ScoreComparison
Why is Cembra Money Bank AG ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 0% signifying inadequate buffers against its risk based assets
- A high ratio signifies bank has weaker due diligence systems when giving out loans
2
Flat results in Jun 25
- GROSS NPA (%)(Q) Highest at 1.76%
- ROCE(HY) Lowest at 2.21%
3
With ROA of 1.84%, it has a Very Expensive valuation with a 2.17 Price to Book Value
- Over the past year, while the stock has generated a return of 15.58%, its profits have risen by 8% ; the PEG ratio of the company is 2
Real-Time Research ReportHow much should you sell?
- All quantity irrespective of whether you are making profits or losses
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Cembra Money Bank AG for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Cembra Money Bank AG
16.38%
-0.01
19.08%
Switzerland SMI
10.0%
0.63
15.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.20%
EBIT Growth (5y)
0.17%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
73.15%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
16
Industry P/E
Price to Book Value
2.17
EV to EBIT
25.36
EV to EBITDA
22.15
EV to Capital Employed
1.45
EV to Sales
9.66
PEG Ratio
2.03
Dividend Yield
4.71%
ROCE (Latest)
5.73%
ROE (Latest)
13.67%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at CHF 492.58 MM
ROCE(HY)
Highest at 2.21%
OPERATING PROFIT MARGIN(Q)
Highest at 46.93 %
-5What is not working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Lowest at 2.21%
Here's what is working for Cembra Money Bank AG
Operating Cash Flow
Highest at CHF 492.58 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (CHF MM)
Operating Profit Margin
Highest at 46.93 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Here's what is not working for Cembra Money Bank AG
Non Performing Loans (%)
Highest at 1.76% and Grown
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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