8516.2114.1112.1813.3312.09
Forward PE
12.4114.8713.1611.6514.3412.21
PS Ratio
5.496.215.054.194.824.37