Cembra Money Bank AGCMBNF 61 Capex-to-Operating-Cash-Flow is 0.05 as of Dec. 2025, which is 17% below its 10-year median of 0.06. GuruFocus rates CMBNF with a GF Score™ of 61/100 and a GF Value™ of $107.84. The stock has 5 warning signs investors should review. Among 830 Banks companies, Cembra Money Bank AG ranks better than 54.58% on this metric.
Capex-to-Operating-Cash-Flow assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. It’s also useful to distinguish whether the company is capital intensive or not.
Hence, Cembra Money Bank AG's Capex-to-Operating-Cash-Flow for the
six
months ended in Dec. 2025 was 0.05.
Cembra Money Bank AG (OTCPK:CMBNF) Capex-to-Operating-Cash-Flow Explanation
Capex-to-Operating-Cash-Flow ratio assesses how much of a company’s Cash Flow from Operations is being devoted to Capital Expenditure. It is a good indicator in terms of how much the company is focused on growth. In general, a high Capex-to-Operating-Cash-Flow ratio indicates that the company is investing more in physical assets and is focused on growth and expansion. Conversely, lower ratio could indicate that a company has reached maturity and is no longer pursuing aggressive growth.
Moreover, the ratio is also useful to distinguish whether the company is capital intensive or not. If the ratio is large, then the company tends to be capital intensive. Lower ratio suggests that it’s a capital-light business. The ratio can be combined with ROIC % to identify whether the company is an asset-light business that has a high return on invested capital. This is one question investors commonly ask to see if a company qualifies as a good company.
Cembra Money Bank AG Capex-to-Operating-Cash-Flow Related Terms
Cembra Money Bank AG Capex-to-Operating-Cash-Flow Historical Data
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The historical data trend for Cembra Money Bank AG's Capex-to-Operating-Cash-Flow can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Cembra Money Bank AG Capex-to-Operating-Cash-Flow Chart
Cembra Money Bank AG Capex-to-Operating-Cash-Flow Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Capex-to-Operating-Cash-Flow, along with its competitors' market caps and Capex-to-Operating-Cash-Flow data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Cembra Money Bank AG Capex-to-Operating-Cash-Flow vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Capex-to-Operating-Cash-Flow distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Capex-to-Operating-Cash-Flow falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
What does a Capex-to-Operating-Cash-Flow of 0.05 mean?
Cembra Money Bank AG (CMBNF) has a Capex-to-Operating-Cash-Flow of 0.05 as of Dec. 2025. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on Cembra Money Bank AG and its competitors. This is 17% below median its historical median of 0.06. Over the past decade, Cembra Money Bank AG's Capex-to-Operating-Cash-Flow has ranged from 0.02 to 0.10. According to the industry distribution chart, Cembra Money Bank AG ranks #377 out of 830 companies in the Banks industry, placing it in the top 45.4%.
Is Cembra Money Bank AG's Capex-to-Operating-Cash-Flow too high?
Cembra Money Bank AG's current Capex-to-Operating-Cash-Flow of 0.05 is 17% below median its 10-year median of 0.06. Over the past 10 years, this metric has ranged from a low of 0.02 to a high of 0.10. The Banks industry median Capex-to-Operating-Cash-Flow is 0.06. Cembra Money Bank AG's value of 0.05 is 16.7% below this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #377 out of 830 companies in the Banks industry, which is above the industry midpoint. Overall, Cembra Money Bank AG has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Cembra Money Bank AG's Capex-to-Operating-Cash-Flow compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #377 out of 830 companies for Capex-to-Operating-Cash-Flow. This puts Cembra Money Bank AG in the upper half of its industry. The industry median Capex-to-Operating-Cash-Flow is 0.06. Cembra Money Bank AG's value of 0.05 is 16.7% below this benchmark. Historically, Cembra Money Bank AG's own Capex-to-Operating-Cash-Flow has ranged from 0.02 to 0.10 over the past decade. While the company's 10-year median is 0.06 vs. the industry median of 0.06, Cembra Money Bank AG has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Capex-to-Operating-Cash-Flow for a Banks company?
The median Capex-to-Operating-Cash-Flow among Banks companies is 0.06, based on 830 companies in the industry. Companies in the top quartile (top 25%) have a Capex-to-Operating-Cash-Flow significantly above this median, while those in the bottom quartile fall well below. However, Capex-to-Operating-Cash-Flow should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Capex-to-Operating-Cash-Flow of 0.05 is 16.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Capex-to-Operating-Cash-Flow mean?
A high Capex-to-Operating-Cash-Flow can signal that a stock is expensive relative to its fundamentals. Capex to Operating Cash Flow ratio assesses how much of a company’s cash flow from operations is being devoted to capital expenditure. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Capex-to-Operating-Cash-Flow is 0.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Capex-to-Operating-Cash-Flow is 0.05, which is 17% below median its own 10-year median of 0.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cembra Money Bank AG stock overvalued right now?
Cembra Money Bank AG (CMBNF) has a current Capex-to-Operating-Cash-Flow of 0.05. The stock's GF Value™ is $107.84, compared to a current price of $126.00 — trading 16.8% above its estimated fair value. The current Capex-to-Operating-Cash-Flow is 0.05, which is 17% below median its 10-year median of 0.06 and 16.7% below the Banks industry median of 0.06. Cembra Money Bank AG's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Capex-to-Operating-Cash-Flow calculated?
Capex-to-Operating-Cash-Flow is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Capex-to-Operating-Cash-Flow is 0.05 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Cembra Money Bank AG (CMBNF) Overvalued in 2026?
Based on GuruFocus' analysis, Cembra Money Bank AG stock appears to be overvalued.
The current stock price of $126.00 is trading 16.8% above its estimated GF Value™ of $107.84.
Key valuation signals for CMBNF:
Capex-to-Operating-Cash-Flow: 0.05 (17% below median its 10-year median of 0.06)
GF Value™: $107.84 vs. price of $126.00 (16.8% above fair value)
Industry Position: 16.7% below the Banks median (#377 of 830)
No single metric tells the full story. See the CMBNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cembra Money Bank AG is a consumer finance bank operating in Switzerland. The company has two operating segments: Lending and Payments. 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 revenue is from Lending Segment.
61GF Score
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