Santander Consumer Bank offers online credit solutions including personal loans and car financing options. The bank provides financial services based on the ability to assess clients' creditworthiness.

Santander Consumer Bank

ING Bank Australia is a financial institution that offers various banking services including personal and business savings accounts, credit cards, personal loans, home loans, and insurance products. self-described.

ING Bank Australia

Cembra Money Bank AG provides consumer finance products and services in Switzerland. The company offers savings products, including medium-term notes and deposit accounts; loans comprising cash, consumer, personal, business, and auto loans; credit card receivables; and leasing services for new and used vehicles, including cars, light commercial vehicles, motorcycles, and caravans, as well as corporate leasing services. It also provides financial protection products in case of involuntary unemployment, accident, illness, or disability; travel and flight, and card protection insurance products; investment products; and credit cards, mobile payment, and e-services. In addition, the company offers financing solutions to small businesses under the Cembra Business brand, as well as invoice financing services. The company serves private and self-employed individuals, and small and medium enterprises. It operates through a network of branches, as well as through various sales channels, such as the internet, credit card partners, independent intermediaries, and approximately 4,000 car dealers. The company was formerly known as GE Money Bank Aktiengesellschaft and changed its name to Cembra Money Bank AG in October 2013. Cembra Money Bank AG was founded in 1912 and is headquartered in Zurich, Switzerland.

Cembra Money Bank AG

Ayd BioPharma is a life sciences consultancy providing project-specific and ad hoc consulting services to assist companies in navigating regulatory, clinical, and operational challenges during product development. self-described.

Metric
Company Name	Santander Consumer Bank	ING Bank Australia	Cembra Money Bank AG	Ayd BioPharma Consulting Group
Symbol			CMBN
MSH ID	PL:SANTANDERCONSUMER	AU:COM:ING	CH:CEMBRA	COM:AYDBIOPHARMA
Market	PRIVATE	PRIVATE	STOCKS	PRIVATE
Sector	Financial Services & Finance	Financial Services & Finance		Commercial & Professional Services
Industry	Banking	Banking		Consulting
Country	PL	AU	CH	US
Stage
Employee Count			950
Website	santanderconsumer.pl	ing.com.au	cembra.ch	aydbiopharma.com
LinkedIn
Founders

Metric
Market Cap			2.26B
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue			673.24M
Revenue (LTM)
Revenue (NTM)
Gross Profit			673.24M
EBITDA			31.23M
Operating Income			-113.99K
Net Income			180.11M
EPS			6.14
Diluted EPS			6.13
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin			1.16
Operating Profit Margin			0.37
EBITDA Margin			0.05
Net Profit Margin			0.30
Return on Equity			0.13
Return on Assets			0.02
Return on Capital Employed			0.03

PL:SANTANDERCONSUMER

Santander Consumer Bank

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio			11.67
P/B Ratio			1.55
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio			4.35
EV Multiple			21.42

Metric
Days Sales Outstanding			8.43
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover			0.08

Metric
Operating Cash Flow			62.70M
Free Cash Flow			62.70M
Cash Flow to Debt			0.11
Operating Cash Flow/Sales			0.62
Free Cash Flow Yield			0.12

Metric
Cash & Equivalents			-1.05B
Accounts Receivable
Inventory
Goodwill			216.59M
Debt to Capitalization			0.71
Debt to Assets			0.34
Current Ratio
Quick Ratio			3.90

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue
SG&A to Revenue			0.14