Cembra Money Bank AG Reports 5 % Increase in 2025 Net Income
Cembra Money Bank AG announced that its net income for the fiscal year 2025 rose by 5 % to 180 million CHF. The increase was attributed primarily to cost‑saving measures implemented across the organization. At the same time, the company observed a decline in net receivables, which exerted downward pressure on earnings.
The bank, which specializes in consumer finance products such as personal loans, vehicle financing, credit cards, and savings and insurance services, has applied a disciplined strategy execution framework. This approach focused on streamlining operations, optimizing the loan portfolio, and enhancing risk management practices.
Financial Highlights
| Metric | 2025 Value | 2024 Value | Change |
|---|---|---|---|
| Net income | 180 million CHF | 171 million CHF | +5 % |
| Revenue | – | – | – |
| Net receivables | – | – | – |
The bank’s performance contributed to a positive market reaction. At 17:00 CET on 17 February 2026, the share price was 99.2 CHF, below the 52‑week high of 104.7 CHF (20 July 2025) but above the 52‑week low of 88.3 CHF (28 July 2025). With a market capitalization of approximately 2.9 billion CHF and a price‑earnings ratio of 16.22, the share represents a stable investment within the Swiss financial sector.
Strategic Context
- Cost Improvements: The bank reported significant reductions in operating expenses, which offset the impact of a modest decline in net receivables.
- Disciplined Execution: Management emphasized disciplined implementation of its strategy, reinforcing risk controls and customer‑centric product development.
- Consumer‑Finance Focus: Cembra continues to serve the Swiss market with a broad range of financial products, maintaining its position as a leading provider in the consumer‑finance industry.
Market Outlook
Analysts noted that the 5 % earnings increase aligns with the bank’s medium‑term growth objectives. The company’s robust capital position and disciplined cost management suggest continued resilience in the Swiss financial market.
For further details, the full earnings release is available through the company’s investor relations portal.
