During the past 12 months, Cembra Money Bank AG's average Free Cash Flow per Share Growth Rate was -17.20% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was -3.20% per year.
During the past 5 years, the average Free Cash Flow per Share Growth Rate was 2.10% per year.
During the past 10 years, the average Free Cash Flow per Share Growth Rate was 0.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of Cembra Money Bank AG was 38.60% per year. The lowest was -31.60% per year. And the median was 1.65% per year.
Cembra Money Bank AG (OTCPK:CMBNF) 3-Year FCF Growth Rate Explanation
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
Cembra Money Bank AG 3-Year FCF Growth Rate Related Terms
Cembra Money Bank AG 3-Year FCF Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF Growth Rate 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 3-Year FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's 3-Year FCF Growth Rate falls into.
Cembra Money Bank AG 3-Year FCF Growth Rate Calculation
This is the 3-year average growth rate of Free Cash Flow per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of -3.20% mean?
Cembra Money Bank AG (CMBNF) has a 3-Year FCF Growth Rate of -3.20% as of Dec. 2025. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Cembra Money Bank AG and its competitors. According to the industry distribution chart, Cembra Money Bank AG ranks #583 out of 1055 companies in the Banks industry, placing it in the top 55.3%.
Is Cembra Money Bank AG's 3-Year FCF Growth Rate too high?
Cembra Money Bank AG's current 3-Year FCF Growth Rate is -3.20%. Based on the distribution chart, Cembra Money Bank AG ranks #583 out of 1055 companies in the Banks industry, which is below 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 3-Year FCF Growth Rate compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #583 out of 1055 companies for 3-Year FCF Growth Rate. This places Cembra Money Bank AG in the lower half of its industry. The industry median 3-Year FCF Growth Rate is 0.10. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.10, based on 1,055 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for Cembra Money Bank AG and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current 3-Year FCF Growth Rate is -3.20%. 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 3-Year FCF Growth Rate of -3.20%. 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 3-Year FCF Growth Rate is -3.20%. 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 3-Year FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current 3-Year FCF Growth Rate is -3.20% 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:
3-Year FCF Growth Rate: -3.20%
GF Value™: $107.84 vs. price of $126.00 (16.8% above fair value)
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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