CEMBRA MONEY BANK N chart

Last update: 2022-12-30
Key statistics and financials
Revenue per share 15.67
Dividend & Yield3.85fr (5.37%)
Beta 0.48
Market capitalization 2.15B
Operating cash flow 237.81M
ESG Scores unknown

Company description

Cembra Money Bank AG provides consumer finance products and services in Switzerland. The company offers savings products, including medium-term notes and deposit accounts; loans comprising cash, consumer, personal, business, and auto loans; credit card receivables; and leasing services for new and used vehicles, including cars, light commercial vehicles, motorcycles, and caravans, as well as corporate leasing services. It also provides financial protection products in case of involuntary unemployment, accident, illness, or disability; travel and flight, and card protection insurance products; investment products; and credit cards, mobile payment, and e-services. In addition, the company offers financing solutions to small businesses under the Cembra Business brand, as well as invoice financing services. The company serves private and self-employed individuals, and small and medium enterprises. It operates through a network of branches, as well as through various sales channels, such as the internet, credit card partners, independent intermediaries, and approximately 4,000 car dealers. The company was formerly known as GE Money Bank Aktiengesellschaft and changed its name to Cembra Money Bank AG in October 2013. Cembra Money Bank AG was founded in 1912 and is headquartered in Zurich, Switzerland.

Sector: Financial Services - Industry: Banks—Regional

Financial data

Diluted earning per share

Net income vs Operating income

Asset vs Liabilities

Similar Companies
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Financial Statements

Cashflow Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Change To Liabilities
Total Cashflows From Investing Activities -316.83M -605.85M 229.13M 34.45M
Net Borrowings 75.56M -261.15M -75.06M -75.22M
Total Cash From Financing Activities 174.43M 398.89M -405.12M -258.63M
Change To Operating Activities 9.99M 20.91M 8.68M -43.61M
Issuance Of Stock 101.91M 101.91M
Net Income 154.13M 159.2M 152.92M 161.5M
Change In Cash 81.48M 45.43M 57.28M -49.58M
Effect Of Exchange Rate
Total Cash From Operating Activities 223.88M 252.39M 233.26M 174.61M
Depreciation 13M 19.46M 26.52M 25.05M
Change To Account Receivables
Other Cashflows From Financing Activities 199.81M 665.57M -217.64M -72.73M
Change To Netincome 45.74M 50.63M 51.24M 35.56M
Capital Expenditures -954.66M -1.23B -1.28B -1.33B

Income Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Research Development
Income Before Tax 195.75M 202.88M 193.41M 200.48M
Net Income 154.13M 159.2M 152.92M 161.5M
Selling General Administrative 193.03M 231.76M 247.41M 246.25M
Gross Profit 388.77M 434.64M 440.82M 446.74M
Ebit
Operating Income 195.75M 202.88M 193.41M 200.48M
Interest Expense
Income Tax Expense 41.62M 43.68M 40.49M 38.99M
Total Revenue 388.77M 434.64M 440.82M 446.74M
Cost Of Revenue
Total Other Income ExpenseNet
Net Income From Continuing Ops 154.13M 159.2M 152.92M 161.5M
Net Income Applicable To Common Shares 154.13M 159.2M 152.92M 161.5M

Balance Sheet Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Total Liabilities 4.51B 6.39B 6.12B 5.9B
Total Stockholder Equity 933.45M 1.09B 1.13B 1.2B
Other Current Liabilities
Total Assets 5.44B 7.49B 7.24B 7.1B
Common Stock 30M 30M 30M 30M
Other Current Assets 28.79M 30.97M 31.82M 36.48M
Retained Earnings 816.07M 859.68M 902.37M 953.69M
Treasury Stock -122.21M -58.59M -64.4M -41.1M
Cash 499.32M 542.58M 599M 544.77M
Total Current Liabilities 3.28B 4.03B 3.77B 3.72B
Other Stockholder Equity -21.24M -23.32M -28.55M -6.56M
Property, Plant, and Equipment 7.41M 28.82M 35.38M 28.86M
Total Current Assets 558.5M 610.05M 669.14M 623.63M
Net Tangible Assets 884.42M 840.7M 888.35M 973.32M
Net Receivables 30.39M 36.51M 38.32M 42.39M
Accounts Payable 2.83B 3.5B 3.27B 3.2B


Insider Transactions

Here are the insider transactions of stock shares related to CEMBRA MONEY BANK N:

Filer Name Transaction Text Ownership Date Filer Relation Shares
NO DATA

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to CEMBRA MONEY BANK N. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on CEMBRA MONEY BANK N

Here is the result of two systematic investment strategies applied to CEMBRA MONEY BANK N. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on CEMBRA MONEY BANK N

The following chart shows the equity curve of the two systematic investment strategies applied to CEMBRA MONEY BANK N:

CEMBRA MONEY BANK N automated entries

The systematic investment strategy that buys the first day of the month would give a performance of -30.21% on the backtest period.

