Cembra Money Bank AGCMBNF 61 Cyclically Adjusted Price-to-FCF is 17.90 as of Jul. 06, 2026, which is 57% above its 10-year median of 11.43. GuruFocus rates CMBNF with a GF Score™ of 61/100 and a GF Value™ of $108.13. The stock has 5 warning signs investors should review. Among 887 Banks companies, Cembra Money Bank AG ranks worse than 62.46% on this metric.
The historical rank and industry rank for Cembra Money Bank AG's Cyclically Adjusted Price-to-FCF or its related term are showing as below:
CMBNF'
s Cyclically Adjusted Price-to-FCF Range Over the Past 10 Years
Min: 7.86 Med: 11.43 Max: 15.78
Current: 12.38
During the past 13 years, Cembra Money Bank AG's highest Cyclically Adjusted Price-to-FCF was 15.78. The lowest was 7.86. And the median was 11.43.
CMBNF's Cyclically Adjusted Price-to-FCF is ranked worse than 62.46% of 887
companies
in the Banks industry
Industry Median: 10.31
vs CMBNF: 12.38
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.
Cembra Money Bank AG's adjusted free cash flow per share data of for the fiscal year that ended in Dec25 was $8.859. Add all the adjusted free cash flow per share for the past 10 years together and divide 10 will get our Cyclically Adjusted FCF per Share, which is $7.04 for the trailing ten years ended in Dec25.
Shiller PE for Stocks: The True Measure of Stock Valuation
Cembra Money Bank AG (OTCPK:CMBNF) Cyclically Adjusted Price-to-FCF Explanation
Compared with the regular Price-to-Free-Cash-Flow, which works poorly for cyclical businesses, the Cyclically Adjusted Price-to-FCF smoothed out the fluctuations of free cash flow during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted Price-to-FCF should give similar results to regular Price-to-Free-Cash-Flow.
Cembra Money Bank AG Cyclically Adjusted Price-to-FCF Related Terms
Cembra Money Bank AG Cyclically Adjusted Price-to-FCF Historical Data
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The historical data trend for Cembra Money Bank AG's Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF Chart
Cembra Money Bank AG Cyclically Adjusted Price-to-FCF Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Cyclically Adjusted Price-to-FCF distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Cyclically Adjusted Price-to-FCF falls into.
Cembra Money Bank AG Cyclically Adjusted Price-to-FCF Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted Price-to-FCF takes the Free Cash Flow per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/FCF calculation. Because it considers this 10-year average, it's often referred to as the CAPFCF Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF.
Cembra Money Bank AG's Cyclically Adjusted Price-to-FCF for today is calculated as
* 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.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted Price-to-FCF of 17.90 mean?
Cembra Money Bank AG (CMBNF) has a Cyclically Adjusted Price-to-FCF of 17.90 as of Jul. 06, 2026. Cyclically Adjusted Price-to-FCF Ratio is the ratio of share price to a company's inflation-adjusted FCF per share over a 10-year period. View historical data on Cembra Money Bank AG and its competitors. This is 57% above median its historical median of 11.43. Over the past decade, Cembra Money Bank AG's Cyclically Adjusted Price-to-FCF has ranged from 7.86 to 15.78. According to the industry distribution chart, Cembra Money Bank AG ranks #554 out of 887 companies in the Banks industry, placing it in the top 62.5%.
Is Cembra Money Bank AG's Cyclically Adjusted Price-to-FCF too high?
Cembra Money Bank AG's current Cyclically Adjusted Price-to-FCF of 17.90 is 57% above median its 10-year median of 11.43. Over the past 10 years, this metric has ranged from a low of 7.86 to a high of 15.78. The Banks industry median Cyclically Adjusted Price-to-FCF is 10.31. Cembra Money Bank AG's value of 17.90 is 73.6% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #554 out of 887 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 Cyclically Adjusted Price-to-FCF compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #554 out of 887 companies for Cyclically Adjusted Price-to-FCF. This places Cembra Money Bank AG in the lower half of its industry. The industry median Cyclically Adjusted Price-to-FCF is 10.31. Cembra Money Bank AG's value of 17.90 is 73.6% above this benchmark. Historically, Cembra Money Bank AG's own Cyclically Adjusted Price-to-FCF has ranged from 7.86 to 15.78 over the past decade. While the company's 10-year median is 11.43 vs. the industry median of 10.31, Cembra Money Bank AG has consistently been above 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 Cyclically Adjusted Price-to-FCF for a Banks company?
The median Cyclically Adjusted Price-to-FCF among Banks companies is 10.31, based on 887 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted Price-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted Price-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Cyclically Adjusted Price-to-FCF of 17.90 is 73.6% above 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 Cyclically Adjusted Price-to-FCF mean?
A high Cyclically Adjusted Price-to-FCF can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted Price-to-FCF Ratio is the ratio of share price to a company's inflation-adjusted FCF per share over a 10-year period. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Cyclically Adjusted Price-to-FCF is 10.31 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Cyclically Adjusted Price-to-FCF is 17.90, which is 57% above median its own 10-year median of 11.43. 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 Cyclically Adjusted Price-to-FCF of 17.90. The stock's GF Value™ is $108.13, compared to a current price of $126.00 — trading 16.5% above its estimated fair value. The current Cyclically Adjusted Price-to-FCF is 17.90, which is 57% above median its 10-year median of 11.43 and 73.6% above the Banks industry median of 10.31. 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 Cyclically Adjusted Price-to-FCF calculated?
Cyclically Adjusted Price-to-FCF is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Cyclically Adjusted Price-to-FCF is 17.90 as of Jul. 06, 2026. 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 16.5% above its estimated GF Value™ of $108.13.
Key valuation signals for CMBNF:
Cyclically Adjusted Price-to-FCF: 17.90 (57% above median its 10-year median of 11.43)
GF Value™: $108.13 vs. price of $126.00 (16.5% above fair value)
Industry Position: 73.6% above the Banks median (#554 of 887)
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
Get the complete analysis for CMBNF
Cyclically Adjusted Price-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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