CM-PR-P Fundamental Analysis - CANADIAN IMPERIAL BANK - CM 3.909 PERP

Fundamental Rating

Overall CM-PR-P gets a fundamental rating of 3 out of 10. We evaluated CM-PR-P against 24 industry peers in the Banks industry. CM-PR-P may be in some trouble as it scores bad on both profitability and health. 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.

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1. Profitability

1.1 Basic Checks

In the past year CM-PR-P was profitable.
In the past year CM-PR-P had a positive cash flow from operations.
In the past 5 years CM-PR-P has always been profitable.
Of the past 5 years CM-PR-P 4 years had a positive operating cash flow.

1.2 Ratios

The Return On Assets of CM-PR-P (0.66%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 11.67%, CM-PR-P is in line with its industry, outperforming 57.14% of the companies in the same industry.

		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

With a Profit Margin value of 26.76%, CM-PR-P perfoms like the industry average, outperforming 54.29% of the companies in the same industry.
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.
The number of shares outstanding for CM-PR-P has been increased compared to 1 year ago.
CM-PR-P has more shares outstanding than it did 5 years ago.
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.
Looking at the Debt to FCF ratio, with a value of 14.73, CM-PR-P is doing worse than 62.86% of the companies in the same industry.
CM-PR-P has a Debt/Equity ratio of 2.51. This is a high value indicating a heavy dependency on external 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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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.
Looking at the last year, CM-PR-P shows a quite strong growth in Revenue. The Revenue has grown by 9.76% in the last year.
CM-PR-P shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.59% yearly.

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.
The Revenue is expected to grow by 5.16% on average over the next years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 3.38, which indicates a rather cheap valuation of CM-PR-P.
CM-PR-P's Price/Earnings ratio is in line with the industry average.
CM-PR-P's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.
Based on the Price/Forward Earnings ratio of 3.11, the valuation of CM-PR-P can be described as very cheap.
The rest of the industry has a similar Price/Forward Earnings ratio as CM-PR-P.
CM-PR-P's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.29.

		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%

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5. Dividend

5.1 Amount

CM-PR-P has a Yearly Dividend Yield of 4.15%, which is a nice return.
Compared to an average industry Dividend Yield of 3.33, 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 1.85.

		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

43.01% of the earnings are spent on dividend by CM-PR-P. 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%

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CANADIAN IMPERIAL BANK - CM 3.909 PERP

TSX:CM-PR-P (1/31/2025, 7:00:00 PM)

+0.01 (+0.04%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)12-05 2024-12-05/bmo

Earnings (Next)02-27 2025-02-27/bmo

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.

Can you provide the valuation status for CANADIAN IMPERIAL BANK - CM 3.909 PERP?

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 valuation of CANADIAN IMPERIAL BANK - CM 3.909 PERP based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CANADIAN IMPERIAL BANK - CM 3.909 PERP (CM-PR-P.CA) is 3.38 and the Price/Book (PB) ratio is 0.4.

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.

CANADIAN IMPERIAL BANK - CM 3.909 PERP (CM-PR-P.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens

CANADIAN IMPERIAL BANK - CM 3.909 PERP / CM-PR-P.CA FAQ

What is the fundamental rating for CM-PR-P stock?

Can you provide the valuation status for CANADIAN IMPERIAL BANK - CM 3.909 PERP?

How profitable is CANADIAN IMPERIAL BANK - CM 3.909 PERP (CM-PR-P.CA) stock?

What is the valuation of CANADIAN IMPERIAL BANK - CM 3.909 PERP based on its PE and PB ratios?

What is the financial health of CANADIAN IMPERIAL BANK - CM 3.909 PERP (CM-PR-P.CA) stock?