Cembra Money Bank AGCMBNF 62 WACC % is 2.78% as of Jun. 25, 2026, which is 8% above its 10-year median of 2.58. GuruFocus rates CMBNF with a GF Score™ of 62/100 and a GF Value™ of $106.79. The stock has 5 warning signs investors should review. Among 1,542 Banks companies, Cembra Money Bank AG ranks better than 95.78% on this metric.
As of today (2026-06-25), Cembra Money Bank AG's weighted average cost of capital is 2.78%%. Cembra Money Bank AG's ROIC % is 0.00% (calculated using TTM income statement data).
Cembra Money Bank AG earns returns that do not match up to its cost of capital. It will destroy value as it grows.
For a comprehensive WACC calculation, please access the WACC Calculator.
Cembra Money Bank AG (OTCPK:CMBNF) WACC % Explanation
Because it costs money to raise capital. A firm that generates higher ROIC % than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.
As of today, Cembra Money Bank AG's weighted average cost of capital is 2.78%%. Cembra Money Bank AG's ROIC % is 0.00% (calculated using TTM income statement data).
Cembra Money Bank AG earns returns that do not match up to its cost of capital. It will destroy value as it grows.
Be Aware
1. GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding latest one-year semi-annual average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together.
For companies that report quarterly, GuruFocus combines all of the most recent year's quarterly debt data from the beginning of the year to the year-end and calculates the average.
For companies that report semi-annually, GuruFocus combines all of the most recent year's semi-annual debt data from the start of the year to the year-end and calculates the average.
For companies that report annually, GuruFocus combines the beginning and ending annual debt data from the most recent year and then calculates the average.
2. The WACC formula discussed above does not include Preferred Stock. Please adjust if preferred stock is considered.
3. (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
4. GuruFocus uses the latest TTM Interest Expense divided by the latest one-year semi-annual average debt to get the simplified cost of debt.
* 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 WACC %, along with its competitors' market caps and WACC % 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 WACC % vs Banks Industry
For the Banks industry and Financial Services sector, Cembra Money Bank AG's WACC % distribution charts can be found below:
* The bar in red indicates where Cembra Money Bank AG's WACC % falls into.
The weighted average cost of capital (WACC) is the rate that a company is expected to pay on average to all its security holders to finance its assets. The WACC is commonly referred to as the firm's cost of capital. Generally speaking, a company's assets are financed by debt and equity. WACC is the average of the costs of these sources of financing, each of which is weighted by its respective use in the given situation. By taking a weighted average, we can see how much interest the company has to pay for every dollar it finances.
WACC
=
E
/
(E + D)
*
Cost of Equity
+
D
/
(E + D)
*
Cost of Debt
*
(1 - Tax Rate)
1. Weights:
Generally speaking, a company's assets are financed by debt and equity. We need to calculate the weight of equity and the weight of debt.
The market value of equity (E) is also called "Market Cap". As of today, Cembra Money Bank AG's market capitalization (E) is $3452.971 Mil.
The market value of debt is typically difficult to calculate, therefore, GuruFocus uses book value of debt (D) to do the calculation. It is simplified by adding the latest one-year semi-annual average Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation together. As of Dec. 2025, Cembra Money Bank AG's latest one-year semi-annual average Book Value of Debt (D) is $3401.371 Mil.
a) weight of equity = E / (E + D) = 3452.971 / (3452.971 + 3401.371) = 0.5038
b) weight of debt = D / (E + D) = 3401.371 / (3452.971 + 3401.371) = 0.4962
2. Cost of Equity:
GuruFocus uses Capital Asset Pricing Model (CAPM) to calculate the required rate of return. The formula is:
Cost of Equity = Risk-Free Rate of Return + Beta of Asset * (Expected Return of the Market - Risk-Free Rate of Return)
a) GuruFocus uses 10-Year Treasury Constant Maturity Rate as the risk-free rate. It is updated daily. The current risk-free rate is 0.44%. Please go to Economic Indicators page for more information. Please note that we use the 10-Year Treasury Constant Maturity Rate of the country/region where the company is headquartered. If the data for that country/region is not available, then we will use the 10-Year Treasury Constant Maturity Rate of the United States as default.
b) Beta is the sensitivity of the expected excess asset returns to the expected excess market returns. Cembra Money Bank AG's beta is 0.4022.
c) (Expected Return of the Market - Risk-Free Rate of Return) is also called market premium. GuruFocus requires market premium to be 6%.
