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

TSX:CM-PR-P - Toronto Stock Exchange - CA1360694246 - Currency: CAD

25  +0.01 (+0.04%)

Fundamental Rating

3

CM-PR-P gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 29 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.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CM-PR-P had positive earnings in the past year.
CM-PR-P had a positive operating cash flow in the past year.
CM-PR-P had positive earnings in each of the past 5 years.
Of the past 5 years CM-PR-P 4 years had a positive operating cash flow.
CM-PR-P.CA Yearly Net Income VS EBIT VS OCF VS FCFCM-PR-P.CA 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 20B 40B 60B

1.2 Ratios

CM-PR-P has a Return On Assets of 0.66%. This is comparable to the rest of the industry: CM-PR-P outperforms 54.29% of its industry peers.
With a Return On Equity value of 11.67%, CM-PR-P perfoms like the industry average, outperforming 57.14% of the companies in the same industry.
Industry RankSector 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
CM-PR-P.CA Yearly ROA, ROE, ROICCM-PR-P.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

CM-PR-P's Profit Margin of 26.76% is in line compared to the rest of the industry. CM-PR-P outperforms 54.29% of 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 RankSector 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
CM-PR-P.CA Yearly Profit, Operating, Gross MarginsCM-PR-P.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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0

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.
CM-PR-P has more shares outstanding than it did 1 year ago.
CM-PR-P has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CM-PR-P is higher compared to a year ago.
CM-PR-P.CA Yearly Shares OutstandingCM-PR-P.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
CM-PR-P.CA Yearly Total Debt VS Total AssetsCM-PR-P.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200B 400B 600B 800B 1T

2.2 Solvency

The Debt to FCF ratio of CM-PR-P is 14.73, which is on the high side as it means it would take CM-PR-P, 14.73 years of fcf income to pay off all of its debts.
CM-PR-P has a worse Debt to FCF ratio (14.73) than 62.86% of its industry peers.
CM-PR-P has a Debt/Equity ratio of 2.51. This is a high value indicating a heavy dependency on external financing.
CM-PR-P has a Debt to Equity ratio of 2.51. This is in the lower half of the industry: CM-PR-P underperforms 62.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.51
Debt/FCF 14.73
Altman-Z N/A
ROIC/WACCN/A
WACC19.58%
CM-PR-P.CA Yearly LT Debt VS Equity VS FCFCM-PR-P.CA 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 40B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CM-PR-P.CA Yearly Current Assets VS Current LiabilitesCM-PR-P.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50B 100B 150B

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 9.96% over the past year.
The Earnings Per Share has been growing slightly by 4.42% on average over the past years.
CM-PR-P shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.76%.
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.
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.
CM-PR-P.CA Yearly Revenue VS EstimatesCM-PR-P.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 10B 20B 30B
CM-PR-P.CA Yearly EPS VS EstimatesCM-PR-P.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6 8

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 3.38 indicates a rather cheap valuation of CM-PR-P.
CM-PR-P's Price/Earnings ratio is in line with the industry average.
When comparing the Price/Earnings ratio of CM-PR-P to the average of the S&P500 Index (27.30), we can say CM-PR-P is valued rather cheaply.
With a 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.
CM-PR-P is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.76, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 3.38
Fwd PE 3.11
CM-PR-P.CA Price Earnings VS Forward Price EarningsCM-PR-P.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CM-PR-P's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 2.36
EV/EBITDA N/A
CM-PR-P.CA Per share dataCM-PR-P.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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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7

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 4.65, 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 2.35.
Industry RankSector 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
CM-PR-P.CA Yearly Dividends per shareCM-PR-P.CA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0.2 0.4 0.6 0.8 1

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.
CM-PR-P's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP43.01%
EPS Next 2Y8.63%
EPS Next 3Y4.29%
CM-PR-P.CA Yearly Income VS Free CF VS DividendCM-PR-P.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B 40B
CM-PR-P.CA Dividend Payout.CM-PR-P.CA Dividend Payout, showing the Payout Ratio.CM-PR-P.CA Dividend Payout.PayoutRetained Earnings

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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)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
Analysts77.39
Price Target26.7 (6.8%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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 RankSector 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
Profitability
Industry RankSector 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
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 3Y-5.12%
PM growth 5Y-0.02%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.02
Health
Industry RankSector 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%