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Cembra Money Bank AG (CH:CMBN)
:CMBN
Switzerland Market
CMBN
Cembra Money Bank AG
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Cembra Money Bank AG (CMBN) Ratios

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Cembra Money Bank AG Ratios

CH:CMBN's free cash flow for Q2 2026 was CHF0.75. For the 2026 fiscal year, CH:CMBN's free cash flow was decreased by CHF and operating cash flow was CHF0.37. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.75 0.22 0.23 1.13 0.85
Quick Ratio
 0.75 0.22 0.23 1.13 1.64
Cash Ratio
 0.75 0.22 0.23 1.13 0.77
Solvency Ratio
 0.03 0.03 0.03 0.03 0.03
Operating Cash Flow Ratio
 0.41 0.06 0.07 0.23 0.30
Short-Term Operating Cash Flow Coverage
 0.41 0.26 0.64 0.41 0.53
Net Current Asset Value
CHF -5.98BCHF -5.82BCHF -5.86BCHF -5.92BCHF -5.68B
Leverage Ratios
Debt-to-Assets Ratio
 0.35 0.36 0.37 0.38 0.34
Debt-to-Equity Ratio
 2.14 2.10 2.26 2.49 2.07
Debt-to-Capital Ratio
 0.68 0.68 0.69 0.71 0.67
Long-Term Debt-to-Capital Ratio
 0.62 0.68 0.69 0.68 0.63
Financial Leverage Ratio
 6.09 5.90 6.19 6.47 6.01
Debt Service Coverage Ratio
 0.27 0.21 0.39 0.35 0.41
Interest Coverage Ratio
 2.67 2.42 2.72 2.62 13.43
Debt to Market Cap
 1.06 1.24 1.38 1.61 1.16
Interest Debt Per Share
 96.09 97.30 102.78 108.69 90.23
Net Debt to EBITDA
 8.85 8.46 8.87 9.80 8.46
Profitability Margins
Gross Profit Margin
73.81%73.79%100.00%128.73%100.00%
EBIT Margin
36.53%35.17%-4.87%42.76%39.10%
EBITDA Margin
39.99%38.08%43.35%48.75%43.93%
Operating Profit Margin
36.53%35.17%51.94%42.76%39.10%
Pretax Profit Margin
36.53%35.17%38.47%42.76%39.10%
Net Profit Margin
29.46%28.34%30.96%34.45%31.45%
Continuous Operations Profit Margin
29.39%28.27%30.96%34.45%31.45%
Net Income Per EBT
80.64%80.58%80.46%80.56%80.44%
EBT Per EBIT
100.00%100.00%74.07%100.00%100.00%
Return on Assets (ROA)
2.39%2.27%2.14%1.95%2.21%
Return on Equity (ROE)
14.13%13.38%13.26%12.65%13.28%
Return on Capital Employed (ROCE)
3.24%5.13%6.46%2.70%3.08%
Return on Invested Capital (ROIC)
2.38%3.45%4.76%2.05%2.32%
Return on Tangible Assets
2.45%2.33%2.20%2.01%2.35%
Earnings Yield
7.26%6.04%7.08%8.21%7.50%
Efficiency Ratios
Receivables Turnover
 0.00 9.20K 45.46 33.38 0.00
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 11.60 10.80 11.76 8.36 21.30
Asset Turnover
 0.08 0.08 0.07 0.06 0.07
Working Capital Turnover Ratio
 -0.42 -0.23 -0.42 -69.77 -5.95
Cash Conversion Cycle
 0.00 0.04 8.03 10.94 0.00
Days of Sales Outstanding
 0.00 0.04 8.03 10.94 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 0.00 0.04 8.03 10.94 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 9.36 7.31 8.88 6.43 8.29
Free Cash Flow Per Share
 8.90 6.91 8.53 6.12 7.89
CapEx Per Share
 0.46 0.40 0.35 0.31 0.40
Free Cash Flow to Operating Cash Flow
 0.95 0.95 0.96 0.95 0.95
Dividend Paid and CapEx Coverage Ratio
 1.54 1.61 2.04 1.51 1.95
Capital Expenditure Coverage Ratio
 20.36 18.29 25.31 21.03 20.68
Operating Cash Flow Coverage Ratio
 0.10 0.08 0.09 0.06 0.09
Operating Cash Flow to Sales Ratio
 0.44 0.35 0.47 0.41 0.45
Free Cash Flow Yield
10.24%6.96%10.41%9.33%10.26%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 13.95 16.21 14.12 12.18 13.33
Price-to-Sales (P/S) Ratio
 4.06 4.69 4.37 4.20 4.19
Price-to-Book (P/B) Ratio
 2.00 2.22 1.87 1.54 1.77
Price-to-Free Cash Flow (P/FCF) Ratio
 9.77 14.37 9.61 10.72 9.74
Price-to-Operating Cash Flow Ratio
 9.30 13.58 9.23 10.21 9.27
Price-to-Earnings Growth (PEG) Ratio
 6.56 2.94 1.81 -1.85 2.72
Price-to-Fair Value
 2.00 2.22 1.87 1.54 1.77
Enterprise Value Multiple
 18.99 20.78 18.96 18.40 18.01
Enterprise Value
 4.77B 5.03B 4.52B 4.12B 4.26B
EV to EBITDA
 18.99 20.78 18.96 18.40 18.01
EV to Sales
 7.59 7.91 8.22 8.97 7.91
EV to Free Cash Flow
 18.29 24.23 18.07 22.92 18.38
EV to Operating Cash Flow
 17.39 22.91 17.35 21.83 17.49
Tangible Book Value Per Share
 36.65 38.15 36.84 35.23 27.85
Shareholders’ Equity Per Share
 43.48 44.85 43.80 42.60 43.42
Tax and Other Ratios
Effective Tax Rate
 0.20 0.20 0.20 0.19 0.20
Revenue Per Share
 21.44 21.17 18.76 15.64 18.34
Net Income Per Share
 6.32 6.00 5.81 5.39 5.77
Tax Burden
 0.81 0.81 0.80 0.81 0.80
Interest Burden
 1.00 1.00 -7.89 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.19 0.16 0.18 0.18 0.14
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 <0.01 <0.01
Income Quality
 1.49 1.22 1.53 1.19 1.44
Currency in CHF