CMBNF (Cembra Money Bank AG) Margin of Safety % (DCF Earnings Based): -2.87% (As of Jun. 25, 2026)


CMBNF Cembra Money Bank AG CMBNF
62 GF Score
Price $126.00
GF Value $106.79
! 5 Warning Signs
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What is Cembra Money Bank AG Margin of Safety % (DCF Earnings Based)?

Cembra Money Bank AG CMBNF 62 Margin of Safety % (DCF Earnings Based) is -2.87% as of Jun. 25, 2026. 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.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), Cembra Money Bank AG's Predictability Rank is 3.5-Stars. Cembra Money Bank AG's intrinsic value calculated from the Discounted Earnings model is $122.48 and current share price is $126.00. Consequently,

Cembra Money Bank AG's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -2.87%.

Cembra Money Bank AG Margin of Safety % (DCF Earnings Based) Competitor Comparison

For the Banks - Regional subindustry, Cembra Money Bank AG's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, Cembra Money Bank AG's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Cembra Money Bank AG's Margin of Safety % (DCF Earnings Based) falls into.


CMBNF
62GF Score
Cembra Money Bank AG CMBNF
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Cembra Money Bank AG Margin of Safety % (DCF Earnings Based) Calculation

Cembra Money Bank AG's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(122.48-126.00)/122.48
=-2.87 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of -2.87% mean?
Cembra Money Bank AG (CMBNF) has a Margin of Safety % (DCF Earnings Based) of -2.87% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Cembra Money Bank AG.
Is Cembra Money Bank AG's Margin of Safety % (DCF Earnings Based) too high?
Cembra Money Bank AG's current Margin of Safety % (DCF Earnings Based) is -2.87%. 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 Margin of Safety % (DCF Earnings Based) compare to competitors?
Cembra Money Bank AG's Margin of Safety % (DCF Earnings Based) of -2.87% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Cembra Money Bank AG. Cembra Money Bank AG's current Margin of Safety % (DCF Earnings Based) is -2.87%. 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 Margin of Safety % (DCF Earnings Based) of -2.87%. 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 Margin of Safety % (DCF Earnings Based) is -2.87%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Margin of Safety % (DCF Earnings Based) is -2.87% 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:

  • Margin of Safety % (DCF Earnings Based): -2.87%
  • GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
  • GF Score™: 62/100 with 5 warning signs

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 Business Description

Address Bandliweg 20, Zurich, CHE, 8048
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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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$126.00
Price
$106.79
GF Value