Cembra Money Bank AG (LTS:0QPJ) Cyclically Adjusted PS Ratio: (As of Sep. 21, 2026)

Author: Vera Yuan Vera Yuan
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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.
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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.

LTS:0QPJ Cembra Money Bank AG LTS:0QPJ
56 GF Score
Price CHF87.05
GF Value CHF89.33
Valuation Fairly Valued
! 4 Warning Signs
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What is Cembra Money Bank AG Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Cembra Money Bank AG  (LTS:0QPJ) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


Cembra Money Bank AG Cyclically Adjusted PS Ratio Related Terms


Cembra Money Bank AG Cyclically Adjusted PS Ratio Historical Data

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The historical data trend for Cembra Money Bank AG's Cyclically Adjusted PS Ratio 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 PS Ratio Chart

Cembra Money Bank AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.58 5.02 4.01 4.87 5.76

Cembra Money Bank AG Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
Cyclically Adjusted PS Ratio 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 4.61 4.88 5.81 5.77 5.38

Cembra Money Bank AG Cyclically Adjusted PS Ratio Competitor Comparison

For the Banks - Regional subindustry, Cembra Money Bank AG's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio 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 PS Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Cembra Money Bank AG's Cyclically Adjusted PS Ratio distribution charts can be found below:

* The bar in red indicates where Cembra Money Bank AG's Cyclically Adjusted PS Ratio falls into.


LTS:0QPJ
56GF Score
Cembra Money Bank AG LTS:0QPJ
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Cembra Money Bank AG Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS 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 PS Ratio.

Cembra Money Bank AG's Cyclically Adjusted Revenue per Share for the fiscal year that ended in Dec25 is calculated as:

For example, Cembra Money Bank AG's adjusted Revenue per Share data for the fiscal year that ended in Dec25 was:

Adj_RevenuePerShare=Revenue per Share/CPI of Dec25 (Change)*Current CPI (Dec25)
=18.455/107.2000*107.2000
=18.455

Current CPI (Dec25) = 107.2000.

Cembra Money Bank AG Annual Data

Revenue per Share CPI Adj_RevenuePerShare
201612 13.965 99.380 15.064
201712 14.051 100.213 15.031
201812 15.557 100.906 16.527
201912 16.655 101.063 17.666
202012 16.915 100.241 18.089
202112 16.568 101.776 17.451
202212 17.324 104.666 17.743
202312 17.558 106.461 17.680
202412 18.739 107.128 18.752
202512 18.455 107.200 18.455

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue per Share.

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.

Is Cembra Money Bank AG (LTS:0QPJ) Overvalued in 2026?

Based on GuruFocus' analysis, Cembra Money Bank AG stock appears to be undervalued. The current stock price of CHF87.05 is trading 2.6% below its estimated GF Value™ of CHF89.33. GuruFocus considers Cembra Money Bank AG to be Fairly Valued.

Key valuation signals for LTS:0QPJ:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: CHF89.33 vs. price of CHF87.05 (2.6% below fair value)
  • GF Score™: 56/100 with 4 warning signs

No single metric tells the full story. See the LTS:0QPJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Cembra Money Bank AG Business Description

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.
56GF Score

Get the complete analysis for LTS:0QPJ

Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF87.05
Price
CHF89.33
GF Value