Cembra Money Bank AG

CMBNFOTCFinancial Services● Active

$126.00

+$0.00(+0.00%)

Market Cap$3.7B

P/E Ratio—

52W High$126

52W Low$91.31

Avg Volume3

Open$126.00

Beta0.17

Free Cash Flow Financials Revenue

Cembra Money Bank AG (CMBNF) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

CMBNF · free cash flow · updated Jun 9, 2026

Core FCF metrics

CMBNF · FCF · TTM · margin & CAGR

Free cash flow was $207.5M for FY2025 (fiscal year ending 2025-12-31), down 17.1% year-over-year The FCF margin was 32.7%. Five-year CAGR stands at -1.1%.

FY2025 Free Cash Flow$207.5M▼ -17.1% YoY

Trailing 12M (TTM)$457.8Mtrailing 4 quarters sum

FCF Margin32.7%$207.5M ÷ revenue

3-Year CAGR-3.6%FY2022 → FY2025

5-Year CAGR-1.1%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

CMBNF · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$219.5M(12M)$207.5M▼ 17.1%32.7%

FY2024$260.6M(10M)$250.3M▲ +39.4%45.5%

FY2023$188.5M(9M)$179.6M▼ 22.5%39.1%

FY2022$243.4M(12M)$231.6M▲ +40.7%45.5%

FY2021$174.6M(10M)$164.6M▼ 24.9%33.4%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

CMBNF · P/FCF · FCF yield · FCF per share

Cembra Money Bank AG (CMBNF) trades at a FCF yield of 7.45% and a price-to-free-cash-flow ratio of 8.3x. FCF per share stands at $15.26, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

7.45%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$15.26

TTM FCF ÷ Shares Outstanding

Price / FCF

x8.3

Share Price ÷ FCF per Share

EV / FCF (TTM)

x23.3

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

CMBNF · cash flow statement · operating / investing / financing

For FY2025, Cembra Money Bank AG generated $219.5M in operating cash flow and spent 12M in capital expenditures, yielding $207.5M in free cash flow.

Operating Activities

+$219.5M

Cash from core business operations

2025-12-31

Investing Activities

−$58.8M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$162.2M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($219.5M) − |CapEx| (12M) = FCF ($207.5M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

CMBNF vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Cembra Money Bank AGYOU

CMBNF

$207.5M-17.1%32.7%

Berkshire Hathaway Inc.

BRK-B

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Cembra Money Bank AG (CMBNF) reported free cash flow of $207.5M for FY2025 (fiscal year ending 2025-12-31), down 17.1% year-over-year. The FCF margin was 32.7%.

Based on available data, Cembra Money Bank AG has maintained positive free cash flow for at least 15 fiscal year(s). FCF peaked at $500.9M in FY2011. The 5-year CAGR stands at -1.1%.

Cembra Money Bank AG's FCF yield is 7.45% and price-to-FCF ratio is 8.3x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

CMBNF free cash flow · 8 questions

Cembra Money Bank AG free cash flow was $207.5M for FY2025, down 17.1% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $457.8M.

CMBNF free cash flowCMBNF FCFCMBNF FCF 2025CMBNF free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Cembra Money Bank AG · Cembra Money Bank AG SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026