Cembra Money Bank AG
Cembra Money Bank AG Fundamental Analysis
Cembra Money Bank AG (CMBN.SW) shows strong financial fundamentals with a PE ratio of 16.77, profit margin of 24.88%, and ROE of 13.89%. The company generates $0.7B in annual revenue with strong year-over-year growth of 15.38%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 55.7/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze CMBN.SW's fundamental strength across five key dimensions:
Efficiency Score
WeakCMBN.SW struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCMBN.SW trades at attractive valuation levels.
Growth Score
ModerateCMBN.SW shows steady but slowing expansion.
Financial Health Score
WeakCMBN.SW carries high financial risk with limited liquidity.
Profitability Score
ModerateCMBN.SW maintains healthy but balanced margins.
Key Financial Metrics
Is CMBN.SW Expensive or Cheap?
P/E Ratio
CMBN.SW trades at 16.77 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, CMBN.SW's PEG of -20.49 indicates potential undervaluation.
Price to Book
The market values Cembra Money Bank AG at 2.24 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 8.30 times EBITDA. This is generally considered low.
How Well Does CMBN.SW Make Money?
Net Profit Margin
For every $100 in sales, Cembra Money Bank AG keeps $24.88 as profit after all expenses.
Operating Margin
Core operations generate 15.01 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.89 in profit for every $100 of shareholder equity.
ROA
Cembra Money Bank AG generates $2.27 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Cembra Money Bank AG generates strong operating cash flow of $214.25M, reflecting robust business health.
Free Cash Flow
Cembra Money Bank AG generates strong free cash flow of $202.54M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $6.91 in free cash annually.
FCF Yield
CMBN.SW converts 7.04% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
16.77
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-20.49
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.24
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.07
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.10
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.22
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How CMBN.SW Stacks Against Its Sector Peers
| Metric | CMBN.SW Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 16.77 | 18.66 | Better (Cheaper) |
| ROE | 13.89% | 806.00% | Weak |
| Net Margin | 24.88% | -436.00% (disorted) | Strong |
| Debt/Equity | 2.10 | 1.00 | Weak (High Leverage) |
| Current Ratio | 0.22 | 662.02 | Weak Liquidity |
| ROA | 2.27% | -24578.00% (disorted) | Weak |
CMBN.SW outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Cembra Money Bank AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
18.66%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
15.26%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-100.00%
Industry Style: Value, Dividend, Cyclical
Declining