SAN
Cembra Money Bank AG (XSWX: CMBN) posted strong net income growth driven by efficiency gains and improved...
Article Summary
BUY- Cembra Money Bank AG (XSWX: CMBN) posted strong net income growth driven by efficiency gains and improved cost-income ratios, with EPS rising 6% year-over-year to CHF3.15 and EPS of CHF92.3 million, supported by stable net interest margins, stable asset yields, and stable funding ratios.
- ADR maintained a strong capital position with a Tier 1 capital ratio of 17.7% and a liquidity coverage ratio of 446%, supported by a stable funding ratio of 112%.
- Guidance for full-year results was reaffirmed, and the acquisition of Santander's auto financing business in Switzerland is expected to be EPS accretive next year, with ROE improvement from 2028 onwards.
- However, the acquisition will be dilutive in 2026 due to day one expected credit loss recordings and integration costs, and cost of funds will slightly increase due to the maturity of older, favorably priced vintages and new debt raised for the acquisition.
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Growth Stock Scoring Breakdown
| METRIC | VALUE | WEIGHT | ANALYSIS |
|---|---|---|---|
| Sales Growth TTM ? | 16.8% | 25% | 60.0 ptsModerate (16.8%) - Decent growth |
| EPS Growth Next 5Y ? | 15.7% | 25% | 50.0 ptsMeets Minimum (15.7%) - Passes screener |
| Target Price Upside ? | 13.5% | 20% | 50.0 ptsMeets Minimum (13.5%) - Target: $14.97 vs Current: $13.19 |
| Gross Margin % ? | — | 15% | 40.0 ptsNo Gross Margin Data |
| Drawdown from 52-Wk High ? | -8.3% | 15% | 20.0 ptsBarely a Dip (-8.3%) - Near recent highs |
Disclaimer: This rating is for informational purposes only and is not financial advice.
All data sourced from Finviz.
Always conduct your own research and consult with a financial advisor before making investment decisions.
Past performance does not guarantee future results.
About SAN
- Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide.
- The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments.
- It offers demand and time deposits, mutual funds, and current and savings accounts; mortgages, consumer finance, loans, and various financing solutions; and project finance, debt capital markets, global transaction banking, and corporate finance services.
- The company also provides credit and debit cards, real estate loans, microfinance, and auto loans; corporate and investment banking services; advice on mergers and acquisitions; wealth, asset, and risk management services; and digital payments and technology solutions.
- In addition, it is involved in the securitization, leasing, management of portfolios, e-commerce, air transport, aircraft rental, software, consulting, fund and investment management, renewable energy, vehicle rental, insurance, advertising, marketing, telemarketing, automotive, agricultural, factoring, securities brokerage and investment, pension fund management, trade intermediary, venture capital fund, renting, restaurant, electricity production, IT, internet, and financial advisory and other activities; management, and other real estate activities; and purchase and sale of vehicles.
- Further, the company offers mobile and online banking services.
- Banco Santander, S.A. was formerly known as Banco Santander Central Hispano SA and changed its name to Banco Santander, S.A. in February 2007.
- The company was incorporated in 1856 and is headquartered in Madrid, Spain.