Cembra Money Bank AG is a consumer finance bank operating in Switzerland. The company provides financial solutions to its customers. The products offered by the company include consumer credit products such as personal loans, Auto loans and leasing, credit cards, Insurance products, Buy now pay later/invoice financing, and deposits and savings products. The company generates revenue from the Interest Income and Commission and fee income, with the majority of revenue generated from Interest Income. The Majority of Interest Income is derived from Personal loans and Auto leases and loans.

Financial Strength

3/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.3
Equity-to-Asset	0.16
Debt-to-Equity	2.49
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	4/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.54	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

7/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	0.8
	3-Year EPS without NRI Growth Rate	1.1
	3-Year FCF Growth Rate	-6.6
	3-Year Book Growth Rate	3.5
	Future 3-5Y Total Revenue Growth Rate	2.9

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Payout Ratio	0.72
	3-Year Dividend Growth Rate	1.7
	Shareholder Yield %	-19.69

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	30.65
	FCF Margin %	35.29
	ROE %	12.8
	ROA %	2.02
	Years of Profitability over Past 10-Year	10

GF Value Rank

6/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	13.36
	PE Ratio without NRI	13.36
	Shiller PE Ratio	13
	Price-to-Owner-Earnings	10.77
	PEG Ratio	2.52
	PS Ratio	4.09
	PB Ratio	1.69
	Price-to-Tangible-Book	2.04
	Price-to-Free-Cash-Flow	11.76
	Price-to-Operating-Cash-Flow	11.2
	EV-to-Revenue	8.34
	EV-to-FCF	23.95
	Price-to-Projected-FCF	0.68
	Price-to-DCF (Earnings Based)	0.83
	Price-to-DCF (FCF Based)	0.73
	Price-to-Median-PS-Value	0.77
	Price-to-Peter-Lynch-Fair-Value	2.54
	Price-to-Graham-Number	1.1
	FCF Yield %	8.51
	Forward Rate of Return (Yacktman) %	15.07

Financials (Next Earnings Date:2024-07-24)

Annual Quarterly TTM

STU:GEH's 30-Y Financials

AAPL

Income Statement Breakdown FY

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Cembra Money Bank AG Executives

Details

GF Value: €84.75

STU:GEH

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with GEH. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil €)	537.891
	EPS (TTM) (€)	5.615
	Beta	0
	Volatility %	4.85
	14-Day RSI	0
	14-Day ATR (€)	0
	20-Day SMA (€)	84.25
	12-1 Month Momentum %	0
	52-Week Range (€)	84.25 - 84.25
	Shares Outstanding (Mil)	29.33

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	4
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Cembra Money Bank AG Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Cembra Money Bank AG Stock Events

Financials Calendars

	Event	Date	Price(€)
No Event Data

Cembra Money Bank AG Frequently Asked Questions

What is Cembra Money Bank AG(STU:GEH)'s stock price today?

The current price of STU:GEH is €84.25. The 52 week high of STU:GEH is €84.25 and 52 week low is €84.25.

When is next earnings date of Cembra Money Bank AG(STU:GEH)?

The next earnings date of Cembra Money Bank AG(STU:GEH) is 2024-07-24.

Does Cembra Money Bank AG(STU:GEH) pay dividends? If so, how much?

Cembra Money Bank AG(STU:GEH) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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