Pretax income is the income that a company earns before paying income taxes. Cembra Money Bank AG's pretax income for the
six
months ended in Dec. 2025 was $144.0 Mil.
Its pretax income for the trailing twelve months (TTM) ended in Dec. 2025 was $277.6 Mil.
Cembra Money Bank AG's pretax margin was 41.76%.
During the past 13 years, Cembra Money Bank AG's highest Pretax Margin was 46.25%. The lowest was 38.04%. And the median was 41.28%.
Cembra Money Bank AG (OTCPK:CMBNF) Pre-Tax Income Explanation
Cembra Money Bank AG's Pretax Margin for the quarter that ended in Dec. 2025 is calculated as
During the past 13 years, Cembra Money Bank AG's highest Pretax Margin was 46.25%. The lowest was 38.04%. And the median was 41.28%.
* 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 Pre-Tax Income Related Terms
Cembra Money Bank AG Pre-Tax Income Historical Data
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The historical data trend for Cembra Money Bank AG's Pre-Tax 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.
Cembra Money Bank AG Pre-Tax Income Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Pre-Tax Income, along with its competitors' market caps and Pre-Tax Income 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 Pre-Tax Income vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Pre-Tax Income distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Pre-Tax Income falls into.
Pre-Tax Income 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 $277.6 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 (CMBNF) has a Pre-Tax Income of $277.6 Mil as of Dec. 2025. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Cembra Money Bank AG and its competitors.
Is Cembra Money Bank AG's Pre-Tax Income too high?
Cembra Money Bank AG's current Pre-Tax Income is $277.6 Mil. 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 Pre-Tax Income compare to competitors?
Cembra Money Bank AG's Pre-Tax Income of $277.6 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 Pre-Tax Income for a Banks company?
A good Pre-Tax Income depends on the Banks industry context. However, Pre-Tax Income 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 Pre-Tax Income mean?
A high Pre-Tax Income can signal that a stock is expensive relative to its fundamentals. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Cembra Money Bank AG and its competitors. Cembra Money Bank AG's current Pre-Tax Income is $277.6 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 Pre-Tax Income of $277.6 Mil. 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 Pre-Tax Income is $277.6 Mil. 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 Pre-Tax Income calculated?
Pre-Tax Income is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current Pre-Tax Income is $277.6 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 18% above its estimated GF Value™ of $106.79.
Key valuation signals for CMBNF:
Pre-Tax Income: $277.6 Mil
GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
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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