Cembra Money Bank AGWBO:CMBN 62 FCF Yield % is 7.40 as of Jun. 25, 2026, which is 11% below its 10-year median of 8.34. 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 1,504 Banks companies, Cembra Money Bank AG ranks worse than 53.46% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Cembra Money Bank AG FCF Yield % Related Terms
Cembra Money Bank AG FCF Yield % Historical Data
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The historical data trend for Cembra Money Bank AG's FCF Yield % 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 FCF Yield % Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's FCF Yield %, along with its competitors' market caps and FCF Yield % 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 FCF Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's FCF Yield % 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 (WBO:CMBN) has a FCF Yield % of 7.40 as of Jun. 25, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Cembra Money Bank AG and its competitors. This is 11% below median its historical median of 8.34. Over the past decade, Cembra Money Bank AG's FCF Yield % has ranged from 6.47 to 12.70. According to the industry distribution chart, Cembra Money Bank AG ranks #804 out of 1504 companies in the Banks industry, placing it in the top 53.5%.
Is Cembra Money Bank AG's FCF Yield % too high?
Cembra Money Bank AG's current FCF Yield % of 7.40 is 11% below median its 10-year median of 8.34. Over the past 10 years, this metric has ranged from a low of 6.47 to a high of 12.70. The Banks industry median FCF Yield % is 8.24. Cembra Money Bank AG's value of 7.40 is 10.2% below this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #804 out of 1504 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 FCF Yield % compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #804 out of 1504 companies for FCF Yield %. This places Cembra Money Bank AG in the lower half of its industry. The industry median FCF Yield % is 8.24. Cembra Money Bank AG's value of 7.40 is 10.2% below this benchmark. Historically, Cembra Money Bank AG's own FCF Yield % has ranged from 6.47 to 12.70 over the past decade. While the company's 10-year median is 8.34 vs. the industry median of 8.24, 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 FCF Yield % for a Banks company?
The median FCF Yield % among Banks companies is 8.24, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current FCF Yield % of 7.40 is 10.2% 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median FCF Yield % is 8.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current FCF Yield % is 7.40, which is 11% below median its own 10-year median of 8.34. 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 FCF Yield % of 7.40. 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 FCF Yield % is 7.40, which is 11% below median its 10-year median of 8.34 and 10.2% below the Banks industry median of 8.24. 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 FCF Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Cembra Money Bank AG (WBO:CMBN), the current FCF Yield % is 7.40 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:
FCF Yield %: 7.40 (11% below median its 10-year median of 8.34)
GF Value™: €88.14 vs. price of €104.00 (18% above fair value)
Industry Position: 10.2% below the Banks median (#804 of 1504)
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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