Cembra Money Bank AG (OTCPK:CMBNF) Forward PE Ratio Explanation
The Forward PE Ratio of a company is often used to compare current earnings to estimated future earnings, as well as gaining a clearer picture of what earnings will look like without charges and other accounting adjustments. If earnings are expected to grow in the future, the Forward PE Ratio will be lower than the current PE Ratio. This measure is also used to compare one company to another with a forward-looking focus.
Trailing PE Ratio relies on what is already done. It uses the current share price and divides by the total EPS (Basic) over the past 12 months. PE Ratio can be affected by Non Operating Income such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio .
Cembra Money Bank AG Forward PE Ratio Related Terms
Cembra Money Bank AG Forward PE Ratio Historical Data
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The historical data trend for Cembra Money Bank AG's Forward PE Ratio 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 Forward PE Ratio Chart
Cembra Money Bank AG Annual Data
Trend
2023-12
2024-12
2025-12
Forward PE Ratio
8.77
12.50
10.79
Cembra Money Bank AG Semi-Annual Data
2022-06
2023-12
2024-12
2025-06
2025-12
Forward PE Ratio
12.21
8.77
12.50
11.71
10.79
Cembra Money Bank AG Forward PE Ratio Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Forward PE Ratio, along with its competitors' market caps and Forward PE Ratio 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 Forward PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Forward PE Ratio distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Forward PE Ratio falls into.
It's a measure of the price-to-earnings ratio (PE Ratio) using forecasted earnings for the calculation. While the earnings used are just an estimate and are not as reliable as current earnings data, there is still benefit in estimated P/E analysis. The forecasted earnings used in the formula can either be for the next 12 months or for the next full-year fiscal period.
Cembra Money Bank AG (CMBNF) has a Forward PE Ratio of 14.40 as of Jun. 25, 2026. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Cembra Money Bank AG and its competitors. According to the industry distribution chart, Cembra Money Bank AG ranks #671 out of 818 companies in the Banks industry, placing it in the top 82%.
Is Cembra Money Bank AG's Forward PE Ratio too high?
Cembra Money Bank AG's current Forward PE Ratio is 14.40. The Banks industry median Forward PE Ratio is 10.97. Cembra Money Bank AG's value of 14.40 is 31.3% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #671 out of 818 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 Forward PE Ratio compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #671 out of 818 companies for Forward PE Ratio. This places Cembra Money Bank AG in the lower half of its industry. The industry median Forward PE Ratio is 10.97. Cembra Money Bank AG's value of 14.40 is 31.3% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Forward PE Ratio for a Banks company?
The median Forward PE Ratio among Banks companies is 10.97, based on 818 companies in the industry. Companies in the top quartile (top 25%) have a Forward PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Forward PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Forward PE Ratio of 14.40 is 31.3% 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 Forward PE Ratio mean?
A high Forward PE Ratio can signal that a stock is expensive relative to its fundamentals. Forward P/E ratio is the share price dividend by the expected per-share earnings in the next 12 months. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Forward PE Ratio is 10.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Forward PE Ratio is 14.40. 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 Forward PE Ratio of 14.40. 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 Forward PE Ratio is 14.40 and 31.3% above the Banks industry median of 10.97. 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 Forward PE Ratio calculated?
Forward PE Ratio is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Forward PE Ratio is 14.40 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 (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:
Forward PE Ratio: 14.40
GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
Industry Position: 31.3% above the Banks median (#671 of 818)
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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