CMBNF (Cembra Money Bank AG) Debt-to-Asset : 0.36 (As of Dec. 2025)


CMBNF Cembra Money Bank AG CMBNF
62 GF Score
Price $126.00
GF Value $106.79
! 5 Warning Signs
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What is Cembra Money Bank AG Debt-to-Asset?

Cembra Money Bank AG CMBNF 62 Debt-to-Asset is 0.36 as of Dec. 2025. 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.

Cembra Money Bank AG's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $0.0 Mil. Cembra Money Bank AG's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was $3,547.0 Mil. Cembra Money Bank AG's Long-Term Debt & Capital Lease ObligationTotal Assets for the quarter that ended in Dec. 2025 was $9,966.8 Mil. Cembra Money Bank AG's debt to asset for the quarter that ended in Dec. 2025 was 0.36.

Cembra Money Bank AG  (OTCPK:CMBNF) Debt-to-Asset Explanation

In the calculation of Debt-to-Asset, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Assets.

Cembra Money Bank AG Debt-to-Asset Related Terms

Cembra Money Bank AG Debt-to-Asset Historical Data

* Premium members only.

The historical data trend for Cembra Money Bank AG's Debt-to-Asset 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 Debt-to-Asset Chart

Cembra Money Bank AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.36 0.35 0.39 0.37 0.36

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
Debt-to-Asset 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 0.39 0.35 0.37 0.35 0.36

Cembra Money Bank AG Debt-to-Asset Competitor Comparison

For the Banks - Regional subindustry, Cembra Money Bank AG's Debt-to-Asset, along with its competitors' market caps and Debt-to-Asset 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 Debt-to-Asset vs Banks Industry

For the Banks industry and Financial Services sector, Cembra Money Bank AG's Debt-to-Asset distribution charts can be found below:

* The bar in red indicates where Cembra Money Bank AG's Debt-to-Asset falls into.


CMBNF
62GF Score
Cembra Money Bank AG CMBNF
Debt-to-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Cembra Money Bank AG Debt-to-Asset Calculation

Debt to Asset measures the financial leverage a company has.

Cembra Money Bank AG's Debt-to-Asset for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 3547.001) / 9966.767
=0.36

Cembra Money Bank AG's Debt-to-Asset for the quarter that ended in Dec. 2025 is calculated as

Debt-to-Asset=Total Debt / Total Assets
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Assets
=(0 + 3547.001) / 9966.767
=0.36

* 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 Debt-to-Asset →
What does a Debt-to-Asset of 0.36 mean?
Cembra Money Bank AG (CMBNF) has a Debt-to-Asset of 0.36 as of Dec. 2025. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Cembra Money Bank AG and its competitors.
Is Cembra Money Bank AG's Debt-to-Asset too high?
Cembra Money Bank AG's current Debt-to-Asset is 0.36. 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 Debt-to-Asset compare to competitors?
Cembra Money Bank AG's Debt-to-Asset of 0.36 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 Debt-to-Asset for a Banks company?
A good Debt-to-Asset depends on the Banks industry context. However, Debt-to-Asset 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 Debt-to-Asset mean?
A high Debt-to-Asset can signal that a stock is expensive relative to its fundamentals. Debt-to-asset ratio represents the ratio of total debt to total assets. View historical data on Cembra Money Bank AG and its competitors. Cembra Money Bank AG's current Debt-to-Asset is 0.36. 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 Debt-to-Asset of 0.36. 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 Debt-to-Asset is 0.36. 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 Debt-to-Asset calculated?
Debt-to-Asset is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Debt-to-Asset is 0.36 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:

  • Debt-to-Asset: 0.36
  • GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
  • GF Score™: 62/100 with 5 warning signs

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 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.
62GF Score

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Debt-to-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$126.00
Price
$106.79
GF Value