Cembra Money Bank AGCMBNF 62 Net Margin % is 33.59% as of Dec. 2025, which is 1% above its 10-year median of 33.14. 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. Among 1,526 Banks companies, Cembra Money Bank AG ranks better than 70.64% on this metric.
The historical rank and industry rank for Cembra Money Bank AG's Net Margin % or its related term are showing as below:
CMBNF'
s Net Margin % Range Over the Past 10 Years
Min: 30.38 Med: 33.14 Max: 36.46
Current: 33.12
CMBNF's Net Margin % is ranked better than 70.64% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs CMBNF: 33.12
Cembra Money Bank AG (OTCPK:CMBNF) Net Margin % Explanation
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.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Cembra Money Bank AG Net Margin % Related Terms
Cembra Money Bank AG Net Margin % Historical Data
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The historical data trend for Cembra Money Bank AG's Net Margin % 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 Margin % Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Net Margin % falls into.
* 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 (CMBNF) has a Net Margin % of 33.59% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Cembra Money Bank AG and its competitors. This is near median its historical median of 33.14. Over the past decade, Cembra Money Bank AG's Net Margin % has ranged from 30.38 to 36.46. According to the industry distribution chart, Cembra Money Bank AG ranks #448 out of 1526 companies in the Banks industry, placing it in the top 29.4%.
Is Cembra Money Bank AG's Net Margin % too high?
Cembra Money Bank AG's current Net Margin % of 33.59% is near median its 10-year median of 33.14. Over the past 10 years, this metric has ranged from a low of 30.38 to a high of 36.46. The Banks industry median Net Margin % is 26.97. Cembra Money Bank AG's value of 33.59% is 24.5% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #448 out of 1526 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #448 out of 1526 companies for Net Margin %. This puts Cembra Money Bank AG in the upper half of its industry. The industry median Net Margin % is 26.97. Cembra Money Bank AG's value of 33.59% is 24.5% above this benchmark. Historically, Cembra Money Bank AG's own Net Margin % has ranged from 30.38 to 36.46 over the past decade. While the company's 10-year median is 33.14 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Net Margin % of 33.59% is 24.5% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Net Margin % is 33.59%, which is near median its own 10-year median of 33.14. 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 Margin % of 33.59%. 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 Net Margin % is 33.59%, which is near median its 10-year median of 33.14 and 24.5% above the Banks industry median of 26.97. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Net Margin % is 33.59% 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 18% above its estimated GF Value™ of $106.79.
Key valuation signals for CMBNF:
Net Margin %: 33.59% (near median its 10-year median of 33.14)
GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
Industry Position: 24.5% above the Banks median (#448 of 1526)
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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