Cembra Money Bank Ltd.
CMBN
ISIN CH0225173167 / Valor 22517316
Cembra Money Bank Ltd.
UMushroom community rating:
About company
Cembra Money Bank Ltd. is a Swiss retail finance specialist, headquartered in Zurich and listed on the SIX Swiss Exchange, that focuses on consumer and small-business lending across Switzerland. Formed from the former GE Money consumer finance operations and established under the Cembra name in 2013, the bank provides personal loans, point-of-sale and auto financing, leasing, credit-card products and deposit/savings solutions, distributing through direct channels, digital platforms and partnerships with dealers and retailers. Its business combines origination, credit risk management and servicing to generate net interest and fee income from a retail loan portfolio concentrated on Swiss households and small enterprises.
Summarized from source with an LLMView SourceSector: FinanceLatest Results (22.05.2026):
Cembra Money Bank Ltd. — Full‑year 2025 results (year ended 31 December 2025; covering Q4/2025 as part of FY2025). Cembra reported net income of CHF 179.6 million for FY2025, up from CHF 170.4 million in FY2024, while net revenues decreased slightly to CHF 542.2 million (2024: CHF 550.5 million). Earnings per share rose to CHF 6.13 basic (2024: CHF 5.81). Total assets and financing receivables were broadly stable year‑over‑year, and shareholders’ equity increased to CHF 1,345.4 million.
Profitability
Net income: CHF 179,567k in 2025 vs CHF 170,397k in 2024 (+~5.4%). Basic EPS: CHF 6.13 (2024: CHF 5.81). Comprehensive income improved to CHF 188,785k (2024: CHF 153,004k), reflecting lower operating expenses and favourable other comprehensive income movements.
Revenues & net interest income
Net revenues: CHF 542,191k (2024: CHF 550,455k). Net interest income declined to CHF 372,159k (2024: CHF 380,480k) as interest income fell to CHF 464,488k from CHF 485,730k and interest expense also decreased to CHF 92,328k from CHF 105,250k.
Credit loss performance
Provision for losses was CHF 73,577k (2024: CHF 74,151k). Allowance for losses increased to CHF 171,308k (2024: CHF 158,454k). Financing receivables, net were CHF 6,584,125k (2024: CHF 6,624,776k).
Costs and efficiency
Total operating expenses fell to CHF 245,230k (2024: CHF 264,522k), with lower compensation & benefits (CHF 121,097k vs CHF 134,808k) and reduced G&A (CHF 124,133k vs CHF 129,714k), supporting higher net income despite slightly lower revenues.
Balance sheet & funding
Total assets: CHF 7,942,517k (2024: CHF 7,948,731k). Deposits rose to CHF 3,589,651k (2024: CHF 3,524,299k). Short‑term debt increased to CHF 849,866k (2024: CHF 400,058k) while long‑term debt reduced to CHF 1,950,723k (2024: CHF 2,499,536k). Shareholders’ equity increased to CHF 1,345,400k (2024: CHF 1,285,116k).
Cash flow & capital returns
Net cash from operating activities: CHF 219,403k (2024: CHF 260,645k). Net cash used in investing: CHF 58,775k. Net cash used in financing: CHF 162,155k. Dividends paid in 2025: CHF 124,691k; treasury share purchases CHF 6,035k.
Operating segments
Business split into Lending and Payments. Lending net income: CHF 113,512k (2024: CHF 98,375k); Payments net income: CHF 66,055k (2024: CHF 72,023k). Provision for losses by segment: Lending CHF 51,242k; Payments CHF 22,335k.
Notable accounting / policy changes
Change in write‑off policy: write‑off timing for auto leases/loans extended to 360 days (from prior shorter periods), treated as a change in estimate — this reduced write‑offs (TCHF 16,156), increased allowances (TCHF 5,954) and had a pre‑tax net benefit of TCHF 10,202. Also, from Jan 2025 expected recoveries on previously written‑off personal loans and credit cards were recognised, reducing the allowance by TCHF 15,612 and lowering provision expense in 2025.
Summarized from source with an LLMView SourceKey figures
Performance
Volatility
3493 M
Market cap (USD)
32,180
Daily traded volume (Shares)
81.9 / 81.3
1 day high/low (USD)
52 weeks high/low (USD)
Dividend ex-date
Dividend (USD)
Dividend yield (p.a.)
Est dividend (USD)
Est dividend yield
P/E ratio
Est P/E ratio
EPS (USD)
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Ratings & reviews
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