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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.
1912
812
LTM Revenue $664M
Last FY EBITDA n/a
$7.1B
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Cembra Money Bank has a last 12-month revenue (LTM) of $664M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Cembra Money Bank achieved revenue of $661M and an EBITDA of n/a.
Cembra Money Bank expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Cembra Money Bank valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $664M | XXX | $661M | XXX | XXX | XXX |
| Gross Profit | $664M | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | 100% | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $216M | XXX | $205M | XXX | XXX | XXX |
| Net Margin | 32% | XXX | 31% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | $2.5B | XXX | XXX | XXX |
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As of May 30, 2025, Cembra Money Bank's stock price is CHF 101 (or $121).
Cembra Money Bank has current market cap of CHF 3.0B (or $3.6B), and EV of CHF 5.9B (or $7.1B).
See Cembra Money Bank trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $7.1B | $3.6B | XXX | XXX | XXX | XXX | $7.25 |
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Start Free TrialAs of May 30, 2025, Cembra Money Bank has market cap of $3.6B and EV of $7.1B.
Cembra Money Bank's trades at 10.7x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate Cembra Money Bank's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Cembra Money Bank has a P/E ratio of 16.5x.
See valuation multiples for Cembra Money Bank and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $3.6B | XXX | $3.6B | XXX | XXX | XXX |
| EV (current) | $7.1B | XXX | $7.1B | XXX | XXX | XXX |
| EV/Revenue | 10.6x | XXX | 10.7x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | 10.6x | XXX | n/a | XXX | XXX | XXX |
| P/E | 16.5x | XXX | 17.4x | XXX | XXX | XXX |
| EV/FCF | n/a | XXX | 23.5x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialCembra Money Bank's last 12 month revenue growth is 1%
Cembra Money Bank's revenue per employee in the last FY averaged $0.8M, while opex per employee averaged $0.4M for the same period.
Cembra Money Bank's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Cembra Money Bank's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Cembra Money Bank and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 1% | XXX | 1% | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $0.8M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | $0.4M | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | 2% | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | 48% | XXX | XXX | XXX |
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| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| Abu Dhabi Commercial Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| Abu Dhabi Islamic Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| First Abu Dhabi Bank | XXX | XXX | XXX | XXX | XXX | XXX |
| National Bank of Fujairah | XXX | XXX | XXX | XXX | XXX | XXX |
| RAKBANK | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Cembra Money Bank acquired XXX companies to date.
Last acquisition by Cembra Money Bank was XXXXXXXX, XXXXX XXXXX XXXXXX . Cembra Money Bank acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Cembra Money Bank founded? | Cembra Money Bank was founded in 1912. |
| Where is Cembra Money Bank headquartered? | Cembra Money Bank is headquartered in Switzerland. |
| How many employees does Cembra Money Bank have? | As of today, Cembra Money Bank has 812 employees. |
| Is Cembra Money Bank publicy listed? | Yes, Cembra Money Bank is a public company listed on SWX. |
| What is the stock symbol of Cembra Money Bank? | Cembra Money Bank trades under CMBN ticker. |
| When did Cembra Money Bank go public? | Cembra Money Bank went public in 2013. |
| Who are competitors of Cembra Money Bank? | Similar companies to Cembra Money Bank include e.g. Abu Dhabi Commercial Bank, Abu Dhabi Islamic Bank, First Abu Dhabi Bank, National Bank of Fujairah. |
| What is the current market cap of Cembra Money Bank? | Cembra Money Bank's current market cap is $3.6B |
| What is the current revenue of Cembra Money Bank? | Cembra Money Bank's last 12 months revenue is $664M. |
| What is the current revenue growth of Cembra Money Bank? | Cembra Money Bank revenue growth (NTM/LTM) is 1%. |
| What is the current EV/Revenue multiple of Cembra Money Bank? | Current revenue multiple of Cembra Money Bank is 10.6x. |
| Is Cembra Money Bank profitable? | Yes, Cembra Money Bank is EBITDA-positive (as of the last 12 months). |
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