Cembra Money Bank AG (XSWX:CMBN) ROCE %: % (As of Dec. 2025)


XSWX:CMBN Cembra Money Bank AG XSWX:CMBN
62 GF Score
Price CHF95.45
GF Value CHF81.39
Valuation Modestly Overvalued
! 5 Warning Signs
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What is Cembra Money Bank AG ROCE %?

Cembra Money Bank AG XSWX:CMBN -0.68% 62 ROCE % is % as of Dec. 2025. GuruFocus rates XSWX:CMBN with a GF Score™ of 62/100 and a GF Value™ of CHF81.39 (Modestly Overvalued). The stock has 5 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

XSWX:CMBN
62GF Score
Cembra Money Bank AG XSWX:CMBN
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Cembra Money Bank AG (XSWX:CMBN) has a ROCE % of % as of Dec. 2025.
Is Cembra Money Bank AG's ROCE % too high?
Cembra Money Bank AG's current ROCE % is %. Overall, Cembra Money Bank AG has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cembra Money Bank AG's ROCE % compare to competitors?
Cembra Money Bank AG's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.20, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current ROCE % is %. 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 CHF81.39, compared to a current price of CHF95.45 — trading 17.3% above its estimated fair value. The current ROCE % is %. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Cembra Money Bank AG (XSWX:CMBN), the current ROCE % is % 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 (XSWX:CMBN) Overvalued in 2026?

Based on GuruFocus' analysis, Cembra Money Bank AG stock appears to be overvalued. The current stock price of CHF95.45 is trading 17.3% above its estimated GF Value™ of CHF81.39. GuruFocus considers Cembra Money Bank AG to be Modestly Overvalued.

Key valuation signals for XSWX:CMBN:

  • ROCE %: %
  • GF Value™: CHF81.39 vs. price of CHF95.45 (17.3% above fair value)
  • GF Score™: 62/100 with 5 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.
62GF Score

Get the complete analysis for XSWX:CMBN

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

CHF95.45
Price
CHF81.39
GF Value