CANADIAN IMPERIAL BANK - CM 3.909 PERP (CM-PR-P.CA) Stock Fundamental Analysis
Canada - TSX:CM-PR-P - CA1360694246
25 CAD
+0.01 (+0.04%)
Taking everything into account, CM-PR-P scores 3 out of 10 in our fundamental rating. CM-PR-P was compared to 26 industry peers in the Banks industry. CM-PR-P has a bad profitability rating. Also its financial health evaluation is rather negative. CM-PR-P is not valued too expensively and it also shows a decent growth rate. Finally CM-PR-P also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
CM-PR-P had positive earnings in the past year.
In the past year CM-PR-P had a positive cash flow from operations.
Each year in the past 5 years CM-PR-P has been profitable.
CM-PR-P had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.66%, CM-PR-P is in line with its industry, outperforming 54.29% of the companies in the same industry.
CM-PR-P's Return On Equity of 11.67% is in line compared to the rest of the industry. CM-PR-P outperforms 57.14% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.66% | ||
| ROE | 11.67% | ||
| ROIC | N/A |
ROA(3y)0.59%
ROA(5y)0.6%
ROE(3y)10.88%
ROE(5y)11.06%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CM-PR-P has a Profit Margin (26.76%) which is in line with its industry peers.
CM-PR-P's Profit Margin has been stable in the last couple of years.
CM-PR-P does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.76% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.12%
PM growth 5Y-0.02%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CM-PR-P does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CM-PR-P has more shares outstanding
Compared to 5 years ago, CM-PR-P has more shares outstanding
CM-PR-P has a worse debt/assets ratio than last year.
2.2 Solvency
CM-PR-P has a debt to FCF ratio of 14.73. This is a negative value and a sign of low solvency as CM-PR-P would need 14.73 years to pay back of all of its debts.
CM-PR-P has a Debt to FCF ratio of 14.73. This is in the lower half of the industry: CM-PR-P underperforms 62.86% of its industry peers.
A Debt/Equity ratio of 2.51 is on the high side and indicates that CM-PR-P has dependencies on debt financing.
The Debt to Equity ratio of CM-PR-P (2.51) is worse than 62.86% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.51 | ||
| Debt/FCF | 14.73 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC19.58%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CM-PR-P shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 9.96%, which is quite good.
CM-PR-P shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.42% yearly.
The Revenue has grown by 9.76% in the past year. This is quite good.
The Revenue has been growing slightly by 6.59% on average over the past years.
EPS 1Y (TTM)9.96%
EPS 3Y0.75%
EPS 5Y4.42%
EPS Q2Q%21.66%
Revenue 1Y (TTM)9.76%
Revenue growth 3Y8.56%
Revenue growth 5Y6.59%
Sales Q2Q%13.23%
3.2 Future
CM-PR-P is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.29% yearly.
CM-PR-P is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.16% yearly.
EPS Next Y8.71%
EPS Next 2Y8.63%
EPS Next 3Y4.29%
EPS Next 5YN/A
Revenue Next Year7.15%
Revenue Next 2Y6.26%
Revenue Next 3Y4.89%
Revenue Next 5Y5.16%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 3.38, the valuation of CM-PR-P can be described as very cheap.
CM-PR-P's Price/Earnings is on the same level as the industry average.
The average S&P500 Price/Earnings ratio is at 26.83. CM-PR-P is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 3.11, the valuation of CM-PR-P can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CM-PR-P is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.88. CM-PR-P is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.38 | ||
| Fwd PE | 3.11 |
4.2 Price Multiples
The rest of the industry has a similar Price/Free Cash Flow ratio as CM-PR-P.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.36 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CM-PR-P's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.39
PEG (5Y)0.76
EPS Next 2Y8.63%
EPS Next 3Y4.29%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.15%, CM-PR-P is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.60, CM-PR-P has a dividend in line with its industry peers.
CM-PR-P's Dividend Yield is rather good when compared to the S&P500 average which is at 2.30.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.15% |
5.2 History
The dividend of CM-PR-P has a limited annual growth rate of 3.04%.
CM-PR-P has been paying a dividend for at least 10 years, so it has a reliable track record.
CM-PR-P has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.04%
Div Incr Years0
Div Non Decr Years4
5.3 Sustainability
CM-PR-P pays out 43.01% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of CM-PR-P is growing, but earnings are growing more, so the dividend growth is sustainable.
