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COMMERZBANK AG (1CBK.MI) Stock Fundamental Analysis

BIT:1CBK - Euronext Milan - DE000CBK1001 - Common Stock - Currency: EUR

26.77  +0.12 (+0.45%)

Fundamental Rating

3

1CBK gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 94 industry peers in the Banks industry. 1CBK has a bad profitability rating. Also its financial health evaluation is rather negative. 1CBK is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year 1CBK was profitable.
In the past year 1CBK has reported a negative cash flow from operations.
Of the past 5 years 1CBK 4 years were profitable.
In multiple years 1CBK reported negative operating cash flow during the last 5 years.
1CBK.MI Yearly Net Income VS EBIT VS OCF VS FCF1CBK.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.44%, 1CBK is doing worse than 72.34% of the companies in the same industry.
1CBK has a worse Return On Equity (7.15%) than 64.89% of its industry peers.
Industry RankSector Rank
ROA 0.44%
ROE 7.15%
ROIC N/A
ROA(3y)0.37%
ROA(5y)0.12%
ROE(3y)5.88%
ROE(5y)1.6%
ROIC(3y)N/A
ROIC(5y)N/A
1CBK.MI Yearly ROA, ROE, ROIC1CBK.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 -10

1.3 Margins

With a Profit Margin value of 19.01%, 1CBK perfoms like the industry average, outperforming 41.49% of the companies in the same industry.
1CBK's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for 1CBK so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 19.01%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y87.93%
PM growth 5Y25.01%
GM growth 3YN/A
GM growth 5YN/A
1CBK.MI Yearly Profit, Operating, Gross Margins1CBK.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 -20

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1

2. Health

2.1 Basic Checks

1CBK does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1CBK has less shares outstanding
Compared to 5 years ago, 1CBK has less shares outstanding
The debt/assets ratio for 1CBK is higher compared to a year ago.
1CBK.MI Yearly Shares Outstanding1CBK.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
1CBK.MI Yearly Total Debt VS Total Assets1CBK.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B 500B

2.2 Solvency

1CBK has a Debt/Equity ratio of 1.59. This is a high value indicating a heavy dependency on external financing.
1CBK has a Debt to Equity ratio of 1.59. This is in the better half of the industry: 1CBK outperforms 64.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.59
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC13.63%
1CBK.MI Yearly LT Debt VS Equity VS FCF1CBK.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1CBK.MI Yearly Current Assets VS Current Liabilites1CBK.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 11.07% over the past year.
Measured over the past years, 1CBK shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.05% on average per year.
Looking at the last year, 1CBK shows a small growth in Revenue. The Revenue has grown by 3.72% in the last year.
The Revenue has been growing slightly by 6.65% on average over the past years.
EPS 1Y (TTM)11.07%
EPS 3Y103.28%
EPS 5Y28.05%
EPS Q2Q%10.43%
Revenue 1Y (TTM)3.72%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%4.61%

3.2 Future

The Earnings Per Share is expected to grow by 13.35% on average over the next years. This is quite good.
Based on estimates for the next years, 1CBK will show a small growth in Revenue. The Revenue will grow by 4.58% on average per year.
EPS Next Y6.3%
EPS Next 2Y17.71%
EPS Next 3Y18.63%
EPS Next 5Y13.35%
Revenue Next Year8.03%
Revenue Next 2Y7.51%
Revenue Next 3Y6.94%
Revenue Next 5Y4.58%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
1CBK.MI Yearly Revenue VS Estimates1CBK.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2B 4B 6B 8B 10B
1CBK.MI Yearly EPS VS Estimates1CBK.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 1 2 3

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.39, 1CBK is valued correctly.
Based on the Price/Earnings ratio, 1CBK is valued a bit more expensive than the industry average as 77.66% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.52, 1CBK is valued rather cheaply.
The Price/Forward Earnings ratio is 9.20, which indicates a very decent valuation of 1CBK.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1CBK is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.25. 1CBK is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 12.39
Fwd PE 9.2
1CBK.MI Price Earnings VS Forward Price Earnings1CBK.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1CBK.MI Per share data1CBK.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 10 -10 20

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates 1CBK does not grow enough to justify the current Price/Earnings ratio.
1CBK's earnings are expected to grow with 18.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.97
PEG (5Y)0.44
EPS Next 2Y17.71%
EPS Next 3Y18.63%

