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About the company
Cembra Money Bank AG, 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)422.13m
- Net income in CHF158.03m
- Incorporated2009
- Employees902.00
- LocationCembra Money Bank AGBaendliweg 20ZUERICH 8048SwitzerlandCHE
- Phone+41 444398111
- Websitehttps://www.cembra.ch/
Peer analysis
- Key Information
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- Efficiency
- Management Effectiveness
- Profitability
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| 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sparekassen Sjaelland-Fyn A/S | 138.61m | 72.97m | 468.20m | 537.00 | 6.59 | 0.8115 | 5.91 | 2.18 | 32.04 | 32.04 | 93.87 | 260.00 | -- | -- | -- | -- | 1.82 | 1.33 | -- | -- | -- | -- | 34.04 | 27.71 | -- | -- | -- | 21.61 | 43.65 | 11.83 | 50.21 | 21.81 | -2.35 | 26.19 |
| Graubuendner Kantonalbank | 548.35m | 218.29m | 1.34bn | 861.00 | 20.39 | 1.54 | 4.65 | 2.44 | 87.56 | 87.56 | 219.83 | 1,155.47 | -- | -- | -- | -- | 0.7744 | 0.6942 | -- | -- | -- | -- | 46.65 | 45.76 | -- | -- | -- | 56.09 | 92.96 | 16.38 | 10.37 | 3.73 | 11.69 | 3.50 |
| OSB Group PLC | 2.01bn | 321.09m | 1.89bn | 2.27k | 6.24 | 0.7818 | 5.65 | 2.26 | 0.6828 | 0.6828 | 1.74 | 5.45 | -- | -- | -- | -- | 0.9889 | 1.20 | -- | -- | -- | -- | 38.46 | 47.62 | -- | -- | -- | 33.97 | 65.25 | 34.07 | -31.07 | 15.82 | 33.87 | 16.99 |
| Cembra Money Bank AG | 422.13m | 158.03m | 2.11bn | 902.00 | 13.15 | 1.66 | 11.37 | 4.09 | 5.38 | 5.38 | 17.56 | 42.60 | -- | -- | -- | -- | 2.01 | 2.21 | -- | -- | -- | -- | 30.65 | 32.19 | -- | -- | -- | 70.77 | 9.48 | 5.05 | -6.66 | 0.5019 | -15.83 | 1.30 |
| Zuger Kantonalbank | 329.53m | 124.82m | 2.47bn | 477.00 | 19.78 | 1.65 | 15.84 | 7.53 | 433.84 | 433.84 | 1,142.47 | 5,192.23 | -- | -- | -- | -- | 0.6669 | 0.5848 | -- | -- | -- | -- | 37.97 | 39.32 | -- | -- | -- | 70.98 | 83.16 | 11.23 | 28.44 | 10.81 | 25.95 | 0.00 |
| Avanza Bank Holding AB | 414.04m | 170.37m | 3.24bn | 662.00 | 18.98 | 6.04 | 18.20 | 7.82 | 12.96 | 12.96 | 31.49 | 40.70 | 0.0175 | -- | -- | 7,485,628.00 | 0.7192 | 0.6902 | 0.9045 | 0.8851 | 71.14 | 81.72 | 41.17 | 46.06 | -- | -- | 0.9064 | 65.53 | 36.60 | 28.34 | 18.97 | 41.53 | -0.8131 | 40.51 |
| Banca Generali SpA | 1.27bn | 317.79m | 4.19bn | 1.06k | 12.88 | 3.46 | 12.29 | 3.31 | 2.86 | 2.86 | 11.37 | 10.65 | 0.0792 | -- | -- | 1,220,479.00 | 1.99 | 1.98 | 16.04 | 15.99 | 61.84 | 60.50 | 25.11 | 25.09 | -- | 401.25 | 0.9176 | 95.91 | 15.89 | 9.48 | 53.09 | 12.61 | 16.15 | 11.46 |
| Holder | Shares | % Held |
|---|---|---|
| UBS Asset Management Switzerland AGas of 31 Dec 2022 | 1.62m | 5.41% |
| Credit Suisse Asset Management (Schweiz) AGas of 12 Jun 2023 | 1.45m | 4.85% |
| The Vanguard Group, Inc.as of 05 Apr 2024 | 1.07m | 3.57% |
| Vontobel Asset Management AGas of 31 Mar 2024 | 841.88k | 2.81% |
| Z�rcher Kantonalbank (Investment Management)as of 29 Feb 2024 | 739.91k | 2.47% |
| Dimensional Fund Advisors LPas of 04 Apr 2024 | 705.70k | 2.35% |
| Norges Bank Investment Managementas of 31 Dec 2023 | 392.64k | 1.31% |
| BlackRock Fund Advisorsas of 04 Apr 2024 | 360.99k | 1.20% |
| Mirabaud Asset Management (Suisse) SAas of 31 Dec 2023 | 283.80k | 0.95% |
| zCapital AGas of 29 Feb 2024 | 280.00k | 0.93% |