DP43.01%
EPS Next 2Y8.63%
EPS Next 3Y4.29%
CANADIAN IMPERIAL BANK - CM 3.909 PERP
TSX:CM-PR-P (1/31/2025, 7:00:00 PM)
25
+0.01 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.32%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap23.61B
Revenue(TTM)25.61B
Net Income(TTM)6.85B
Analysts77.39
Price Target26.7 (6.8%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.15% |
Yearly Dividend3.15
Dividend Growth(5Y)3.04%
DP43.01%
Div Incr Years0
Div Non Decr Years4
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.77%
Min EPS beat(2)3.88%
Max EPS beat(2)7.65%
EPS beat(4)4
Avg EPS beat(4)5.13%
Min EPS beat(4)3%
Max EPS beat(4)7.65%
EPS beat(8)6
Avg EPS beat(8)2.49%
EPS beat(12)7
Avg EPS beat(12)0.06%
EPS beat(16)10
Avg EPS beat(16)2.81%
Revenue beat(2)1
Avg Revenue beat(2)0.96%
Min Revenue beat(2)-0.57%
Max Revenue beat(2)2.5%
Revenue beat(4)1
Avg Revenue beat(4)0.01%
Min Revenue beat(4)-1.85%
Max Revenue beat(4)2.5%
Revenue beat(8)2
Avg Revenue beat(8)-0.93%
Revenue beat(12)3
Avg Revenue beat(12)-1.27%
Revenue beat(16)5
Avg Revenue beat(16)-1.05%
PT rev (1m)2.39%
PT rev (3m)16%
EPS NQ rev (1m)3.11%
EPS NQ rev (3m)10.98%
EPS NY rev (1m)3.57%
EPS NY rev (3m)3.83%
Revenue NQ rev (1m)1.73%
Revenue NQ rev (3m)6.29%
Revenue NY rev (1m)0.31%
Revenue NY rev (3m)3.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.38 | ||
| Fwd PE | 3.11 | ||
| P/S | 0.92 | ||
| P/FCF | 2.36 | ||
| P/OCF | 2.13 | ||
| P/B | 0.4 | ||
| P/tB | 0.47 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.4
EY29.6%
EPS(NY)8.04
Fwd EY32.18%
FCF(TTM)10.59
FCFY42.34%
OCF(TTM)11.74
OCFY46.95%
SpS27.11
BVpS62.18
TBVpS53.42
PEG (NY)0.39
PEG (5Y)0.76
Graham NumberN/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.66% | ||
| ROE | 11.67% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.76% | ||
| GM | N/A | ||
| FCFM | 39.05% |
ROA(3y)0.59%
ROA(5y)0.6%
ROE(3y)10.88%
ROE(5y)11.06%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.12%
PM growth 5Y-0.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.51 | ||
| Debt/FCF | 14.73 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 93.08% | ||
| Cap/Sales | 4.25% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 145.93% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC19.58%
ROIC/WACCN/A
Cap/Depr(3y)95.9%
Cap/Depr(5y)79.86%
Cap/Sales(3y)4.56%
Cap/Sales(5y)3.9%
Profit Quality(3y)246.24%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.96%
EPS 3Y0.75%
EPS 5Y4.42%
EPS Q2Q%21.66%
EPS Next Y8.71%
EPS Next 2Y8.63%
EPS Next 3Y4.29%
EPS Next 5YN/A
Revenue 1Y (TTM)9.76%
Revenue growth 3Y8.56%
Revenue growth 5Y6.59%
Sales Q2Q%13.23%
Revenue Next Year7.15%
Revenue Next 2Y6.26%
Revenue Next 3Y4.89%
Revenue Next 5Y5.16%
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-10.24%
FCF growth 3YN/A
FCF growth 5Y-11.45%
OCF growth 1Y-8.77%
OCF growth 3YN/A
OCF growth 5Y-9.86%
CANADIAN IMPERIAL BANK - CM 3.909 PERP / CM-PR-P.CA FAQ
What is the fundamental rating for CM-PR-P stock?
ChartMill assigns a fundamental rating of 3 / 10 to CM-PR-P.CA.
What is the valuation status for CM-PR-P stock?
ChartMill assigns a valuation rating of 5 / 10 to CANADIAN IMPERIAL BANK - CM 3.909 PERP (CM-PR-P.CA). This can be considered as Fairly Valued.
How profitable is CANADIAN IMPERIAL BANK - CM 3.909 PERP (CM-PR-P.CA) stock?
CANADIAN IMPERIAL BANK - CM 3.909 PERP (CM-PR-P.CA) has a profitability rating of 3 / 10.
What is the financial health of CANADIAN IMPERIAL BANK - CM 3.909 PERP (CM-PR-P.CA) stock?
The financial health rating of CANADIAN IMPERIAL BANK - CM 3.909 PERP (CM-PR-P.CA) is 0 / 10.
Can you provide the dividend sustainability for CM-PR-P stock?
The dividend rating of CANADIAN IMPERIAL BANK - CM 3.909 PERP (CM-PR-P.CA) is 6 / 10 and the dividend payout ratio is 43.01%.