Intrinsic Value

The intrinsic value of Cembra Money Bank AG (0QPJ) under the Base Case is 101.892 CHF per share. Compared with the current market price of 87.325 CHF, the stock appears Undervalued by 14% .

The intrinsic value is calculated using the DCF method.

Do our valuations actually work? See backtest results .

0QPJ Intrinsic Value
CHf101.892
Undervaluation 14%
Intrinsic Value
Price CHf87.325

0QPJ is valued in line with its history. A discount of this size has been typical over the past 5 years.

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20% below Intrinsic Value CHf81.51
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Intrinsic Value CHf101.89
Current Price CHf87.33
Margin of Safety 20% CHf81.51
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Fundamental Analysis

What Cembra Money Bank Does

Financial Services Financials

Cembra Money Bank is a Swiss consumer finance company. It lends money to households for personal loans, auto financing, and credit cards, and it also offers savings and deposit products. Its customers are mainly private individuals and, to a lesser extent, small businesses that need straightforward financing rather than a full-service bank relationship.

Headquarters
Switzerland CH
Employees
805
IPO date
Oct 30, 2013
Read the full company overview
View Company Overview

Latest Earnings Call

Q2 2026 · July 23, 2026

Open the earnings call
Stock, next trading day
−2.8%
View Earnings Call
Financials
Efficiency

Wall St Price Targets

Capital Returns

Competitive Landscape

What is the Intrinsic Value of one 0QPJ stock?

The intrinsic value for Cembra Money Bank AG (0QPJ) under the Base Case is 101.892 CHF.

Is 0QPJ stock undervalued or overvalued?

Compared with the current market price of 87.325 CHF, the stock appears Undervalued by 14% .

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