Performance at glance

Performance

-30.21 %

Latent gain

-476.45 fr

Invested capital

1577.2 fr

Annualized return

-7.33 %
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Momentum strategy results on CEMBRA MONEY BANK N

This is the result of two momentum investment strategies applied to CEMBRA MONEY BANK N. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on CEMBRA MONEY BANK N

The following chart shows all the entries opened by the momentum investment system on CEMBRA MONEY BANK N:

CEMBRA MONEY BANK N momentum entries
  • The first momentum investment strategy would give -27.91% of return on CEMBRA MONEY BANK N. That represents -1454.0fr of latent gain with 5209.5fr of employed capital.
  • The second momentum investment strategy would give -30.33% of return on CEMBRA MONEY BANK N. That represents -1014.55fr of latent gain with 3345.55fr of employed capital.
Performance at glance (1Q Momentum)

Performance

-27.91 %

Latent gain

-1454.0 fr

Invested capital

5209.5 fr

Annualized return

-15.89 %
Performance at glance (2Q Momentum)

Performance

-30.33 %

Latent gain

-1014.55 fr

Invested capital

3345.55 fr

Annualized return

-8.33 %

Momentum equity curve on CEMBRA MONEY BANK N

The following chart shows the equity curve of the two momentum strategies applied to CEMBRA MONEY BANK N:

CEMBRA MONEY BANK N momentum equity

Note: the dividends potentially given by CEMBRA MONEY BANK N are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on CEMBRA MONEY BANK N

The following chart shows the employed capital evolution of the two momentum strategies on CEMBRA MONEY BANK N since the beginning:

CEMBRA MONEY BANK N

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250fr, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000fr.


Buy the dip strategy result on CEMBRA MONEY BANK N

Buy the dip entry openings on CEMBRA MONEY BANK N

CEMBRA MONEY BANK N

The performance achieved by the robo-advisor on CEMBRA MONEY BANK N is -33.69%. That represents -460.55$ of latent gain with 1367.05fr of employed capital. The following chart shows CEMBRA MONEY BANK N stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of CEMBRA MONEY BANK N, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

-33.69 %

Latent gain

-460.55 fr

Invested capital

1367.05 fr

Annualized return

-15.89 %

Equity curve of the strategy applied to CEMBRA MONEY BANK N

The following chart shows the result of the investment strategy applied to CEMBRA MONEY BANK N:

CEMBRA MONEY BANK N

Note: the dividends potentially given by CEMBRA MONEY BANK N are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on CEMBRA MONEY BANK N

The following chart shows the employed capital evolution since the beginning of the investment strategy on CEMBRA MONEY BANK N:

CEMBRA MONEY BANK N

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on CEMBRA MONEY BANK N

In this section, I will compare the three previous investment strategies applied to CEMBRA MONEY BANK N.

Equity curve comparison on CEMBRA MONEY BANK N

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

CEMBRA MONEY BANK N investment strategy comparison

Employed capital comparison on CEMBRA MONEY BANK N

CEMBRA MONEY BANK N investment comparison

Performance comparison on CEMBRA MONEY BANK N

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment -30.21% -476.45fr 1577.2fr -7.33%
Momentum 1 quarter -27.91% -1454.0fr 5209.5fr -7.19%
Momentum 2 quarters -30.33% -1014.55fr 3345.55fr -8.33%
Non-directional -33.69% -460.55fr 1367.05fr -15.89%
Annualized return comparison

Automatic investment

-7.33 %

Momentum 1Q

-8.33 %

Momentum 2Q

-8.33 %

Non-directional

-15.89 %

Correlated stocks

Here are the most positively and negatively correlated stocks with CEMBRA MONEY BANK N:

Positive correlations

Most correlated stocks this year


Most correlated stocks last 3 months

Negative correlation

Most negatively correlated stocks this year


Most negatively correlated stocks last 3 months

Note: The algorithm computes the probability of correlation between CEMBRA MONEY BANK N and the other stocks. There may be false positives or some missing correlated stocks. If the price of CEMBRA MONEY BANK N does not vary for 36 weeks, the correlation calculation result will be wrong.


Company information

Company name CEMBRA MONEY BANK N
Country Switzerland
City Zurich
Address Bändliweg 20
Phone 41 44 439 8572
Website www.cembra.ch
FullTime employees 916
Industry Banks—Regional
Sector Financial Services
Exchange XSWX
Ticker CMBN.XSWX
Market www.six-group.com

CEMBRA MONEY BANK N ESG Scores

Environment scores

Environment ESG Factors Scores
Environment Score 0
Peer Environment Performance unknown
Environment Percentile unknown
Palm Oil unknown
Nuclear unknown
Fur Leather unknown
GMO unknown
Coal unknown
Pesticides unknown
Animal Testing unknown

Social scores

Social ESG Factors Scores
Social Score 0
Peer Social Performance unknown
Social Percentile unknown
Highest Controversy unknown
Peer Highest Controversy Performance unknown
Adult unknown
Gambling unknown
Alcoholic unknown
Tobacco unknown
Catholic unknown
Controversial Weapons unknown
Small Arms unknown
Military Contract unknown
Peer Count unknown

Related Controversy:


Governance scores

Governance ESG Factors Scores
Governance Score 0
Peer Governance Performance unknown
Governance Percentile unknown

ESG at glance
Total ESG Scores: unknown
Environment Score: 0
Social Score: 0
Governance Score: 0

ESG Performance: unknown

Peer Group: unknown

Peer Esg Score Performance: unknown

Rating Year: unknown

Rating Month: unknown

Max Age: unknown

Percentile: unknown