Cembra Money Bank AG (CHIX:CMBNZ) Quality Rank

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CHIX:CMBNZ Cembra Money Bank AG CHIX:CMBNZ
56 GF Score
Price CHF90.05
GF Value CHF81.25
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Cembra Money Bank AG Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Cembra Money Bank AG Quality Rank Related Terms

CHIX:CMBNZ
56GF Score
Cembra Money Bank AG CHIX:CMBNZ
Quality Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Cembra Money Bank AG (CHIX:CMBNZ) 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 10.8% above its estimated GF Value™ of CHF81.25. GuruFocus considers Cembra Money Bank AG to be Modestly Overvalued.

Key valuation signals for CHIX:CMBNZ:

  • Quality Rank:
  • GF Value™: CHF81.25 vs. price of CHF90.05 (10.8% above fair value)
  • GF Score™: 56/100 with 3 warning signs

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

Cembra Money Bank AG Business Description

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.
56GF Score

Get the complete analysis for CHIX:CMBNZ

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

CHF90.05
Price
CHF81.25
GF Value