Cembra Money Bank AGCMBNF 61 Intrinsic Value: Projected FCF is $139.67 as of Jun. 29, 2026, which is 16527% above its 10-year median of 0.84. GuruFocus rates CMBNF with a GF Score™ of 61/100 and a GF Value™ of $107.84. The stock has 5 warning signs investors should review. Among 1,295 Banks companies, Cembra Money Bank AG ranks worse than 80.39% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for Cembra Money Bank AG's Intrinsic Value: Projected FCF or its related term are showing as below:
CMBNF'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.62 Med: 0.84 Max: 1.03
Current: 0.9
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Cembra Money Bank AG was 1.03. The lowest was 0.62. And the median was 0.84.
CMBNF's Price-to-Projected-FCF is ranked worse than 80.39% of 1295
companies
in the Banks industry
Industry Median: 0.58
vs CMBNF: 0.90
Cembra Money Bank AG (OTCPK:CMBNF) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Cembra Money Bank AG's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
126.00
/
129.40845236197
=
0.97
* 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 Intrinsic Value: Projected FCF Related Terms
Cembra Money Bank AG Intrinsic Value: Projected FCF Historical Data
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The historical data trend for Cembra Money Bank AG's Intrinsic Value: Projected 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 Intrinsic Value: Projected FCF Chart
Cembra Money Bank AG Intrinsic Value: Projected FCF Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Price-to-Projected-FCF falls into.
Cembra Money Bank AG Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $139.67 mean?
Cembra Money Bank AG (CMBNF) has a Intrinsic Value: Projected FCF of $139.67 as of Jun. 29, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Cembra Money Bank AG and its competitors. This is 16527% above median its historical median of 0.84. Over the past decade, Cembra Money Bank AG's Intrinsic Value: Projected FCF has ranged from 0.62 to 1.03. According to the industry distribution chart, Cembra Money Bank AG ranks #1041 out of 1295 companies in the Banks industry, placing it in the top 80.4%.
Is Cembra Money Bank AG's Intrinsic Value: Projected FCF too high?
Cembra Money Bank AG's current Intrinsic Value: Projected FCF of $139.67 is 16527% above median its 10-year median of 0.84. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 1.03. The Banks industry median Intrinsic Value: Projected FCF is 0.58. Cembra Money Bank AG's value of $139.67 is 23981% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #1041 out of 1295 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, reflecting its overall financial health beyond just this single metric.
How does Cembra Money Bank AG's Intrinsic Value: Projected FCF compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #1041 out of 1295 companies for Intrinsic Value: Projected FCF. This places Cembra Money Bank AG in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.58. Cembra Money Bank AG's value of $139.67 is 23981% above this benchmark. Historically, Cembra Money Bank AG's own Intrinsic Value: Projected FCF has ranged from 0.62 to 1.03 over the past decade. While the company's 10-year median is 0.84 vs. the industry median of 0.58, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.58, based on 1,295 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Intrinsic Value: Projected FCF of $139.67 is 23981% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Intrinsic Value: Projected FCF is $139.67, which is 16527% above median its own 10-year median of 0.84. 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 Intrinsic Value: Projected FCF of $139.67. The stock's GF Value™ is $107.84, compared to a current price of $126.00 — trading 16.8% above its estimated fair value. The current Intrinsic Value: Projected FCF is $139.67, which is 16527% above median its 10-year median of 0.84 and 23981% above the Banks industry median of 0.58. Cembra Money Bank AG's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Intrinsic Value: Projected FCF is $139.67 as of Jun. 29, 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 16.8% above its estimated GF Value™ of $107.84.
Key valuation signals for CMBNF:
Intrinsic Value: Projected FCF: $139.67 (16527% above median its 10-year median of 0.84)
GF Value™: $107.84 vs. price of $126.00 (16.8% above fair value)
Industry Position: 23981% above the Banks median (#1041 of 1295)
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.
61GF Score
Get the complete analysis for CMBNF
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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