Cembra Money Bank AGCMBNF 62 Cash-to-Debt is 0.28 as of Dec. 2025, which is 4% above its 10-year median of 0.27. GuruFocus rates CMBNF with a GF Score™ of 62/100 and a GF Value™ of $106.79. The stock has 5 warning signs investors should review. Among 1,498 Banks companies, Cembra Money Bank AG ranks worse than 85.71% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Cembra Money Bank AG's cash to debt ratio for the quarter that ended in Dec. 2025 was 0.28.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Cembra Money Bank AGcouldn't pay off its debt using the cash in hand for the quarter that ended in Dec. 2025.
The historical rank and industry rank for Cembra Money Bank AG's Cash-to-Debt or its related term are showing as below:
CMBNF'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.2 Med: 0.27 Max: 0.44
Current: 0.28
During the past 13 years, Cembra Money Bank AG's highest Cash to Debt Ratio was 0.44. The lowest was 0.20. And the median was 0.27.
CMBNF's Cash-to-Debt is ranked worse than 85.71% of 1498
companies
in the Banks industry
Industry Median: 1.47
vs CMBNF: 0.28
Cembra Money Bank AG (OTCPK:CMBNF) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Cembra Money Bank AG Cash-to-Debt Related Terms
Cembra Money Bank AG Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Cembra Money Bank AG's Cash-to-Debt 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.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Cembra Money Bank AG Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Cash-to-Debt 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.
Cembra Money Bank AG (CMBNF) has a Cash-to-Debt of 0.28 as of Dec. 2025. This is near median its historical median of 0.27. Over the past decade, Cembra Money Bank AG's Cash-to-Debt has ranged from 0.20 to 0.44. According to the industry distribution chart, Cembra Money Bank AG ranks #1284 out of 1498 companies in the Banks industry, placing it in the top 85.7%.
Is Cembra Money Bank AG's Cash-to-Debt too high?
Cembra Money Bank AG's current Cash-to-Debt of 0.28 is near median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 0.44. The Banks industry median Cash-to-Debt is 1.47. Cembra Money Bank AG's value of 0.28 is 81% below this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #1284 out of 1498 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Cembra Money Bank AG has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Cembra Money Bank AG's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #1284 out of 1498 companies for Cash-to-Debt. This places Cembra Money Bank AG in the lower half of its industry. The industry median Cash-to-Debt is 1.47. Cembra Money Bank AG's value of 0.28 is 81% below this benchmark. Historically, Cembra Money Bank AG's own Cash-to-Debt has ranged from 0.20 to 0.44 over the past decade. While the company's 10-year median is 0.27 vs. the industry median of 1.47, 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.47, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Cash-to-Debt of 0.28 is 81% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.47 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Cash-to-Debt is 0.28, which is near median its own 10-year median of 0.27. 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 Cash-to-Debt of 0.28. The stock's GF Value™ is $106.79, compared to a current price of $126.00 — trading 18% above its estimated fair value. The current Cash-to-Debt is 0.28, which is near median its 10-year median of 0.27 and 81% below the Banks industry median of 1.47. Cembra Money Bank AG's overall GF Score™ is 62/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Cash-to-Debt is 0.28 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 18% above its estimated GF Value™ of $106.79.
Key valuation signals for CMBNF:
Cash-to-Debt: 0.28 (near median its 10-year median of 0.27)
GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
Industry Position: 81% below the Banks median (#1284 of 1498)
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.
62GF Score
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