Stock CMBN CEMBRA MONEY BANK AG
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Financials Cembra Money Bank AG

Equities

CMBN

CH0225173167

Banks

Market Closed - Swiss Exchange
Other stock markets
 11:31:30 2024-04-26 am EDT 		5-day change 1st Jan Change
70.55 CHF +0.86% Intraday chart for Cembra Money Bank AG -4.92% +7.55%
Feb. 22 Transcript : Cembra Money Bank AG, 2023 Earnings Call, Feb 22, 2024
Feb. 22 Cembra Money Bank Posts Lower FY23 Net Income; Revenue Rises MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 3,114 3,149 1,952 2,256 1,924 2,070 - -
Enterprise Value (EV) 1 3,114 3,149 1,952 2,256 1,924 2,070 2,070 2,070
P/E ratio 19.2 x 20.6 x 12.1 x 13.4 x 12.2 x 12.8 x 11.1 x 9.91 x
Yield 3.54% 3.5% 5.79% 5.14% - 5.98% 6.66% 6.76%
Capitalization / Revenue 6.49 x 6.33 x 4.01 x 4.43 x 3.73 x 3.96 x 3.8 x 3.68 x
EV / Revenue 6.49 x 6.33 x 4.01 x 4.43 x 3.73 x 3.96 x 3.8 x 3.68 x
EV / EBITDA 11,307,305 x 11,395,273 x 7,346,885 x - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 2.92 x 2.85 x 1.63 x 1.77 x 1.54 x 1.55 x 1.48 x 1.41 x
Nbr of stocks (in thousands) 29,378 29,370 29,376 29,343 29,334 29,335 - -
Reference price 2 106.0 107.2 66.45 76.90 65.60 70.55 70.55 70.55
Announcement Date 2/21/20 2/19/21 2/16/22 2/23/23 2/22/24 - - -
1CHF in Million2CHF
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 479.7 497.2 487 508.9 515.7 523.3 544.3 562
EBITDA 275.4 276.3 265.7 - - - - -
EBIT 1 255.9 249.8 240.7 251.4 253.1 259.6 284.2 308.3
Operating Margin 53.35% 50.24% 49.43% 49.41% 49.08% 49.61% 52.23% 54.86%
Earnings before Tax (EBT) 1 202.9 193.4 200.5 210.5 196.2 201.5 234.2 261.3
Net income 1 159.2 152.9 161.5 169.3 158 161.2 187.4 209.1
Net margin 33.19% 30.75% 33.16% 33.27% 30.65% 30.81% 34.43% 37.2%
EPS 2 5.530 5.210 5.490 5.760 5.380 5.493 6.384 7.121
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 3.750 3.750 3.850 3.950 - 4.217 4.700 4.767
Announcement Date 2/21/20 2/19/21 2/16/22 2/23/23 2/22/24 - - -
1CHF in Million2CHF
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2019 S2 2020 S1 2020 S2 2021 S1 2022 S1 2022 S2 2023 S1 2023 S2 2024 S1 2024 S2
Net sales 1 257.1 219.1 247.9 235.9 250 258.9 253 262.7 262.2 269.7
EBITDA - - - - - - - - - -
EBIT 136.9 - - - - - - - - -
Operating Margin 53.25% - - - - - - - - -
Earnings before Tax (EBT) 1 103.1 - 99.6 97.4 113 97.51 93.4 - 99.6 112.8
Net income 1 80.6 - 78.8 78.7 90.6 78.7 75.1 - 79.7 90.2
Net margin 31.35% - 31.79% 33.36% 36.24% 30.4% 29.68% - 30.4% 33.44%
EPS 2 2.740 - - - 3.080 2.680 2.550 - 2.710 3.070
Dividend per Share 3.750 - - - - - - - - -
Announcement Date 2/21/20 - 2/19/21 7/22/21 7/21/22 2/23/23 7/20/23 2/22/24 - -
1CHF in Million2CHF
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 15.7% 13.8% 13.9% 13.7% 12.5% 12.6% 13.8% 14%
ROA (Net income/ Total Assets) 2.46% 2.1% - 2.3% 2.01% - - -
Assets 1 6,463 7,281 - 7,374 7,856 - - -
Book Value Per Share 2 36.40 37.60 40.80 43.40 42.60 45.40 47.60 50.00
Cash Flow per Share - 7.940 - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 2/21/20 2/19/21 2/16/22 2/23/23 2/22/24 - - -
1CHF in Million2CHF
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Cembra Money Bank AG

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
3
Last Close Price
70.55 CHF
Average target price
73 CHF
Spread / Average Target
+3.47%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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