Cembra Money Bank AGWBO:CMBN 62 EV-to-FCF is 23.68 as of Jun. 25, 2026, which is 23% above its 10-year median of 19.22. GuruFocus rates WBO:CMBN with a GF Score™ of 62/100 and a GF Value™ of €88.14. The stock has 5 warning signs investors should review. Among 1,193 Banks companies, Cembra Money Bank AG ranks worse than 85.33% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Cembra Money Bank AG's Enterprise Value is €5,256.1 Mil.
Cembra Money Bank AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €221.9 Mil. Therefore, Cembra Money Bank AG's EV-to-FCF for today is 23.68.
The historical rank and industry rank for Cembra Money Bank AG's EV-to-FCF or its related term are showing as below:
WBO:CMBN'
s EV-to-FCF Range Over the Past 10 Years
Min: 12.57 Med: 19.22 Max: 25.9
Current: 23.42
During the past 13 years, the highest EV-to-FCF of Cembra Money Bank AG was 25.90. The lowest was 12.57. And the median was 19.22.
WBO:CMBN's EV-to-FCF is ranked worse than 85.33% of 1193
companies
in the Banks industry
Industry Median: 6.52
vs WBO:CMBN: 23.42
EV-to-FCF 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 (WBO:CMBN) EV-to-FCF Explanation
EV-to-FCF 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 €104.00.
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 Dec. 2025 was €6.531.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Cembra Money Bank AG EV-to-FCF Related Terms
Cembra Money Bank AG EV-to-FCF Historical Data
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The historical data trend for Cembra Money Bank AG's EV-to-FCF 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-FCF Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's EV-to-FCF falls into.
Cembra Money Bank AG's current Enterprise Value is €5,256.1 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Cembra Money Bank AG's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was €221.9 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 (WBO:CMBN) has a EV-to-FCF of 23.68 as of Jun. 25, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Cembra Money Bank AG and its competitors. This is 23% above median its historical median of 19.22. Over the past decade, Cembra Money Bank AG's EV-to-FCF has ranged from 12.57 to 25.90. According to the industry distribution chart, Cembra Money Bank AG ranks #1018 out of 1193 companies in the Banks industry, placing it in the top 85.3%.
Is Cembra Money Bank AG's EV-to-FCF too high?
Cembra Money Bank AG's current EV-to-FCF of 23.68 is 23% above median its 10-year median of 19.22. Over the past 10 years, this metric has ranged from a low of 12.57 to a high of 25.90. The Banks industry median EV-to-FCF is 6.52. Cembra Money Bank AG's value of 23.68 is 263.2% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #1018 out of 1193 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 EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #1018 out of 1193 companies for EV-to-FCF. This places Cembra Money Bank AG in the lower half of its industry. The industry median EV-to-FCF is 6.52. Cembra Money Bank AG's value of 23.68 is 263.2% above this benchmark. Historically, Cembra Money Bank AG's own EV-to-FCF has ranged from 12.57 to 25.90 over the past decade. While the company's 10-year median is 19.22 vs. the industry median of 6.52, 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-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.52, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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-FCF of 23.68 is 263.2% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median EV-to-FCF is 6.52 — 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-FCF is 23.68, which is 23% above median its own 10-year median of 19.22. 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 (WBO:CMBN) has a current EV-to-FCF of 23.68. The stock's GF Value™ is €88.14, compared to a current price of €104.00 — trading 18% above its estimated fair value. The current EV-to-FCF is 23.68, which is 23% above median its 10-year median of 19.22 and 263.2% above the Banks industry median of 6.52. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Cembra Money Bank AG (WBO:CMBN), the current EV-to-FCF is 23.68 as of Jun. 25, 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 (WBO:CMBN) Overvalued in 2026?
Based on GuruFocus' analysis, Cembra Money Bank AG stock appears to be overvalued.
The current stock price of €104.00 is trading 18% above its estimated GF Value™ of €88.14.
Key valuation signals for WBO:CMBN:
EV-to-FCF: 23.68 (23% above median its 10-year median of 19.22)
GF Value™: €88.14 vs. price of €104.00 (18% above fair value)
Industry Position: 263.2% above the Banks median (#1018 of 1193)
No single metric tells the full story. See the WBO: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.
62GF Score
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