Cembra Money Bank AG(GB:0QPJ)
CHF 85.60-0.08 (-0.09%)
GB:0QPJ
Cembra Money Bank AG financials statements
CHF 85.60
At close:-0.08 (-0.09%)
Cembra Money Bank AG (0QPJ) Ratios
1 Followers
Cembra Money Bank AG Ratios
GB:0QPJ's free cash flow for Q2 2026 was CHF113.27M. For the 2026 fiscal year, GB:0QPJ's free cash flow was decreased by CHF-5.08M and operating cash flow was CHF118.36M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.22 | 0.23 | 1.13 | 0.85 | 0.91 |
| Quick Ratio | 0.22 | 0.23 | 1.13 | 1.64 | 1.72 |
| Cash Ratio | 0.22 | 0.23 | 1.13 | 0.77 | 0.80 |
| Solvency Ratio | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
| Operating Cash Flow Ratio | 0.06 | 0.07 | 0.23 | 0.30 | 0.25 |
| Short-Term Operating Cash Flow Coverage | 0.26 | 0.64 | 0.41 | 0.53 | 0.49 |
| Net Current Asset Value | CHF -5.82B | CHF -5.86B | CHF -5.92B | CHF -5.68B | CHF -5.28B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.36 | 0.37 | 0.38 | 0.34 | 0.35 |
| Debt-to-Equity Ratio | 2.10 | 2.26 | 2.49 | 2.07 | 2.10 |
| Debt-to-Capital Ratio | 0.68 | 0.69 | 0.71 | 0.67 | 0.68 |
| Long-Term Debt-to-Capital Ratio | 0.68 | 0.69 | 0.68 | 0.63 | 0.64 |
| Financial Leverage Ratio | 5.90 | 6.19 | 6.47 | 6.01 | 5.92 |
| Debt Service Coverage Ratio | 0.21 | 0.39 | 0.35 | 0.41 | 0.50 |
| Interest Coverage Ratio | 2.42 | 2.72 | 2.62 | 13.43 | 15.08 |
| Debt to Market Cap | 1.24 | 1.38 | 1.61 | 1.16 | 1.28 |
| Interest Debt Per Share | 97.30 | 102.78 | 108.69 | 90.23 | 86.09 |
| Net Debt to EBITDA | 8.46 | 8.87 | 9.80 | 8.46 | 8.74 |
| Profitability Margins | |||||
| Gross Profit Margin | 73.79% | 100.00% | 128.73% | 100.00% | 100.00% |
| EBIT Margin | 35.17% | -4.87% | 42.76% | 39.10% | 39.08% |
| EBITDA Margin | 38.08% | 43.35% | 48.75% | 43.93% | 43.96% |
| Operating Profit Margin | 35.17% | 51.94% | 42.76% | 39.10% | 39.08% |
| Pretax Profit Margin | 35.17% | 38.47% | 42.76% | 39.10% | 39.08% |
| Net Profit Margin | 28.34% | 30.96% | 34.45% | 31.45% | 31.48% |
| Continuous Operations Profit Margin | 28.27% | 30.96% | 34.45% | 31.45% | 31.48% |
| Net Income Per EBT | 80.58% | 80.46% | 80.56% | 80.44% | 80.55% |
| EBT Per EBIT | 100.00% | 74.07% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 2.27% | 2.14% | 1.95% | 2.21% | 2.27% |
| Return on Equity (ROE) | 13.38% | 13.26% | 12.65% | 13.28% | 13.45% |
| Return on Capital Employed (ROCE) | 5.13% | 6.46% | 2.70% | 3.08% | 3.12% |
| Return on Invested Capital (ROIC) | 3.45% | 4.76% | 2.05% | 2.32% | 2.38% |
| Return on Tangible Assets | 2.33% | 2.20% | 2.01% | 2.35% | 2.40% |
| Earnings Yield | 6.04% | 7.08% | 8.21% | 7.50% | 8.27% |
| Efficiency Ratios | |||||
| Receivables Turnover | 9204.35 | 45.46 | 33.38 | 0.00 | 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 | 10.80 | 11.76 | 8.36 | 21.30 | 17.78 |
| Asset Turnover | 0.08 | 0.07 | 0.06 | 0.07 | 0.07 |
| Working Capital Turnover Ratio | -0.23 | -0.42 | -69.77 | -5.95 | -22.75 |
| Cash Conversion Cycle | 0.04 | 8.03 | 10.94 | 0.00 | 0.00 |
| Days of Sales Outstanding | 0.04 | 8.03 | 10.94 | 0.00 | 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 | 0.04 | 8.03 | 10.94 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 7.31 | 8.88 | 6.43 | 8.29 | 5.94 |
| Free Cash Flow Per Share | 6.91 | 8.53 | 6.12 | 7.89 | 5.60 |
| Dividend Paid and CapEx Coverage Ratio | 1.61 | 2.04 | 1.51 | 1.95 | 1.45 |
| Capital Expenditure Coverage Ratio | 18.29 | 25.31 | 21.03 | 20.68 | 17.52 |
| Operating Cash Flow Coverage Ratio | 0.08 | 0.09 | 0.06 | 0.09 | 0.07 |
| Operating Cash Flow to Sales Ratio | 0.35 | 0.47 | 0.41 | 0.45 | 0.34 |
| Free Cash Flow Yield | 6.96% | 10.41% | 9.33% | 10.26% | 8.43% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 16.21 | 14.12 | 12.18 | 13.33 | 12.09 |
| Price-to-Sales (P/S) Ratio | 4.69 | 4.37 | 4.20 | 4.19 | 3.81 |
| Price-to-Book (P/B) Ratio | 2.22 | 1.87 | 1.54 | 1.77 | 1.63 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 14.37 | 9.61 | 10.72 | 9.74 | 11.86 |
| Price-to-Operating Cash Flow Ratio | 13.58 | 9.23 | 10.21 | 9.27 | 11.18 |
| Price-to-Earnings Growth (PEG) Ratio | 2.94 | 1.81 | -1.85 | 2.72 | 2.17 |
| Enterprise Value Multiple | 20.78 | 18.96 | 18.40 | 18.01 | 17.40 |
| Enterprise Value | 5.03B | 4.52B | 4.12B | 4.26B | 3.92B |
| EV to EBITDA | 20.78 | 18.96 | 18.40 | 18.01 | 17.40 |
| EV to Sales | 7.91 | 8.22 | 8.97 | 7.91 | 7.65 |
| EV to Free Cash Flow | 24.23 | 18.07 | 22.92 | 18.38 | 23.83 |
| EV to Operating Cash Flow | 22.91 | 17.35 | 21.83 | 17.49 | 22.47 |
| Tangible Book Value Per Share | 38.15 | 36.84 | 35.23 | 27.85 | 27.79 |
| Shareholders’ Equity Per Share | 44.85 | 43.80 | 42.60 | 43.42 | 40.86 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.20 | 0.20 | 0.19 | 0.20 | 0.19 |
| Revenue Per Share | 21.17 | 18.76 | 15.64 | 18.34 | 17.46 |
| Net Income Per Share | 6.00 | 5.81 | 5.39 | 5.77 | 5.50 |
| Tax Burden | 0.81 | 0.80 | 0.81 | 0.80 | 0.81 |
| Interest Burden | 1.00 | -7.89 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.16 | 0.18 | 0.18 | 0.14 | 0.14 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.22 | 1.53 | 1.19 | 1.44 | 1.08 |
Currency in CHF
