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About the company
Cembra Money Bank Ltd, formerly known as GE Money Bank AG, is a Switzerland-based consumer finance bank. It operates through a domestic distribution and sourcing network that includes approximately 25 branches, as well as 200 agents, 3000 auto dealers, credit card partner agreements and online channels. Its offering is diversified into loans, credit cards, leasing, insurance and savings. The loans business focuses on the provision of personal loans. The credit card business engages credit card provision. The leasing business provides leasing services, including automobile, motorcycle and caravan leasing, among others. The insurance business provides insurance solutions, including payment insurance and credit card insurance. The savings business provides saving solutions, including deposit accounts and investment instruments.
- Revenue in CHF (TTM)480.58m
- Net income in CHF179.28m
- Incorporated2009
- Employees805.00
- LocationCembra Money Bank LtdBandliweg 20ZUERICH 8048SwitzerlandCHE
- Phone+41 444398111
- Websitehttps://www.cembra.ch/de/
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Thurgauer Kantonalbank | 473.17m | 157.42m | 724.00m | 910.00 | 4.60 | 0.2534 | 3.29 | 1.62 | 39.36 | 39.36 | 111.61 | 714.25 | -- | -- | -- | -- | 0.6134 | 0.6018 | -- | -- | -- | -- | 47.13 | 46.43 | -- | -- | -- | 8.49 | 1.36 | 13.05 | -0.5851 | 3.19 | -16.09 | 3.96 |
| Cembra Money Bank Ltd | 480.58m | 179.28m | 2.92bn | 805.00 | 15.97 | 2.29 | 14.43 | 5.32 | 6.10 | 6.10 | 18.71 | 42.55 | -- | -- | -- | -- | 2.21 | 2.15 | -- | -- | -- | -- | 32.61 | 31.73 | -- | -- | -- | 71.55 | 15.07 | 6.19 | 7.82 | 1.37 | -9.72 | 2.53 |
| EFG International AG | 1.32bn | 361.20m | 5.76bn | 3.07k | 16.29 | 2.43 | 12.96 | 3.20 | 1.15 | 1.15 | 5.70 | 7.73 | -- | -- | -- | -- | 0.9649 | 0.566 | -- | -- | -- | -- | 21.12 | 14.93 | -- | -- | -- | 62.41 | 5.17 | 16.52 | 5.93 | 26.27 | 5.81 | 14.87 |
| Swissquote Group Holding SA | 771.42m | 307.81m | 6.27bn | 1.10k | 20.07 | 5.11 | 17.71 | 8.12 | 20.37 | 20.37 | 51.05 | 79.99 | 0.06 | -- | -- | 704,497.30 | 2.40 | 2.05 | 17.11 | 21.57 | 96.45 | 94.91 | 39.90 | 35.38 | -- | 11.01 | 0.911 | 25.24 | 24.78 | 21.92 | 35.17 | 45.80 | 16.51 | 43.10 |
| Julius Baer Group Ltd | 1.83bn | 763.70m | 13.17bn | 7.39k | 17.21 | 1.81 | 12.99 | 3.02 | 3.71 | 3.71 | 21.24 | 35.26 | -- | -- | -- | -- | 0.7187 | 0.8027 | -- | -- | -- | -- | 17.50 | 20.47 | -- | -- | -- | 59.62 | -27.14 | 17.24 | -25.28 | 1.82 | 5.92 | 8.24 |
| Holder | Shares | % Held |
|---|---|---|
| UBS Asset Management Switzerland AGas of 03 Feb 2026 | 3.00m | 9.99% |
| The Vanguard Group, Inc.as of 04 Feb 2026 | 1.14m | 3.80% |
| Dimensional Fund Advisors LPas of 05 Feb 2026 | 742.82k | 2.48% |
| Norges Bank Investment Managementas of 30 Jun 2025 | 671.60k | 2.24% |
| Z�rcher Kantonalbank (Investment Management)as of 31 Dec 2025 | 651.08k | 2.17% |
| Vontobel Asset Management AGas of 31 Jan 2026 | 622.54k | 2.08% |
| BlackRock Fund Advisorsas of 06 Feb 2026 | 458.72k | 1.53% |
| zCapital AGas of 31 Dec 2025 | 286.00k | 0.95% |
| Invesco Advisers, Inc.as of 31 Dec 2025 | 280.52k | 0.94% |
| American Century Investment Management, Inc.as of 05 Feb 2026 | 216.92k | 0.72% |
