Stock CMBNF CEMBRA MONEY BANK AG
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Financials Cembra Money Bank AG OTC Markets

Equities

CMBNF

CH0225173167

Banks

Delayed OTC Markets
Other stock markets
 11:17:00 2023-10-24 EDT 		5-day change 1st Jan Change
66 USD -5.71% Intraday chart for Cembra Money Bank AG -.--% -5.71%
02-22 Transcript : Cembra Money Bank AG, 2023 Earnings Call, Feb 22, 2024
02-22 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 2,254 - -
Enterprise Value (EV) 1 3,114 3,149 1,952 2,256 1,924 2,254 2,254 2,254
P/E ratio 19.2 x 20.6 x 12.1 x 13.4 x 12.2 x 14 x 12 x 10.8 x
Yield 3.54% 3.5% 5.79% 5.14% 6.1% 5.49% 6.12% 6.2%
Capitalization / Revenue 6.49 x 6.33 x 4.01 x 4.43 x 3.73 x 4.31 x 4.14 x 4.06 x
EV / Revenue 6.49 x 6.33 x 4.01 x 4.43 x 3.73 x 4.31 x 4.14 x 4.06 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 1.69 x 1.62 x 1.53 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 76.85 76.85 76.85
Announcement Date 20-02-21 21-02-19 22-02-16 23-02-23 24-02-22 - - -
1CHF in Million2CHF
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 479.7 497.2 487 508.9 515.7 523.3 544.3 554.9
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% 55.56%
Earnings before Tax (EBT) 1 202.9 193.4 200.5 210.5 196.2 196.1 223.7 251.6
Net income 1 159.2 152.9 161.5 169.3 158 156.9 178.9 201.2
Net margin 33.19% 30.75% 33.16% 33.27% 30.65% 29.98% 32.88% 36.27%
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 4.000 4.217 4.700 4.767
Announcement Date 20-02-21 21-02-19 22-02-16 23-02-23 24-02-22 - - -
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 257.1 219.1 247.9 235.9 250 258.9 253 262.7 - -
EBITDA - - - - - - - - - -
EBIT 136.9 - - - - - - - - -
Operating Margin 53.25% - - - - - - - - -
Earnings before Tax (EBT) 103.1 - 99.6 97.4 113 97.51 93.4 - - -
Net income 80.6 - 78.8 78.7 90.6 78.7 75.1 - - -
Net margin 31.35% - 31.79% 33.36% 36.24% 30.4% 29.68% - - -
EPS 1 2.740 - - - 3.080 2.680 2.550 - 2.710 3.070
Dividend per Share 3.750 - - - - - - - - -
Announcement Date 20-02-21 - 21-02-19 21-07-22 22-07-21 23-02-23 23-07-20 24-02-22 - -
1CHF
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% 12.1% 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 50.30
Cash Flow per Share - 7.940 - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 20-02-21 21-02-19 22-02-16 23-02-23 24-02-22 - - -
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
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
3
Last Close Price
76.85 CHF
Average target price
73 CHF
Spread / Average Target
-5.01%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

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