Cembra Money Bank AGCMBNF 62 Debt-to-Equity is 2.10 as of Dec. 2025, which is at its 10-year median of 2.10. 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. Among 1,422 Banks companies, Cembra Money Bank AG ranks worse than 85.94% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Cembra Money Bank AG's Debt-to-Equity or its related term are showing as below:
CMBNF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.61 Med: 2.1 Max: 2.49
Current: 2.1
During the past 13 years, the highest Debt-to-Equity Ratio of Cembra Money Bank AG was 2.49. The lowest was 1.61. And the median was 2.10.
CMBNF's Debt-to-Equity is ranked worse than 85.94% of 1422
companies
in the Banks industry
Industry Median: 0.56
vs CMBNF: 2.10
Cembra Money Bank AG (OTCPK:CMBNF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Cembra Money Bank AG Debt-to-Equity Related Terms
Cembra Money Bank AG Debt-to-Equity Historical Data
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The historical data trend for Cembra Money Bank AG's Debt-to-Equity 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-Equity Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Debt-to-Equity falls into.
* 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 (CMBNF) has a Debt-to-Equity of 2.10 as of Dec. 2025. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Cembra Money Bank AG and its competitors. This is near median its historical median of 2.10. Over the past decade, Cembra Money Bank AG's Debt-to-Equity has ranged from 1.61 to 2.49. According to the industry distribution chart, Cembra Money Bank AG ranks #1222 out of 1422 companies in the Banks industry, placing it in the top 85.9%.
Is Cembra Money Bank AG's Debt-to-Equity too high?
Cembra Money Bank AG's current Debt-to-Equity of 2.10 is near median its 10-year median of 2.10. Over the past 10 years, this metric has ranged from a low of 1.61 to a high of 2.49. The Banks industry median Debt-to-Equity is 0.56. Cembra Money Bank AG's value of 2.10 is 275% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #1222 out of 1422 companies in the Banks industry, which is in the bottom quartile relative to peers. 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-Equity compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #1222 out of 1422 companies for Debt-to-Equity. This places Cembra Money Bank AG in the lower half of its industry. The industry median Debt-to-Equity is 0.56. Cembra Money Bank AG's value of 2.10 is 275% above this benchmark. Historically, Cembra Money Bank AG's own Debt-to-Equity has ranged from 1.61 to 2.49 over the past decade. While the company's 10-year median is 2.10 vs. the industry median of 0.56, 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 Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,422 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Debt-to-Equity of 2.10 is 275% 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 Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Debt-to-Equity is 2.10, which is near median its own 10-year median of 2.10. 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-Equity of 2.10. 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-Equity is 2.10, which is near median its 10-year median of 2.10 and 275% above the Banks industry median of 0.56. 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Debt-to-Equity is 2.10 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-Equity: 2.10 (near median its 10-year median of 2.10)
GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
Industry Position: 275% above the Banks median (#1222 of 1422)
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.
62GF Score
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