Cembra Money Bank AGWBO:CMBN 62 Pretax Margin % is 41.76% as of Dec. 2025, which is 1% above its 10-year median of 41.28. GuruFocus rates WBO:CMBN with a GF Score™ of 62/100 and a GF Value™ of €88.14. The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Cembra Money Bank AG ranks better than 66.19% on this metric.
The historical rank and industry rank for Cembra Money Bank AG's Pretax Margin % or its related term are showing as below:
WBO:CMBN'
s Pretax Margin % Range Over the Past 10 Years
Min: 38.04 Med: 41.28 Max: 46.25
Current: 41.2
WBO:CMBN's Pretax Margin % is ranked better than 66.19% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs WBO:CMBN: 41.20
Cembra Money Bank AG (WBO:CMBN) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Cembra Money Bank AG Pretax Margin % Related Terms
Cembra Money Bank AG Pretax Margin % Historical Data
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The historical data trend for Cembra Money Bank AG's Pretax 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 Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Pretax 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 (WBO:CMBN) has a Pretax Margin % of 41.76% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Cembra Money Bank AG and its competitors. This is near median its historical median of 41.28. Over the past decade, Cembra Money Bank AG's Pretax Margin % has ranged from 38.04 to 46.25. According to the industry distribution chart, Cembra Money Bank AG ranks #516 out of 1526 companies in the Banks industry, placing it in the top 33.8%.
Is Cembra Money Bank AG's Pretax Margin % too high?
Cembra Money Bank AG's current Pretax Margin % of 41.76% is near median its 10-year median of 41.28. Over the past 10 years, this metric has ranged from a low of 38.04 to a high of 46.25. The Banks industry median Pretax Margin % is 34.89. Cembra Money Bank AG's value of 41.76% is 19.7% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #516 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 Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #516 out of 1526 companies for Pretax Margin %. This puts Cembra Money Bank AG in the upper half of its industry. The industry median Pretax Margin % is 34.89. Cembra Money Bank AG's value of 41.76% is 19.7% above this benchmark. Historically, Cembra Money Bank AG's own Pretax Margin % has ranged from 38.04 to 46.25 over the past decade. While the company's 10-year median is 41.28 vs. the industry median of 34.89, 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.89, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Pretax Margin % of 41.76% is 19.7% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Pretax Margin % is 41.76%, which is near median its own 10-year median of 41.28. 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 (WBO:CMBN) has a current Pretax Margin % of 41.76%. The stock's GF Value™ is €88.14, compared to a current price of €104.00 — trading 18% above its estimated fair value. The current Pretax Margin % is 41.76%, which is near median its 10-year median of 41.28 and 19.7% above the Banks industry median of 34.89. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Cembra Money Bank AG (WBO:CMBN), the current Pretax Margin % is 41.76% 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 (WBO:CMBN) Overvalued in 2026?
Based on GuruFocus' analysis, Cembra Money Bank AG stock appears to be overvalued.
The current stock price of €104.00 is trading 18% above its estimated GF Value™ of €88.14.
Key valuation signals for WBO:CMBN:
Pretax Margin %: 41.76% (near median its 10-year median of 41.28)
GF Value™: €88.14 vs. price of €104.00 (18% above fair value)
Industry Position: 19.7% above the Banks median (#516 of 1526)
No single metric tells the full story. See the WBO:CMBN 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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