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Equity
Cembra Money Bank AG(0QPJ)
CHF --+0.00%
Reward60Moderate
Risk33Moderate
📊75%Data
Strong 38% profit margin
0QPJ
+0.0 · +0.00%
CHF · LSE
Cembra Money Bank AG |
Quality Compounder
Market Cap:2.76Bn
ℹ️
Reward Rating
60
Moderate
Top 50% (model universe)
75% data coverage
ℹ️
Risk Rating
33
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on 0QPJ to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is Cembra Money Bank AG?

Cembra Money Bank AG provides consumer finance products and services in Switzerland.

0QPJ · Verdict

Solid reward · moderate risk

0QPJ scores well on volatility and profitability with no major weaknesses flagged in the model.

Based on 88% data coverage

0QPJ · Verdict

What’s working & what to watch

Strengths 4

  • Volatility95/100

    Top decile vs peers

  • Profitability82/100

    28% net margin · 14% ROE

  • Valuation67/100

    Above average

  • Cash flow66/100

    33% free-cash-flow margin

No major weaknesses flagged.

Model-based scoring. For information only — not financial advice.

What is 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. The company is listed on the LSE in UK, with a market capitalisation of 2.76B, and a P/E ratio of 0.2x.

Financial Highlights

Investment Breakdown

📈 Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Below-average volatility supports a steadier risk profile.
💸 Valuation
Valuation appears fair relative to current fundamentals.

OpenBook Logo Analysis

Reward: Moderate (60)

The scoring profile indicates moderate reward potential, with profitability and valuation as the leading contributors. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorN/A
Market Cap2.76B
P/E Ratio0.174
Dividend YieldN/A
52 Week High101.6686
52 Week Low84.0079
Last AnnualDecember
IPO DateN/A
IncorporatedUK
Shares Outstanding28M
No. of Employees713
IndustryN/A
ExchangeLSE
Beta0.186
CurrencyCHF
Websitewww.cembra.ch
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