Cembra Money Bank AG (CMBN.XSWX) Quality Score
Growth is the primary weakness (avg 25/100). Valuation is the relative bright spot.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.9x book, reasonable for a financial
2–5% CAGR, growing but slowly
Below 2%, book value not compounding
Business Quality & Capital Allocation
Roughly flat, no meaningful dilution
10–15%, healthy ROE
16.9% equity/assets, well-capitalized
Modest contraction, within normal range
Cembra Money Bank (CMBN.XSWX) quality: score, margins and returns
Cembra Money Bank (CMBN.XSWX) scores 59/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.
Frequently asked
Is Cembra Money Bank (CMBN.XSWX) a high-quality business?+
Cembra Money Bank scores 59 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a mixed business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Cembra Money Bank's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from CMBN.XSWX's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Cembra Money Bank scores well and where it falls behind.
How profitable is Cembra Money Bank?+
Cembra Money Bank runs a net margin of about 33.1%. Revenue has grown at roughly 2.7% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.