Cembra Money Bank AGCMBNF 62 3-Year EPS without NRI Growth Rate is 2.00% as of Dec. 2025, which is 29% below its 10-year median of 2.80. 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 1,411 Banks companies, Cembra Money Bank AG ranks worse than 66.19% on this metric.
During the past 12 months, Cembra Money Bank AG's average EPS without NRI Growth Rate was 5.30% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 2.00% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 2.60% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 1.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Cembra Money Bank AG was 47.30% per year. The lowest was 0.20% per year. And the median was 2.80% per year.
Cembra Money Bank AG (OTCPK:CMBNF) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Cembra Money Bank AG 3-Year EPS without NRI Growth Rate Related Terms
Cembra Money Bank AG 3-Year EPS without NRI Growth Rate Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's 3-Year EPS without NRI Growth Rate falls into.
Cembra Money Bank AG 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 2.00% mean?
Cembra Money Bank AG (CMBNF) has a 3-Year EPS without NRI Growth Rate of 2.00% as of Dec. 2025. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Cembra Money Bank AG and its competitors. This is 29% below median its historical median of 2.80. Over the past decade, Cembra Money Bank AG's 3-Year EPS without NRI Growth Rate has ranged from 0.20 to 47.30. According to the industry distribution chart, Cembra Money Bank AG ranks #934 out of 1411 companies in the Banks industry, placing it in the top 66.2%.
Is Cembra Money Bank AG's 3-Year EPS without NRI Growth Rate too high?
Cembra Money Bank AG's current 3-Year EPS without NRI Growth Rate of 2.00% is 29% below median its 10-year median of 2.80. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 47.30. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.30. Cembra Money Bank AG's value of 2.00% is 72.6% below this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #934 out of 1411 companies in the Banks industry, which is below the industry midpoint. 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 3-Year EPS without NRI Growth Rate compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #934 out of 1411 companies for 3-Year EPS without NRI Growth Rate. This places Cembra Money Bank AG in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.30. Cembra Money Bank AG's value of 2.00% is 72.6% below this benchmark. Historically, Cembra Money Bank AG's own 3-Year EPS without NRI Growth Rate has ranged from 0.20 to 47.30 over the past decade. While the company's 10-year median is 2.80 vs. the industry median of 7.30, Cembra Money Bank AG has consistently been below 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 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.30, based on 1,411 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current 3-Year EPS without NRI Growth Rate of 2.00% is 72.6% below 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Cembra Money Bank AG and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current 3-Year EPS without NRI Growth Rate is 2.00%, which is 29% below median its own 10-year median of 2.80. 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 3-Year EPS without NRI Growth Rate of 2.00%. 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 3-Year EPS without NRI Growth Rate is 2.00%, which is 29% below median its 10-year median of 2.80 and 72.6% below the Banks industry median of 7.30. 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 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current 3-Year EPS without NRI Growth Rate is 2.00% 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:
3-Year EPS without NRI Growth Rate: 2.00% (29% below median its 10-year median of 2.80)
GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
Industry Position: 72.6% below the Banks median (#934 of 1411)
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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