Cembra Money Bank AGCMBNF 62 Equity-to-Asset is 0.17 as of Dec. 2025, which is at its 10-year median of 0.17. 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 1,524 Banks companies, Cembra Money Bank AG ranks better than 90.49% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Cembra Money Bank AG's Total Stockholders Equity for the quarter that ended in Dec. 2025 was $1,688.3 Mil. Cembra Money Bank AG's Total Assets for the quarter that ended in Dec. 2025 was $9,966.8 Mil.
Therefore, Cembra Money Bank AG's Equity to Asset Ratio for the quarter that ended in Dec. 2025 was 0.17.
The historical rank and industry rank for Cembra Money Bank AG's Equity-to-Asset or its related term are showing as below:
CMBNF'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.15 Med: 0.17 Max: 0.18
Current: 0.17
During the past 13 years, the highest Equity to Asset Ratio of Cembra Money Bank AG was 0.18. The lowest was 0.15. And the median was 0.17.
CMBNF's Equity-to-Asset is ranked better than 90.49% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs CMBNF: 0.17
Cembra Money Bank AG (OTCPK:CMBNF) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Cembra Money Bank AG Equity-to-Asset Related Terms
Cembra Money Bank AG Equity-to-Asset Historical Data
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The historical data trend for Cembra Money Bank AG's Equity-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 Equity-to-Asset Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Equity-to-Asset, along with its competitors' market caps and Equity-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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Cembra Money Bank AG's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.17 as of Dec. 2025. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Cembra Money Bank AG and its competitors. This is near median its historical median of 0.17. Over the past decade, Cembra Money Bank AG's Equity-to-Asset has ranged from 0.15 to 0.18. According to the industry distribution chart, Cembra Money Bank AG ranks #145 out of 1524 companies in the Banks industry, placing it in the top 9.5%.
Is Cembra Money Bank AG's Equity-to-Asset too high?
Cembra Money Bank AG's current Equity-to-Asset of 0.17 is near median its 10-year median of 0.17. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.18. The Banks industry median Equity-to-Asset is 0.10. Cembra Money Bank AG's value of 0.17 is 70% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #145 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position 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 Equity-to-Asset compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #145 out of 1524 companies for Equity-to-Asset. This places Cembra Money Bank AG in the top 10% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. Cembra Money Bank AG's value of 0.17 is 70% above this benchmark. Historically, Cembra Money Bank AG's own Equity-to-Asset has ranged from 0.15 to 0.18 over the past decade. While the company's 10-year median is 0.17 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Equity-to-Asset of 0.17 is 70% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Equity-to-Asset is 0.17, which is near median its own 10-year median of 0.17. 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 Equity-to-Asset of 0.17. 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 Equity-to-Asset is 0.17, which is near median its 10-year median of 0.17 and 70% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Equity-to-Asset is 0.17 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:
Equity-to-Asset: 0.17 (near median its 10-year median of 0.17)
GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
Industry Position: 70% above the Banks median (#145 of 1524)
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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