Cembra Money Bank AG (CMBN) — Cash Flow Quality Index

Latest as of June 2025: 0.73x

Cembra Money Bank AG (CMBN) has a Cash Flow Quality Index of 0.73x as of June 2025. Operating cash flow of CHF63.37 Million is below net income of CHF87.22 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore Cembra Money Bank AG (CMBN) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.

Cash Flow Quality Index

0.73x
Operating CF / Net Income

Operating Cash Flow

CHF63.37 Million
CHF

Net Income

CHF87.22 Million
CHF

Data as of

Jun 2025
Most recent filing

Cembra Money Bank AG Cash Flow Quality Index (2007–2024)

Historical Cash Flow Quality Index for Cembra Money Bank AG across 16 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Cembra Money Bank AG (CMBN) cash flow conversion.

Annual Cash Flow Quality Index for Cembra Money Bank AG (2007–2024)

Year-by-year earnings quality comparison for Cembra Money Bank AG.

Year Quality Index Operating CF (CHF) Net Income YoY Change
2024 1.53x CHF260.64 Million CHF170.40 Million ▲ +28.2%
2023 1.19x CHF188.53 Million CHF158.03 Million ▼ -17.0%
2022 1.44x CHF243.42 Million CHF169.30 Million ▲ +33.0%
2021 1.08x CHF174.61 Million CHF161.50 Million ▼ -29.1%
2020 1.53x CHF233.26 Million CHF152.92 Million ▼ -3.8%
2019 1.59x CHF252.39 Million CHF159.20 Million ▲ +9.1%
2018 1.45x CHF223.88 Million CHF154.13 Million ▼ -20.3%
2017 1.82x CHF263.29 Million CHF144.49 Million ▲ +38.1%
2016 1.32x CHF189.68 Million CHF143.71 Million ▼ -5.2%
2015 1.39x CHF201.85 Million CHF145.01 Million ▲ +9.1%
2014 1.28x CHF178.38 Million CHF139.85 Million ▲ +24.8%
2013 1.02x CHF135.79 Million CHF132.88 Million ▼ -70.7%
2012 3.49x CHF467.32 Million CHF134.03 Million ▼ -5.9%
2011 3.71x CHF504.12 Million CHF136.00 Million ▲ +297.0%
2008 0.93x CHF85.22 Million CHF91.27 Million ▼ -82.7%
2007 5.40x CHF406.36 Million CHF75.27 Million —
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.