Cembra Money Bank AGWBO:CMBN 62 Shareholder Yield % is 9.21% as of Dec. 2025, which is 191% above its 10-year median of 3.16. 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 1,501 Banks companies, Cembra Money Bank AG ranks better than 76.55% on this metric.
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return.
As of today, Cembra Money Bank AG's Shareholder Yield % was 9.21%.
Cembra Money Bank AG (WBO:CMBN) Shareholder Yield % Explanation
Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."
Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.
Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.
Cembra Money Bank AG Shareholder Yield % Related Terms
Cembra Money Bank AG Shareholder Yield % Historical Data
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The historical data trend for Cembra Money Bank AG's Shareholder Yield % 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 Shareholder Yield % Competitor Comparison
For the Banks - Regional subindustry, Cembra Money Bank AG's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's Shareholder Yield % distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's Shareholder Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
Cembra Money Bank AG (WBO:CMBN) has a Shareholder Yield % of 9.21% as of Dec. 2025. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Cembra Money Bank AG and its competitors. This is 191% above median its historical median of 3.16. According to the industry distribution chart, Cembra Money Bank AG ranks #352 out of 1501 companies in the Banks industry, placing it in the top 23.5%.
Is Cembra Money Bank AG's Shareholder Yield % too high?
Cembra Money Bank AG's current Shareholder Yield % of 9.21% is 191% above median its 10-year median of 3.16. The Banks industry median Shareholder Yield % is 1.61. Cembra Money Bank AG's value of 9.21% is 472% above this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #352 out of 1501 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 Shareholder Yield % compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #352 out of 1501 companies for Shareholder Yield %. This places Cembra Money Bank AG in the top 24% of its industry — outperforming the majority of peers. The industry median Shareholder Yield % is 1.61. Cembra Money Bank AG's value of 9.21% is 472% above this benchmark. While the company's 10-year median is 3.16 vs. the industry median of 1.61, 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 Shareholder Yield % for a Banks company?
The median Shareholder Yield % among Banks companies is 1.61, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current Shareholder Yield % of 9.21% is 472% 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median Shareholder Yield % is 1.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current Shareholder Yield % is 9.21%, which is 191% above median its own 10-year median of 3.16. 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 Shareholder Yield % of 9.21%. 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 Shareholder Yield % is 9.21%, which is 191% above median its 10-year median of 3.16 and 472% above the Banks industry median of 1.61. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For Cembra Money Bank AG (WBO:CMBN), the current Shareholder Yield % is 9.21% 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:
Shareholder Yield %: 9.21% (191% above median its 10-year median of 3.16)
GF Value™: €88.14 vs. price of €104.00 (18% above fair value)
Industry Position: 472% above the Banks median (#352 of 1501)
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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