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5. Dividend

5.1 Amount

1CBK has a Yearly Dividend Yield of 2.53%. Purely for dividend investing, there may be better candidates out there.
With a Dividend Yield of 2.53, 1CBK pays less dividend than the industry average, which is at 5.01. 82.98% of the companies listed in the same industry pay a better dividend than 1CBK!
1CBK's Dividend Yield is comparable with the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 2.53%

5.2 History

The dividend of 1CBK is nicely growing with an annual growth rate of 11.38%!
Dividend Growth(5Y)11.38%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

16.84% of the earnings are spent on dividend by 1CBK. This is a low number and sustainable payout ratio.
1CBK's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP16.84%
EPS Next 2Y17.71%
EPS Next 3Y18.63%
1CBK.MI Yearly Income VS Free CF VS Dividend1CBK.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10B -10B 20B -20B 30B
1CBK.MI Dividend Payout.1CBK.MI Dividend Payout, showing the Payout Ratio.1CBK.MI Dividend Payout.PayoutRetained Earnings

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COMMERZBANK AG

BIT:1CBK (5/30/2025, 7:00:00 PM)

26.77

+0.12 (+0.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-09 2025-05-09/bmo
Earnings (Next)08-06 2025-08-06
Inst Owners44.67%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap31.71B
Analysts78.26
Price Target24.36 (-9%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.53%
Yearly Dividend0.34
Dividend Growth(5Y)11.38%
DP16.84%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)57.62%
Min EPS beat(2)32.01%
Max EPS beat(2)83.22%
EPS beat(4)3
Avg EPS beat(4)22.65%
Min EPS beat(4)-35.08%
Max EPS beat(4)83.22%
EPS beat(8)6
Avg EPS beat(8)19.12%
EPS beat(12)8
Avg EPS beat(12)16.16%
EPS beat(16)11
Avg EPS beat(16)55.67%
Revenue beat(2)2
Avg Revenue beat(2)1.84%
Min Revenue beat(2)1.03%
Max Revenue beat(2)2.64%
Revenue beat(4)3
Avg Revenue beat(4)0.95%
Min Revenue beat(4)-1.15%
Max Revenue beat(4)2.64%
Revenue beat(8)7
Avg Revenue beat(8)10.48%
Revenue beat(12)11
Avg Revenue beat(12)16.52%
Revenue beat(16)15
Avg Revenue beat(16)16.2%
PT rev (1m)1.53%
PT rev (3m)23.58%
EPS NQ rev (1m)-7.04%
EPS NQ rev (3m)10.09%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.86%
Revenue NQ rev (1m)-1.74%
Revenue NQ rev (3m)2.33%
Revenue NY rev (1m)1.85%
Revenue NY rev (3m)3.04%
Valuation
Industry RankSector Rank
PE 12.39
Fwd PE 9.2
P/S 2.45
P/FCF N/A
P/OCF N/A
P/B 0.92
P/tB 0.97
EV/EBITDA N/A
EPS(TTM)2.16
EY8.07%
EPS(NY)2.91
Fwd EY10.87%
FCF(TTM)-18.12
FCFYN/A
OCF(TTM)-17.15
OCFYN/A
SpS10.94
BVpS29.09
TBVpS27.59
PEG (NY)1.97
PEG (5Y)0.44
Profitability
Industry RankSector Rank
ROA 0.44%
ROE 7.15%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 19.01%
GM N/A
FCFM N/A
ROA(3y)0.37%
ROA(5y)0.12%
ROE(3y)5.88%
ROE(5y)1.6%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y87.93%
PM growth 5Y25.01%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.02
Health
Industry RankSector Rank
Debt/Equity 1.59
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 52.16%
Cap/Sales 8.84%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.63%
ROIC/WACCN/A
Cap/Depr(3y)98.87%
Cap/Depr(5y)65.9%
Cap/Sales(3y)7.2%
Cap/Sales(5y)8.01%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)11.07%
EPS 3Y103.28%
EPS 5Y28.05%
EPS Q2Q%10.43%
EPS Next Y6.3%
EPS Next 2Y17.71%
EPS Next 3Y18.63%
EPS Next 5Y13.35%
Revenue 1Y (TTM)3.72%
Revenue growth 3Y8.47%
Revenue growth 5Y6.65%
Sales Q2Q%4.61%
Revenue Next Year8.03%
Revenue Next 2Y7.51%
Revenue Next 3Y6.94%
Revenue Next 5Y4.58%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-211.29%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-200.16%
OCF growth 3YN/A
OCF growth 5YN/A