Cembra Money Bank AGWBO:CMBN 62 ROE % is 14.29% as of Dec. 2025, which is 3% above its 10-year median of 13.84. 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 1,523 Banks companies, Cembra Money Bank AG ranks better than 75.25% on this metric.
The historical rank and industry rank for Cembra Money Bank AG's ROE % or its related term are showing as below:
WBO:CMBN'
s ROE % Range Over the Past 10 Years
Min: 12.52 Med: 13.84 Max: 17.44
Current: 13.89
During the past 13 years, Cembra Money Bank AG's highest ROE % was 17.44%. The lowest was 12.52%. And the median was 13.84%.
WBO:CMBN's ROE % is ranked better than 75.25% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs WBO:CMBN: 13.89
Cembra Money Bank AG (WBO:CMBN) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is two times the semi-annual (Dec. 2025) net income data. The Revenue data used here is two times the semi-annual (Dec. 2025) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
* 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.
For the Banks - Regional subindustry, Cembra Money Bank AG's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's ROE % distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is two times the semi-annual (Dec. 2025) net income data.
ROE % is displayed in the 30-year financial page.
Cembra Money Bank AG (WBO:CMBN) has a ROE % of 14.29% as of Dec. 2025. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Cembra Money Bank AG and its competitors. This is near median its historical median of 13.84. Over the past decade, Cembra Money Bank AG's ROE % has ranged from 12.52 to 17.44. According to the industry distribution chart, Cembra Money Bank AG ranks #377 out of 1523 companies in the Banks industry, placing it in the top 24.8%.
Is Cembra Money Bank AG's ROE % too high?
Cembra Money Bank AG's current ROE % of 14.29% is near median its 10-year median of 13.84. Over the past 10 years, this metric has ranged from a low of 12.52 to a high of 17.44. The Banks industry median ROE % is 10.22. Cembra Money Bank AG's value of 14.29% is 39.8% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #377 out of 1523 companies in the Banks industry, which is in the top quartile — a strong position 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 ROE % compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #377 out of 1523 companies for ROE %. This places Cembra Money Bank AG in the top 25% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. Cembra Money Bank AG's value of 14.29% is 39.8% above this benchmark. Historically, Cembra Money Bank AG's own ROE % has ranged from 12.52 to 17.44 over the past decade. While the company's 10-year median is 13.84 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current ROE % of 14.29% is 39.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current ROE % is 14.29%, which is near median its own 10-year median of 13.84. 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 ROE % of 14.29%. 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 ROE % is 14.29%, which is near median its 10-year median of 13.84 and 39.8% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Cembra Money Bank AG (WBO:CMBN), the current ROE % is 14.29% 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:
ROE %: 14.29% (near median its 10-year median of 13.84)
GF Value™: €88.14 vs. price of €104.00 (18% above fair value)
Industry Position: 39.8% above the Banks median (#377 of 1523)
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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