Cembra Money Bank AGCMBNF 62 PS Ratio is 5.49 as of Jun. 25, 2026, which is 2% above its 10-year median of 5.38. 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 1,514 Banks companies, Cembra Money Bank AG ranks worse than 86.26% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Cembra Money Bank AG's share price is $126.00.
Cembra Money Bank AG's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $22.93. Hence, Cembra Money Bank AG's PS Ratio for today is 5.49.
Warning Sign:
Cembra Money Bank AG stock PS Ratio (=5.2) is close to 3-year high of 5.67.
The historical rank and industry rank for Cembra Money Bank AG's PS Ratio or its related term are showing as below:
CMBNF'
s PS Ratio Range Over the Past 10 Years
Min: 3.4 Med: 5.38 Max: 7.4
Current: 5.2
During the past 13 years, Cembra Money Bank AG's highest PS Ratio was 7.40. The lowest was 3.40. And the median was 5.38.
CMBNF's PS Ratio is ranked worse than 86.26% of 1514
companies
in the Banks industry
Industry Median: 2.98
vs CMBNF: 5.20
Cembra Money Bank AG revenue growth has slowed down over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of Cembra Money Bank AG was -1.50% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 2.10% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 2.20% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 3.40% per year.
During the past 13 years, Cembra Money Bank AG's highest 3-Year average Revenue per Share Growth Rate was 6.80% per year. The lowest was -0.20% per year. And the median was 4.10% per year.
Back to Basics: PS Ratio
Cembra Money Bank AG (OTCPK:CMBNF) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Cembra Money Bank AG PS Ratio Related Terms
Cembra Money Bank AG PS Ratio Historical Data
* Premium members only.
The historical data trend for Cembra Money Bank AG's PS Ratio 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 PS Ratio Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's PS Ratio distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Cembra Money Bank AG's Share Price of today is $126.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Cembra Money Bank AG's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was $22.93.
* 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.
It can also be calculated from the numbers for the whole company:
Cembra Money Bank AG (CMBNF) has a PS Ratio of 5.49 as of Jun. 25, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Cembra Money Bank AG and its competitors. This is near median its historical median of 5.38. Over the past decade, Cembra Money Bank AG's PS Ratio has ranged from 3.40 to 7.40. According to the industry distribution chart, Cembra Money Bank AG ranks #1306 out of 1514 companies in the Banks industry, placing it in the top 86.3%.
Is Cembra Money Bank AG's PS Ratio too high?
Cembra Money Bank AG's current PS Ratio of 5.49 is near median its 10-year median of 5.38. Over the past 10 years, this metric has ranged from a low of 3.40 to a high of 7.40. The Banks industry median PS Ratio is 2.98. Cembra Money Bank AG's value of 5.49 is 84.2% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #1306 out of 1514 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 PS Ratio compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #1306 out of 1514 companies for PS Ratio. This places Cembra Money Bank AG in the lower half of its industry. The industry median PS Ratio is 2.98. Cembra Money Bank AG's value of 5.49 is 84.2% above this benchmark. Historically, Cembra Money Bank AG's own PS Ratio has ranged from 3.40 to 7.40 over the past decade. While the company's 10-year median is 5.38 vs. the industry median of 2.98, 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 2.98, based on 1,514 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current PS Ratio of 5.49 is 84.2% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median PS Ratio is 2.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current PS Ratio is 5.49, which is near median its own 10-year median of 5.38. 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 PS Ratio of 5.49. 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 PS Ratio is 5.49, which is near median its 10-year median of 5.38 and 84.2% above the Banks industry median of 2.98. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current PS Ratio is 5.49 as of Jun. 25, 2026. 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:
PS Ratio: 5.49 (near median its 10-year median of 5.38)
GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
Industry Position: 84.2% above the Banks median (#1306 of 1514)
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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