GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Cembra Money Bank AG (CHIX:CMBNz) » Definitions » Net Income

Cembra Money Bank AG (CHIX:CMBNZ) Net Income : CHF161.3 Mil (TTM As of Jun. 2024)


View and export this data going back to 2013. Start your Free Trial

What is Cembra Money Bank AG Net Income?

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Cembra Money Bank AG's Net Income for the six months ended in Jun. 2024 was CHF78.3 Mil. Its Net Income for the trailing twelve months (TTM) ended in Jun. 2024 was CHF161.3 Mil.

Net Income is linked to the most popular Earnings per Share (Diluted) number. Cembra Money Bank AG's Earnings per Share (Diluted) for the six months ended in Jun. 2024 was CHF2.67.


Cembra Money Bank AG Net Income Historical Data

The historical data trend for Cembra Money Bank AG's Net Income 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.

* Premium members only.

Cembra Money Bank AG Net Income Chart

Cembra Money Bank AG Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 159.20 152.92 161.50 169.30 158.03

Cembra Money Bank AG Semi-Annual Data
Dec14 Jun15 Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24
Net Income 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 90.60 78.70 75.06 82.98 78.34

Cembra Money Bank AG Net Income Calculation

Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.

Net Income
= Revenue - Cost of Goods Sold - Selling, General, & Admin. Expense - Research & Development - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= EBITDA - Depreciation, Depletion and Amortization - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Operating Income - Interest Expense - Non Operating Income (NRI) - Tax Expense + Others
= Pre-Tax Income - Tax Expense + Others

Cembra Money Bank AG's Net Income for the fiscal year that ended in Dec. 2023 is calculated as

Net Income(A: Dec. 2023 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=196.173+-38.14+0+-2.8421709430404E-14
=158.0

Cembra Money Bank AG's Net Income for the quarter that ended in Jun. 2024 is calculated as

Net Income(Q: Jun. 2024 )
= Pre-Tax Income + Tax Provision + Net Income (Discontinued Operations) + Others
=97.625+-19.285+0+0
=78.3

Net Income for the trailing twelve months (TTM) ended in Jun. 2024 adds up the semi-annually data reported by the company within the most recent 12 months, which was CHF161.3 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.


Cembra Money Bank AG  (CHIX:CMBNz) Net Income Explanation

Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:

Cembra Money Bank AG's Earnings per Share (Diluted) (EPS) for the quarter that ended in Jun. 2024 is calculated as

* 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.

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

EPS is most useful for companies that have:

A predictable business
Consistent accounting methods
And few restructurings

The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.


Be Aware

Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.

Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.

If net earnings is less than 10%, likely to be in a highly competitive business.


Cembra Money Bank AG Net Income Related Terms

Thank you for viewing the detailed overview of Cembra Money Bank AG's Net Income provided by GuruFocus.com. Please click on the following links to see related term pages.


Cembra Money Bank AG Business Description

Traded in Other Exchanges
Address
Bandliweg 20, Zurich, CHE, 8048
Cembra Money Bank AG is a consumer finance bank operating in Switzerland. 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 of Interest Income is derived from Personal loans and Auto leases and loans.

Cembra Money Bank AG Headlines

No Headlines