Cembra Money Bank AG (XSWX:CMBN) Growth Rank: 3 (As of Jul. 21, 2026) — 50% Below Median

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XSWX:CMBN Cembra Money Bank AG XSWX:CMBN
59 GF Score
Price CHF90.05
GF Value CHF81.13
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Cembra Money Bank AG Growth Rank?

Cembra Money Bank AG XSWX:CMBN -0.22% 59 Growth Rank is 3 as of Jul. 21, 2026, which is 50% below its 10-year median of 6.00. GuruFocus rates XSWX:CMBN with a GF Score™ of 59/100 and a GF Value™ of CHF81.13 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Cembra Money Bank AG has the Growth Rank of 3.

GuruFocus Growth Rank measures the growth of a company in terms of its revenue and profitability, rated on a scale from 1 to 10. Historically, the companies with the highest growth ranks performed the best over the long term. It is calculated using the following criteria:

1. 5-year revenue growth rate, the higher, the better.
2. 3-year revenue growth rate, the higher, the better.
3. 5-year EBITDA growth rate, the higher, the better.
4. The predictability of 5-year revenue. The most consistent it is, the higher the rank.

A higher score reflects a greater ability to drive business growth, with companies considered to have strong and sustainable expansion potential. Conversely, a lower score indicates challenges in achieving consistent growth and scalability.

GuruFocus found that the Growth Rank is the second of the two most-sensitive parameters among the five parameters checked. Please click GF Score to see more details on GF Score's 5 Key Aspects of Analysis.

Please note that we are using the five-year EBITDA growth rate as a parameter, so the company needs to have had positive growth over that time. The reason we use EBITDA instead of earnings per share is that with EBITDA, we can rank a lot more companies since a company may have positive EBITDA but negative EPS. Since we are looking at the growth here, EBITDA gives us a pretty clear picture about the growth in the company's business operations.

Cembra Money Bank AG Growth Rank Related Terms

Cembra Money Bank AG Growth Rank Competitor Comparison

For the Banks - Regional subindustry, Cembra Money Bank AG's Growth Rank, along with its competitors' market caps and Growth Rank 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 Growth Rank vs Banks Industry

For the Banks industry and Financial Services sector, Cembra Money Bank AG's Growth Rank distribution charts can be found below:

* The bar in red indicates where Cembra Money Bank AG's Growth Rank falls into.


XSWX:CMBN
59GF Score
Cembra Money Bank AG XSWX:CMBN
Growth Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Growth Rank →
What does a Growth Rank of 3 mean?
Cembra Money Bank AG (XSWX:CMBN) has a Growth Rank of 3 as of Jul. 21, 2026. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Cembra Money Bank AG and its competitors. This is 50% below median its historical median of 6.00. Over the past decade, Cembra Money Bank AG's Growth Rank has ranged from 2.00 to 8.00.
Is Cembra Money Bank AG's Growth Rank too high?
Cembra Money Bank AG's current Growth Rank of 3 is 50% below median its 10-year median of 6.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 8.00. Overall, Cembra Money Bank AG has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cembra Money Bank AG's Growth Rank compare to competitors?
Cembra Money Bank AG's Growth Rank of 3 can be compared against companies in the Banks industry. Historically, Cembra Money Bank AG's own Growth Rank has ranged from 2.00 to 8.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Growth Rank for a Banks company?
A good Growth Rank depends on the Banks industry context. However, Growth Rank 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 Growth Rank mean?
A high Growth Rank can signal that a stock is expensive relative to its fundamentals. Growth Rank measures the growth of a company in terms of its revenue and profitability. View historical data on Cembra Money Bank AG and its competitors. Cembra Money Bank AG's current Growth Rank is 3, which is 50% below median its own 10-year median of 6.00. 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?
Based on GuruFocus' analysis, Cembra Money Bank AG (XSWX:CMBN) is currently considered Modestly Overvalued. The stock's GF Value™ is CHF81.13, compared to a current price of CHF90.05 — trading 11% above its estimated fair value. The current Growth Rank is 3, which is 50% below median its 10-year median of 6.00. Cembra Money Bank AG's overall GF Score™ is 59/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Growth Rank calculated?
Growth Rank is calculated from a company's financial statements. For Cembra Money Bank AG (XSWX:CMBN), the current Growth Rank is 3 as of Jul. 21, 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 (XSWX:CMBN) Overvalued in 2026?

Based on GuruFocus' analysis, Cembra Money Bank AG stock appears to be overvalued. The current stock price of CHF90.05 is trading 11% above its estimated GF Value™ of CHF81.13. GuruFocus considers Cembra Money Bank AG to be Modestly Overvalued.

Key valuation signals for XSWX:CMBN:

  • Growth Rank: 3 (50% below median its 10-year median of 6.00)
  • GF Value™: CHF81.13 vs. price of CHF90.05 (11% above fair value)
  • GF Score™: 59/100 with 3 warning signs

No single metric tells the full story. See the XSWX:CMBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Cembra Money Bank AG Business Description

Other Exchanges CMBNz:UK0QPJ:UKGEH:Germany
Address Bandliweg 20, Zurich, CHE, 8048
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.
59GF Score

Get the complete analysis for XSWX:CMBN

Growth Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

CHF90.05
Price
CHF81.13
GF Value