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  7. Cembra Money Bank
Company logo

Cembra Money Bank | Sustainability Performance

https://www.cembra.ch

Offers consumer finance services, including personal loans, credit cards, and auto leasing, primarily in Switzerland.

1912

Switzerland

501 - 1,000 employees

Financial Services

$500M - 1B in revenue

$100M - 500M in profitability

Submit or report inaccurate dataDownload Company Insights

Sustainability Ranking & Industry Benchmark

#924
Overall
#41
in Switzerland
#54
in Financial Services

Sustainability Maturity

​​0123456789​​%

Sustainability Intent

Available in
Scale package

Access
​​0123456789​​%

Industry Rank

337 out of 609

Overview
Environmental
Carbon emissionsEnergy consumptionWater ManagementNature and biodiversityClimate risk
Social
Diversity and InclusionPay GapsExternalities
Governance
TargetsSDG ImpactESG scores and Exclusions
Financial Data
Business performanceCapital & innovationAnalyst projections

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EUROFIMA

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J. Safra Sarasin

Switzerland, Finance, Financial Services

CO2 scope 1 + 2

291.0 CO2e tonnes, 2023
Leading

Female employees

46% 2024
Aligned

Externalities

3.3M $, 2024
Leading

Market cap

2.8B $, 2026▲7.7% YoY

Revenue

655.0M $, 2024▼9.9% YoY

Carbon emissions

Reveal data for 1 credit

Industry rank: 26 out of 609


Total CO2 emissions
(CO2e tonnes)

Industry rank: 26 out of 609

Scope 1
Scope 2 location based
Scope 3 downstream
Scope 3 upstream
Industry benchmark
(adj. for revenues)
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Renewable electricity

Reveal data for 1 credit
%2023

Industry rank: Beyond Top 100


Total electricity consumption
and % renewables
(MWh, % of consumption)

Industry rank: Beyond Top 100

Total electricity

Share of renewable electricity

Industry benchmark

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Intensity


Greenhouse gas intensity (Scope 1, 2, 3)(tCO₂e /$M)
Water consumption intensity (m³ /$M)
Industry Benchmark

48.7

B/M 25.0

4.8

B/M 19.9


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Female employees

Reveal data for 1 credit

Share of female employees (%)

25
50
75
100
Company
Benchmark
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Controversy level


Very Low
Low
Noticeable
High
Severe
Download Controversy Analysis
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Carbon emissions breakdown

Reveal data for 2 credits

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20192020202120222023Benchmark
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Energy consumption breakdown

Reveal data for 2 credits

KPIMetricYear
20192020202120222023Benchmark
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Climate risk

OverallAcuteChronic
Reveal data for 20 credits
Unlock Acute & Chronic
29 assets assessed
ScenarioComing soon
44Moderate
$10.2Bestimated revenue at risk
Thematic risk scoresESRS aligned scoresComing soon
Download Climate Risk AnalysisPowered by illuminem and GIST impact

Biodiversity loss in km²

Reveal data for 2 credits

Biodiversity loss in terms of the equivalent land affected (km²e)

Total biodiversity loss (km²e)
Industry benchmark
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Biodiversity loss in CO2e

Reveal data for 2 credits

Total biodiversity loss as CO2e tonnes

Total biodiversity loss (CO2e tonnes)
Industry benchmark

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Potential species loss

Reveal data for 2 credits

Estimated nature species lost due to corporate activity, expressed as Potentially Disappeared Fraction (PDF)

One row per year, with the latest at the top. Each driver uses its own scale.

Low ImpactHigh Impact
Industry benchmark
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Biodiversity impact

Reveal data for 2 credits

KPIMetricYear
20202021202220232024Benchmark
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PDF: Potentially Disappeared Fraction (of species) due to corporate activities

Waste management

Reveal data for 2 credits

KPIMetricYear
20192020202120222023Benchmark
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Water management

Reveal data for 2 credits

KPIMetricYear
20192020202120222023Benchmark
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Land use

Reveal data for 2 credits

KPIMetricYear
InfinityInfinityInfinityInfinityInfinityBenchmark
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Diversity & inclusion

Reveal data for 3 credits

KPIMetricYear
20202021202220232024Benchmark
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Pay gap breakdown

Reveal data for 1 credit

KPIMetricYear
20202021202220232024Benchmark
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Externalities

Reveal data for 1 credit

KPIMetricYear
20202021202220232024Benchmark
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Market cap

2.8B $, 2026▲7.7% YoY

Revenue

655.0M $, FY2024▼9.9% YoY

EBITDA

0.0 $, FY2024▼9.1% YoY

Operating margin

NaN% Industry: -6▼NaN% YoY

P/E ratio

14.1 Industry: 37▼13.8% YoY

Revenue & EBITDA

$655.0MFY2024 revenue

Total Annual
Revenue & EBITDA
($ B)

Annual revenue
EBITDA
3 year change
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Margin trends


Margin as % of revenue

Gross margin
Operating margin
Net margin

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Free cashflow

250.3M 2024▼28.3% YoY

Capex

10.0M 2024▼20% YoY

Debt/equity ratio

2.3 Industry: 1▼NaN% YoY

Return on invested capital

4.0%FY2026

Return on invested capital (ROIC)
Industry benchmark

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Analyst revenue estimates & actuals


Analyst consensus vs actuals
($ B)

Actual revenue
Consensus estimates
Estimate only

0.5

▲ 6.0%

2022

0.6

▲ 14.6%

2023

0.7

▲ 19.4%

2024

0.6

2028

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Environmental policy coverage

Carbon reduction policy

Available

Human rights policy

Available

Recycling policy

Not available

Workplace health & safety policy

Available

43%
Independent Directors

6 out of 14 incl. management

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Overall score

58

Environment

34

Social

75

Governance

64

Exclusion screening

Adult content

Not available

Alcoholic

Not available

Animal testing

Not available

Firearms

Not available

Tobacco

Not available

Gambling

Not available

Nuclear

Not available

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SDG impact

Reveal data for 5 credits
2024

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SDG impact (historical)

Reveal data for 5 credits

KPIMetricYear
20192020202120222023Benchmark
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Reporting

sustainability report symbol

Sustainability Report

Available

image report
Available

Sustainability employees


Total sustainability employees

7-10



    Available in
    Scale package

    Access
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