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Cembra Money Bank AGXSWX:CMBN -0.17%61 EV-to-OCF is 17.03 as of Jul. 24, 2026, which is 7% below its 10-year median of 18.32. GuruFocus rates XSWX:CMBN with a GF Score™ of 61/100 and a GF Value™ of CHF81.14 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,495 Banks companies, Cembra Money Bank AG ranks worse than 88.16% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Cembra Money Bank AG's Enterprise Value is CHF4,674.3 Mil.
Cembra Money Bank AG's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was CHF274.4 Mil. Therefore, Cembra Money Bank AG's EV-to-OCF for today is 17.03.
The historical rank and industry rank for Cembra Money Bank AG's EV-to-OCF or its related term are showing as below:
XSWX:CMBN'
s EV-to-OCF Range Over the Past 10 Years
Min: 12.14 Med: 18.32 Max: 24.67
Current: 21.3
During the past 13 years, the highest EV-to-OCF of Cembra Money Bank AG was 24.67. The lowest was 12.14. And the median was 18.32.
XSWX:CMBN's EV-to-OCF is ranked worse than 88.16% of 1495
companies
in the Banks industry
Industry Median: 3.73
vs XSWX:CMBN: 21.30
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Cembra Money Bank AG (XSWX:CMBN) EV-to-OCF Explanation
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Cembra Money Bank AG's PE Ratio (TTM) for today is calculated as:
Cembra Money Bank AG's share price for today is CHF89.80.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Cembra Money Bank AG's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was CHF6.280.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Cembra Money Bank AG EV-to-OCF Related Terms
Cembra Money Bank AG EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Cembra Money Bank AG's EV-to-OCF 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 EV-to-OCF Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's EV-to-OCF falls into.
Cembra Money Bank AG's current Enterprise Value is CHF4,674.3 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Cembra Money Bank AG's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was CHF274.4 Mil.
* 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 (XSWX:CMBN) has a EV-to-OCF of 17.03 as of Jul. 24, 2026. This is near median its historical median of 18.32. Over the past decade, Cembra Money Bank AG's EV-to-OCF has ranged from 12.14 to 24.67. According to the industry distribution chart, Cembra Money Bank AG ranks #1318 out of 1495 companies in the Banks industry, placing it in the top 88.2%.
Is Cembra Money Bank AG's EV-to-OCF too high?
Cembra Money Bank AG's current EV-to-OCF of 17.03 is near median its 10-year median of 18.32. Over the past 10 years, this metric has ranged from a low of 12.14 to a high of 24.67. The Banks industry median EV-to-OCF is 3.73. Cembra Money Bank AG's value of 17.03 is 356.6% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #1318 out of 1495 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Cembra Money Bank AG has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cembra Money Bank AG's EV-to-OCF compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #1318 out of 1495 companies for EV-to-OCF. This places Cembra Money Bank AG in the lower half of its industry. The industry median EV-to-OCF is 3.73. Cembra Money Bank AG's value of 17.03 is 356.6% above this benchmark. Historically, Cembra Money Bank AG's own EV-to-OCF has ranged from 12.14 to 24.67 over the past decade. While the company's 10-year median is 18.32 vs. the industry median of 3.73, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.73, based on 1,495 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current EV-to-OCF of 17.03 is 356.6% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current EV-to-OCF is 17.03, which is near median its own 10-year median of 18.32. 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?
Based on GuruFocus' analysis, Cembra Money Bank AG (XSWX:CMBN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF81.14, compared to a current price of CHF89.80 — trading 10.7% above its estimated fair value. The current EV-to-OCF is 17.03, which is near median its 10-year median of 18.32 and 356.6% above the Banks industry median of 3.73. Cembra Money Bank AG's overall GF Score™ is 61/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Cembra Money Bank AG (XSWX:CMBN), the current EV-to-OCF is 17.03 as of Jul. 24, 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 (XSWX:CMBN) Overvalued in 2026?
Based on GuruFocus' analysis, Cembra Money Bank AG stock appears to be overvalued.
The current stock price of CHF89.80 is trading 10.7% above its estimated GF Value™ of CHF81.14.
GuruFocus considers Cembra Money Bank AG to be Modestly Overvalued.
Key valuation signals for XSWX:CMBN:
EV-to-OCF: 17.03 (near median its 10-year median of 18.32)
GF Value™: CHF81.14 vs. price of CHF89.80 (10.7% above fair value)
Industry Position: 356.6% above the Banks median (#1318 of 1495)
No single metric tells the full story. See the XSWX:CMBN 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
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