Cembra Money Bank AG (0QPJ) Share Price & Analysis
0QPJ Stock Chart & Stats
- Day’s Range
- CHF 89.35 - CHF 90.40
- 52-Week Range
- CHF 84.60 - CHF 106.50
- Previous Close
- CHF 89.95
- Volume
- N/A
- Average Volume (3M)
- 9,956
- Market Cap
- CHF 2.62B
- Enterprise Value
- CHF 5.00B
- Total Cash (Recent Filing)
- CHF 506.49M
- Total Debt (Recent Filing)
- CHF 2.73B
- Price to Earnings (P/E)
- 14.3
- Beta
- 0.51
- Next Earnings
- Feb 18, 2027 (Est.)
- EPS Estimate
- 3.06
- Last Dividend Ex-Date
- Apr 28, 2026
- Dividend Yield
- 5.14%
Bulls Say, Bears Say
Bulls Say
High-quality Cash Generation
Cash conversion closely tracking earnings indicates that reported profitability is translating into substantial internally generated funds. This supports dividends, reinvestment, and balance-sheet resilience, while the 2025 acceleration provides a durable cushion for managing credit or funding pressures.
Strong Capital And Liquidity
Robust capital and liquidity buffers give Cembra meaningful capacity to absorb credit losses, maintain lending, and fund operations through changing conditions. These measures also support confidence in the bank’s ability to pursue growth while preserving shareholder distributions.
Strategic Auto-finance Expansion
The acquisition materially expands receivables, dealer and importer relationships, and market share in auto financing. Although benefits build over time, the larger platform should improve scale and diversification, with management expecting earnings accretion from 2027 and a later ROE uplift.
Bears Say
Debt-heavy Funding Profile
Cembra’s leverage remains a structural sensitivity because its debt-heavy funding model can amplify the effects of weaker credit performance or higher funding costs. Low operating-cash-flow coverage of debt also means deleveraging could be slow if conditions become less favorable.
Credit Losses Are Rising
The higher loss rate and provisions indicate growing pressure on credit costs, even though management views the normalized rate near 1%. Additional transaction-related expected-credit-loss accounting could keep reported loss performance above the mid-term target during the next several quarters.
Acquisition Creates Near-term Dilution
The acquisition’s strategic benefits arrive later, while day-one expected-credit-loss and integration charges weigh immediately on earnings. The capital reduction also narrows some financial flexibility in 2026, making execution and timely realization of synergies important to the investment case.
Cembra Money Bank AG News
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Company Description
Cembra Money Bank AG
Cembra Money Bank AG provides consumer finance products and services in Switzerland. The company offers savings and deposit products; cash and personal loans, and auto loans and leasing products; credit card and invoice financing receivables; leasing services for new and used vehicles, including cars, light commercial vehicles, motorcycles, and caravans, as well as corporate leasing services; and investment securities comprising debt securities. It also provides financial protection products for involuntary unemployment, accident, illness, or disability; travel, cyber, and card protection insurance products; car insurance products; investment products; and credit cards, mobile payment, and online banking services. The company serves private and self-employed individuals, and small enterprises. It operates through a network of branches and online distribution channels; and credit card partners, independent intermediaries, and 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
- Industry
- Banks - Regional
- CEO
- Holger Laubenthal
- Employees
- 744
- Website
- www.cembra.ch
- Address
- Bändliweg 20, Zurich, ZH, 8048, CH
Cembra Money Bank AG (0QPJ) Earnings & Revenues
0QPJ Earnings Call
Earnings Call SentimentPositive
The call presented a predominantly positive operational and financial picture: net income and EPS growth, receivables growth, meaningful efficiency gains (lower OpEx, improved cost/income ratio), stable NIM, and strong capital and liquidity metrics. Management also announced a strategically attractive acquisition to scale the auto business and expand partnerships, with medium-term earnings upside (EPS accretive from 2027 and +25 bps ROE by 2028). Notable near-term challenges include flat revenues amid pricing pressure, a slight uptick in the loss rate (and one-off accounting impacts related to the deal), near-term EPS dilution and a 70–80 bps capital hit from the acquisition, and temporary pressure on fee income and some product volumes (BNPL). Overall, the positive operational momentum, capital strength, and strategic rationale for the acquisition outweigh the near-term dilutive and accounting headwinds.
View all GB:0QPJ earnings summaries0QPJ Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 14 | 2 | 6 |
| Technical Analysis | 4 | 2 | 4 |
| Moving Averages | 10 | 0 | 2 |
