CMBNF (Cembra Money Bank AG) Net Change in Cash: $-0.8 Mil (TTM As of Dec. 2025)


CMBNF Cembra Money Bank AG CMBNF
61 GF Score
Price $126.00
GF Value $107.84
! 5 Warning Signs
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What is Cembra Money Bank AG Net Change in Cash?

Cembra Money Bank AG CMBNF 61 Net Change in Cash is $-0.8 Mil as of Dec. 2025. 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.

Net Change in Cash is calculated as the total of Cash Flow from Operations , Cash Flow from Investing, Cash Flow from Financing, and Effect of Exchange Rate Changes.

Cembra Money Bank AG's Net Change in Cash for the six months ended in Dec. 2025 was $55.3 Mil. Its Net Change in Cash for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.8 Mil.

Cembra Money Bank AG Net Change in Cash Historical Data

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The historical data trend for Cembra Money Bank AG's Net Change in Cash 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 Net Change in Cash Chart

Cembra Money Bank AG Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Change in Cash
Get a 7-Day Free Trial Premium Member Only Premium Member Only -53.83 74.28 356.13 -157.64 -1.92

Cembra Money Bank AG Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Change in Cash Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 377.87 47.63 -205.39 -56.11 55.34
CMBNF
61GF Score
Cembra Money Bank AG CMBNF
Net Change in Cash is just one metric. See GF Score™, valuation, warning signs, and more.
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Cembra Money Bank AG Net Change in Cash Calculation

Cembra Money Bank AG's Net Change in Cash for the fiscal year that ended in Dec. 2025 is calculated as

Net Change in Cash= Cash Flow from Operations+Cash Flow from Investing+Cash Flow from Financing+Effect of Exchange Rate Changes
=275.321+-73.755+-203.482+0
=-1.9

Cembra Money Bank AG's Net Change in Cash for the quarter that ended in Dec. 2025

Net Change in Cash=Cash Flow from Operations+Cash Flow from Investing+Cash Flow from Financing+Effect of Exchange Rate Changes
=195.805+-4.619+-135.845+0
=55.3

Net Change in Cash for the trailing twelve months (TTM) ended in Dec. 2025 adds up the semi-annually data reported by the company within the most recent 12 months, which was $-0.8 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.

Frequently Asked Questions Learn more about Net Change in Cash →
What does a Net Change in Cash of $-0.8 Mil mean?
Cembra Money Bank AG (CMBNF) has a Net Change in Cash of $-0.8 Mil as of Dec. 2025. The net change in cash is the total change in cash and equivalents between the current period and the past period. View historical data for Cembra Money Bank AG and its competitors.
Is Cembra Money Bank AG's Net Change in Cash too high?
Cembra Money Bank AG's current Net Change in Cash is $-0.8 Mil. 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 Net Change in Cash compare to competitors?
Cembra Money Bank AG's Net Change in Cash of $-0.8 Mil 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 Net Change in Cash for a Banks company?
A good Net Change in Cash depends on the Banks industry context. However, Net Change in Cash 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 Net Change in Cash mean?
A high Net Change in Cash can signal that a stock is expensive relative to its fundamentals. The net change in cash is the total change in cash and equivalents between the current period and the past period. View historical data for Cembra Money Bank AG and its competitors. Cembra Money Bank AG's current Net Change in Cash is $-0.8 Mil. 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 Net Change in Cash of $-0.8 Mil. 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 Net Change in Cash is $-0.8 Mil. 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 Net Change in Cash calculated?
Net Change in Cash is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Net Change in Cash is $-0.8 Mil as of Dec. 2025. 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:

  • Net Change in Cash: $-0.8 Mil
  • GF Value™: $107.84 vs. price of $126.00 (16.8% above fair value)
  • GF Score™: 61/100 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.
61GF Score

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Net Change in Cash is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$126.00
Price
$107.84
GF Value