Cost of Equity = 0.44% + 0.4022 * 6% = 2.8532%
3. Cost of Debt:
GuruFocus uses latest TTM Interest Expense divided by the latest one-year semi-annual average debt to get the simplified cost of debt.
As of Dec. 2025, Cembra Money Bank AG's interest expense (positive number) was $114.675 Mil. Its total Book Value of Debt (D) is $3401.371 Mil.
Cost of Debt = 114.675 / 3401.371 = 3.3714%.
4. Multiply by one minus TTM Tax Rate:
GuruFocus uses the most recent TTM Tax Expense divided by the most recent TTM Pre-Tax Income to calculate the tax rate. The calculated TTM tax rate is limited to between 0% and 100%. If the calculated tax rate is higher than 100%, it is set to 100%. If the calculated tax rate is less than 0%, it is set to 0%.
The latest calculated TTM Tax Rate = 54.447 / 277.584 = 19.61%.
Cembra Money Bank AG's Weighted Average Cost Of Capital (WACC) for Today is calculated as:
WACC
=
E / (E + D)
*
Cost of Equity
+
D / (E + D)
*
Cost of Debt
*
(1 - Tax Rate)
=
0.5038
*
2.8532%
+
0.4962
*
3.3714%
*
(1 - 19.61%)
=
2.78%
* 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 (CMBNF) has a WACC % of 2.78% as of Jun. 25, 2026. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on Cembra Money Bank AG and its competitors. This is near median its historical median of 2.58. Over the past decade, Cembra Money Bank AG's WACC % has ranged from 1.57 to 5.58. According to the industry distribution chart, Cembra Money Bank AG ranks #65 out of 1542 companies in the Banks industry, placing it in the top 4.2%.
Is Cembra Money Bank AG's WACC % too high?
Cembra Money Bank AG's current WACC % of 2.78% is near median its 10-year median of 2.58. Over the past 10 years, this metric has ranged from a low of 1.57 to a high of 5.58. The Banks industry median WACC % is 13.20. Cembra Money Bank AG's value of 2.78% is 78.9% below this industry median. Based on the distribution chart, Cembra Money Bank AG ranks #65 out of 1542 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 WACC % compare to competitors?
According to the Banks industry distribution chart, Cembra Money Bank AG ranks #65 out of 1542 companies for WACC %. This places Cembra Money Bank AG in the top 4% of its industry — outperforming the majority of peers. The industry median WACC % is 13.20. Cembra Money Bank AG's value of 2.78% is 78.9% below this benchmark. Historically, Cembra Money Bank AG's own WACC % has ranged from 1.57 to 5.58 over the past decade. While the company's 10-year median is 2.58 vs. the industry median of 13.20, Cembra Money Bank AG has consistently been below 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 WACC % for a Banks company?
The median WACC % among Banks companies is 13.20, based on 1,542 companies in the industry. Companies in the top quartile (top 25%) have a WACC % significantly above this median, while those in the bottom quartile fall well below. However, WACC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Cembra Money Bank AG's current WACC % of 2.78% is 78.9% below 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 WACC % mean?
A high WACC % can signal that a stock is expensive relative to its fundamentals. The weighted average cost of capital (WACC) is the average rate a company pays to finance assets. View historical data on Cembra Money Bank AG and its competitors. For the Banks industry, the median WACC % is 13.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cembra Money Bank AG's current WACC % is 2.78%, which is near median its own 10-year median of 2.58. 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 (CMBNF) has a current WACC % of 2.78%. The stock's GF Value™ is $106.79, compared to a current price of $126.00 — trading 18% above its estimated fair value. The current WACC % is 2.78%, which is near median its 10-year median of 2.58 and 78.9% below the Banks industry median of 13.20. 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 WACC % calculated?
WACC % is calculated from a company's financial statements. For Cembra Money Bank AG (CMBNF), the current WACC % is 2.78% as of Jun. 25, 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 (CMBNF) Overvalued in 2026?
Based on GuruFocus' analysis, Cembra Money Bank AG stock appears to be overvalued.
The current stock price of $126.00 is trading 18% above its estimated GF Value™ of $106.79.
Key valuation signals for CMBNF:
WACC %: 2.78% (near median its 10-year median of 2.58)
GF Value™: $106.79 vs. price of $126.00 (18% above fair value)
Industry Position: 78.9% below the Banks median (#65 of 1542)
No single metric tells the full story. See the CMBNF 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
Get the complete analysis for CMBNF
WACC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CMBNF has been successfully added to your 
