CMBN (Cembra Money Bank AG) vs Swiss Market Index Comparison

CMBN

Swiss Market Index

Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

Select Stock to Compare

CMBN

Swiss Market Index

Difference

1Y 3Y 5Y 10Y 15Y 20Y

CMBN

Swiss Market Index

Add Stock

Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

Select Stock to Compare

Swiss Market Index

CMBN

AXP

COF

BAJFINANCE

DFS

Add Stock

1Y 3Y 5Y 10Y 15Y 20Y

Compare the stock's returns with its benchmark index and competitors. Gain insights into its relative performance over time.

Select Stock to Compare

Cembra Money Bank AG
Glance View

Market Cap

2.5B CHF

Industry

Financial Services

Nestled in the heart of Switzerland's bustling financial landscape, Cembra Money Bank AG has carved out a formidable presence in the consumer lending sector. Originating from the familiar banking culture of Zurich, Cembra primarily thrives on its knack for providing personal loans, auto leases, and credit cards to a diverse clientele. Essentially, it functions as a pivotal financial artery for many, offering solutions that cater to both individual needs and small business aspirations. The bank's strategic emphasis on convenient and accessible lending plays a vital role in its business model, earning the trust and loyalty of numerous customers who seek reliable, yet flexible financing options. What truly sets Cembra apart in its income-generating pursuits is its dexterity in balancing traditional banking practices with technological innovations. By leveraging robust risk management frameworks and tailored customer service, the bank efficiently mitigates potential credit risks while enhancing its service offerings. Additionally, its diversified portfolio extends beyond traditional loans, with engagements in insurance and savings products, further broadening its revenue streams. This comprehensive approach, immersive in both prudence and modernity, allows Cembra Money Bank to not only remain competitive in the Swiss market but also to chart a course of sustainable profitability amidst a constantly evolving financial landscape.

View CMBN Analysis

CMBN Intrinsic Value

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

US		American Express Co NYSE:AXP	Add
US		Capital One Financial Corp NYSE:COF	Add
IN		Bajaj Finance Ltd NSE:BAJFINANCE	Add
US		Discover Financial Services NYSE:DFS	Add
US		Synchrony Financial NYSE:SYF	Add
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Add
US		SoFi Technologies Inc NASDAQ:SOFI	Add
US	S	Santander Consumer USA Holdings Inc F:77S	Add
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	Add
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	Add

US		American Express Co NYSE:AXP	Select
US		Capital One Financial Corp NYSE:COF	Select
IN		Bajaj Finance Ltd NSE:BAJFINANCE	Select
US		Discover Financial Services NYSE:DFS	Select
US		Synchrony Financial NYSE:SYF	Select
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Select
US		SoFi Technologies Inc NASDAQ:SOFI	Select
US	S	Santander Consumer USA Holdings Inc F:77S	Select
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	Select
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	Select

US		American Express Co NYSE:AXP	Add
US		Capital One Financial Corp NYSE:COF	Add
IN		Bajaj Finance Ltd NSE:BAJFINANCE	Add
US		Discover Financial Services NYSE:DFS	Add
US		Synchrony Financial NYSE:SYF	Add
KZ	K	Kaspi.kz AO NASDAQ:KSPI	Add
US		SoFi Technologies Inc NASDAQ:SOFI	Add
US	S	Santander Consumer USA Holdings Inc F:77S	Add
IN		Shriram Finance Ltd NSE:SHRIRAMFIN	Add
IN		Cholamandalam Investment and Finance Company Ltd NSE:CHOLAFIN	Add

US	G	GE Vernova LLC NYSE:GEV	Add
NL	N	Nepi Rockcastle NV JSE:NRP	Add
US		Schlumberger NV NYSE:SLB	Add
US	B	Baker Hughes Co NASDAQ:BKR	Add
ID		Amman Mineral Internasional Tbk PT IDX:AMMN	Add
US	R	Reddit Inc NYSE:RDDT	Add
CH	G	Galderma Group AG SIX:GALD	Add
US		Halliburton Co NYSE:HAL	Add
IN		Jio Financial Services Ltd NSE:JIOFIN	Add
LU		Tenaris SA MIL:TEN	Add

	Franklin Covey Co NYSE:FC	35.3 USD 0.17%
	Mohawk Industries Inc NYSE:MHK	118.28 USD 0.84%
	Ardmore Shipping Corp NYSE:ASC	12.56 USD -1.64%
	ASGN Inc NYSE:ASGN	86.92 USD 0.67%
	Skyworks Solutions Inc NASDAQ:SWKS	92.63 USD -0.03%
	Weatherford International PLC NASDAQ:WFRD	72.13 USD -3.57%

CMBN

vs

Swiss Market Index

Stocks Performance
CMBN vs Swiss Market Index

Performance Gap
CMBN vs Swiss Market Index

Performance By Year
CMBN vs Swiss Market Index

Competitors Performance
Cembra Money Bank AG vs Peers

Cembra Money Bank AG
Glance View

Company

Help

Tools

Stocks

	Johnson & Johnson NYSE:JNJ	142.27 USD -2.71%
	Bank of America Corp NYSE:BAC	46.21 USD 0.28%
	Mastercard Inc NYSE:MA	516.4 USD 0.98%
	Salesforce Inc NYSE:CRM	326.9 USD 0.61%
	Abbvie Inc NYSE:ABBV	178.5 USD -0.57%
	Home Depot Inc NYSE:HD	387.2 USD 0.77%

	Arista Networks Inc NYSE:ANET	115.51 USD 0.19%
	Visa Inc NYSE:V	312.6 USD 0.3%
	Texas Pacific Land Corp NYSE:TPL	1 275.94 USD 1.4%
	KLA Corp NASDAQ:KLAC	686.2 USD -0.45%
	Manhattan Associates Inc NASDAQ:MANH	272.49 USD 1.6%
	Pinduoduo Inc NASDAQ:PDD	100.32 USD -0.3%

	Salesforce Inc NYSE:CRM	326.9 USD 0.61%
	ServiceNow Inc NYSE:NOW	1 049.08 USD -0.48%
	EOG Resources Inc NYSE:EOG	128.46 USD 0.71%
	Copart Inc NASDAQ:CPRT	56.78 USD 0.96%
	Applied Materials Inc NASDAQ:AMAT	176.99 USD -0.47%
	Synopsys Inc NASDAQ:SNPS	502 USD 2.95%

	Johnson & Johnson NYSE:JNJ	142.27 USD -2.71%
	Berkshire Hathaway Inc NYSE:BRK.A	677 925 USD -0.09%
	Bank of America Corp NYSE:BAC	46.21 USD 0.28%
	Mastercard Inc NYSE:MA	516.4 USD 0.98%
	UnitedHealth Group Inc NYSE:UNH	524.52 USD 2%
	Exxon Mobil Corp NYSE:XOM	106.93 USD -1.67%

CMBN vs Swiss Market Index

Stocks Performance CMBN vs Swiss Market Index

Performance Gap CMBN vs Swiss Market Index

Performance By Year CMBN vs Swiss Market Index

Competitors Performance Cembra Money Bank AG vs Peers

Cembra Money Bank AG Glance View

Company

Help

Tools

Stocks

CMBN

vs

Swiss Market Index

Stocks Performance
CMBN vs Swiss Market Index

Performance Gap
CMBN vs Swiss Market Index

Performance By Year
CMBN vs Swiss Market Index

Competitors Performance
Cembra Money Bank AG vs Peers

Cembra Money Bank AG
Glance View