Cembra Money Bank revenue and financials
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In the fiscal year ended December 2025, Cembra Money Bank reported revenue of CHF 542.19M (−1.50% year over year). Net income was CHF 179.57M, a net margin of 33.1%.
Fiscal year ending in December. Sources and method on the page Methodology and sources.
At a glance
- Revenue growth
- −1.50%
- 2025 vs 2024
- Net income growth
- +5.38%
- 2025 vs 2024
- Net margin
- 33.1%
- 2024: 31.0%
Financial data
Amounts in millions of CHF; per-share values in CHF; shares in millions.
| Item | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Operating cash flow | 219 | 261 | 189 | 243 | — |
| Depreciation and amortization | 18.5 | 26.8 | 27.5 | 26.0 | — |
| Capital expenditure | -12.0 | -10.3 | -9.0 | -15.1 | — |
| Investing cash flow | -58.8 | -113 | -233 | -472 | — |
| Financing cash flow | -162 | -289 | 353 | 298 | — |
| Dividends paid | -125 | -117 | -116 | -113 | — |
| Share repurchases | -6.0 | -2.1 | -1.1 | -3.0 | — |
| Debt issued | 300 | 250 | 935 | 470 | — |
| Debt repaid | -400 | -450 | -450 | -372 | — |
| Net change in cash | -1.5 | -141 | 308 | 69.2 | — |
| Free cash flow | 207 | 250 | 180 | 228 | — |