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… Read more
Cembra Money Bank AG (CMBNF) - Net Assets
Latest net assets as of December 2025: $1.35 Billion USD
Based on the latest financial reports, Cembra Money Bank AG (CMBNF) has net assets worth $1.35 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($7.94 Billion) and total liabilities ($6.60 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $1.35 Billion |
| % of Total Assets | 16.94% |
| Annual Growth Rate | -8.39% |
| 5-Year Change | -70.62% |
| 10-Year Change | -59.69% |
| Growth Volatility | 55.86 |
Cembra Money Bank AG - Net Assets Trend (2007–2025)
This chart illustrates how Cembra Money Bank AG's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Cembra Money Bank AG (2007–2025)
The table below shows the annual net assets of Cembra Money Bank AG from 2007 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $1.35 Billion | +4.69% |
| 2024-12-31 | $1.29 Billion | +2.83% |
| 2023-12-31 | $1.25 Billion | -75.11% |
| 2022-12-31 | $5.02 Billion | +9.63% |
| 2021-12-31 | $4.58 Billion | -1.53% |
| 2020-12-31 | $4.65 Billion | -3.65% |
| 2019-12-31 | $4.83 Billion | +22.43% |
| 2018-12-31 | $3.94 Billion | +7.19% |
| 2017-12-31 | $3.68 Billion | +10.21% |
| 2016-12-31 | $3.34 Billion | +5.13% |
| 2015-12-31 | $3.17 Billion | -6.98% |
| 2014-12-31 | $3.41 Billion | +3.72% |
| 2013-12-31 | $3.29 Billion | +199.57% |
| 2012-12-31 | $1.10 Billion | +13.90% |
| 2011-12-31 | $964.23 Million | -84.03% |
| 2009-12-31 | $6.04 Billion | -2.15% |
| 2008-12-31 | $6.17 Billion | -5.35% |
| 2007-12-31 | $6.52 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Cembra Money Bank AG's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 17.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $1.11 Billion | 82.19% |
| Common Stock | $30.00 Million | 2.23% |
| Other Components | $209.63 Million | 15.58% |
| Total Equity | $1.35 Billion | 100.00% |
Cembra Money Bank AG Competitors by Market Cap
The table below lists competitors of Cembra Money Bank AG ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Hankook Tire Co.
KO:161390
|
$2.68 Billion |
|
Gan & Lee Pharmaceuticals Co Ltd
SHG:603087
|
$2.68 Billion |
|
Rubis SCA
PA:RUI
|
$2.68 Billion |
|
Interpump Group S.p.A.
LSE:0EWD
|
$2.68 Billion |
|
Denali Therapeutics Inc
NASDAQ:DNLI
|
$2.67 Billion |
|
Galp Energa
PINK:GLPEY
|
$2.67 Billion |
|
Konecranes ABP
LSE:0MET
|
$2.67 Billion |
|
First Interstate BancSystem Inc
NASDAQ:FIBK
|
$2.67 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Cembra Money Bank AG's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,285,117,000 to 1,345,400,000, a change of 60,283,000 (4.7%).
- Net income of 180,086,293 contributed positively to equity growth.
- Dividend payments of 124,750,777 reduced retained earnings.
- Share repurchases of 6,037,893 reduced equity.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $180.09 Million | +13.39% |
| Dividends Paid | $124.75 Million | -9.27% |
| Share Repurchases | $6.04 Million | -0.45% |
| Other Changes | $10.99 Million | +0.82% |
| Total Change | $- | 4.69% |
Book Value vs Market Value Analysis
This analysis compares Cembra Money Bank AG's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.04x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.81x to 2.04x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2007-12-31 | $32.46 | $91.31 | x |
| 2008-12-31 | $35.50 | $91.31 | x |
| 2009-12-31 | $27.48 | $91.31 | x |
| 2011-12-31 | $32.14 | $91.31 | x |
| 2012-12-31 | $36.61 | $91.31 | x |
| 2013-12-31 | $26.65 | $91.31 | x |
| 2014-12-31 | $28.09 | $91.31 | x |
| 2015-12-31 | $27.72 | $91.31 | x |
| 2016-12-31 | $30.06 | $91.31 | x |
| 2017-12-31 | $31.39 | $91.31 | x |
| 2018-12-31 | $33.09 | $91.31 | x |
| 2019-12-31 | $37.86 | $91.31 | x |
| 2020-12-31 | $38.34 | $91.31 | x |
| 2021-12-31 | $40.83 | $91.31 | x |
| 2022-12-31 | $43.39 | $91.31 | x |
| 2023-12-31 | $42.56 | $91.31 | x |
| 2024-12-31 | $43.74 | $91.31 | x |
| 2025-12-31 | $44.85 | $91.31 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Cembra Money Bank AG utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.39%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 28.34%
- • Asset Turnover: 0.08x
- • Equity Multiplier: 5.90x
- Recent ROE (13.39%) is below the historical average (13.80%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2007 | 7.73% | 20.33% | 0.06x | 6.70x | $-22.10 Million |
| 2008 | 8.57% | 26.79% | 0.06x | 5.80x | $-15.23 Million |
| 2009 | 10.61% | 25.95% | 0.06x | 7.34x | $5.04 Million |
| 2011 | 14.10% | 36.18% | 0.09x | 4.57x | $39.58 Million |
| 2012 | 12.12% | 37.64% | 0.08x | 4.04x | $23.30 Million |
| 2013 | 16.62% | 38.44% | 0.08x | 5.74x | $52.94 Million |
| 2014 | 16.60% | 37.46% | 0.08x | 5.71x | $55.61 Million |
| 2015 | 18.14% | 37.52% | 0.08x | 5.94x | $65.08 Million |
| 2016 | 16.94% | 36.41% | 0.08x | 5.73x | $58.89 Million |
| 2017 | 16.32% | 36.31% | 0.08x | 5.76x | $55.95 Million |
| 2018 | 16.51% | 34.84% | 0.08x | 5.83x | $60.78 Million |
| 2019 | 14.60% | 32.99% | 0.06x | 6.86x | $50.14 Million |
| 2020 | 13.57% | 30.38% | 0.07x | 6.43x | $40.22 Million |
| 2021 | 13.45% | 32.73% | 0.07x | 5.91x | $41.47 Million |
| 2022 | 13.28% | 33.27% | 0.07x | 6.01x | $41.86 Million |
| 2023 | 12.64% | 34.45% | 0.06x | 6.47x | $33.03 Million |
| 2024 | 13.26% | 30.96% | 0.07x | 6.19x | $41.89 Million |
| 2025 | 13.39% | 28.34% | 0.08x | 5.90x | $45.55 Million |
Industry Comparison
This section compares Cembra Money Bank AG's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $22,823,266,317
- Average return on equity (ROE) among peers: 14.64%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Cembra Money Bank AG (CMBNF) | $1.35 Billion | 7.73% | 4.90x | $2.67 Billion |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.91 Billion |
| ACNB Corporation (ACNB) | $106.80 Million | 8.72% | 8.79x | $452.68 Million |
| Addiko Bank AG (ADBKF) | $6.08 Billion | 0.58% | 0.00x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $80.78 Million | 3.82% | 9.53x | $79.98 Million |
| Absa Group Limited (AGRPF) | $56.49 Billion | 12.11% | 11.71x | $6.72 Billion |
| AIB Group plc (AIBGY) | $2.74 Billion | 18.02% | 16.84x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $153.61 Billion | 39.08% | 6.47x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $8.37 Billion | 34.92% | 7.81x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $235.94 Million | 14.17% | 11.96x | $248.47 Million |