Cembra Money Bank AG (XSWX:CMBN) Change In Receivables: CHF2.3 Mil (TTM As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XSWX:CMBN Cembra Money Bank AG XSWX:CMBN
59 GF Score
Price CHF90.25
GF Value CHF81.12
Valuation Modestly Overvalued
! 5 Warning Signs
View Full Analysis

What is Cembra Money Bank AG Change In Receivables?

Cembra Money Bank AG XSWX:CMBN +0.06% 59 Change In Receivables is CHF2.3 Mil as of Dec. 2025. GuruFocus rates XSWX:CMBN with a GF Score™ of 59/100 and a GF Value™ of CHF81.12 (Modestly Overvalued). The stock has 5 warning signs investors should review.

Cembra Money Bank AG's change in receivables for the quarter that ended in Dec. 2025 was CHF1.1 Mil. It means Cembra Money Bank AG's Accounts Receivable declined by CHF1.1 Mil from Jun. 2025 to Dec. 2025 .

Cembra Money Bank AG's change in receivables for the fiscal year that ended in Dec. 2025 was CHF2.3 Mil. It means Cembra Money Bank AG's Accounts Receivable declined by CHF2.3 Mil from Dec. 2024 to Dec. 2025 .

Cembra Money Bank AG's Accounts Receivable for the quarter that ended in Dec. 2025 was CHF0.0 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Cembra Money Bank AG's Days Sales Outstanding for the six months ended in Dec. 2025 was 0.00.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Cembra Money Bank AG's liquidation value for the six months ended in Dec. 2025 was CHF-5,816.1 Mil.

Cembra Money Bank AG  (XSWX:CMBN) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Cembra Money Bank AG's Days Sales Outstanding for the quarter that ended in Dec. 2025 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=0/274.893*91
=0.00

2. In Ben Graham's calculation of liquidation value, Cembra Money Bank AG's accounts receivable are only considered to be worth 75% of book value:

Cembra Money Bank AG's liquidation value for the quarter that ended in Dec. 2025 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=780.977-6597.117+0.75 * 0+0.5 * 0
=-5,816.1

* 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 Change In Receivables Related Terms

Cembra Money Bank AG Change In Receivables Historical Data

* Premium members only.

The historical data trend for Cembra Money Bank AG's Change In Receivables 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 Change In Receivables Chart

Cembra Money Bank AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Change In Receivables
Get a 7-Day Free Trial Premium Member Only Premium Member Only -4.07 -7.82 3.82 4.78 2.30

Cembra Money Bank AG Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Change In Receivables Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.53 2.25 2.53 1.20 1.10
XSWX:CMBN
59GF Score
Cembra Money Bank AG XSWX:CMBN
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Cembra Money Bank AG Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was CHF2.3 Mil.

* 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.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of CHF2.3 Mil mean?
Cembra Money Bank AG (XSWX:CMBN) has a Change In Receivables of CHF2.3 Mil as of Dec. 2025. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Cembra Money Bank AG and its competitors.
Is Cembra Money Bank AG's Change In Receivables too high?
Cembra Money Bank AG's current Change In Receivables is CHF2.3 Mil. Overall, Cembra Money Bank AG has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cembra Money Bank AG's Change In Receivables compare to competitors?
Cembra Money Bank AG's Change In Receivables of CHF2.3 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for a Banks company?
A good Change In Receivables depends on the Banks industry context. However, Change In Receivables 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 Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Cembra Money Bank AG and its competitors. Cembra Money Bank AG's current Change In Receivables is CHF2.3 Mil. 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?
Based on GuruFocus' analysis, Cembra Money Bank AG (XSWX:CMBN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF81.12, compared to a current price of CHF90.25 — trading 11.3% above its estimated fair value. The current Change In Receivables is CHF2.3 Mil. Cembra Money Bank AG's overall GF Score™ is 59/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Cembra Money Bank AG (XSWX:CMBN), the current Change In Receivables is CHF2.3 Mil 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 (XSWX:CMBN) Overvalued in 2026?

Based on GuruFocus' analysis, Cembra Money Bank AG stock appears to be overvalued. The current stock price of CHF90.25 is trading 11.3% above its estimated GF Value™ of CHF81.12. GuruFocus considers Cembra Money Bank AG to be Modestly Overvalued.

Key valuation signals for XSWX:CMBN:

  • Change In Receivables: CHF2.3 Mil
  • GF Value™: CHF81.12 vs. price of CHF90.25 (11.3% above fair value)
  • GF Score™: 59/100 with 5 warning signs

No single metric tells the full story. See the XSWX:CMBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Cembra Money Bank AG Business Description

Other Exchanges CMBNz:UK0QPJ:UKGEH:Germany
Address Bandliweg 20, Zurich, CHE, 8048
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.
59GF Score

Get the complete analysis for XSWX:CMBN

Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF90.25
Price
CHF81.12
GF Value