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CANADIAN IMPERIAL BANK - CM 3.143 PERP (CM-PR-Q.CA) Stock Fundamental Analysis

TSX:CM-PR-Q - Toronto Stock Exchange - CA1360693909 - Currency: CAD

24.96  0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CM-PR-Q. CM-PR-Q was compared to 29 industry peers in the Banks industry. CM-PR-Q has a bad profitability rating. Also its financial health evaluation is rather negative. CM-PR-Q scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

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

With a Return On Assets value of 0.69%, CM-PR-Q perfoms like the industry average, outperforming 41.38% of the companies in the same industry.
With a decent Return On Equity value of 12.19%, CM-PR-Q is doing good in the industry, outperforming 62.07% of the companies in the same industry.
Industry RankSector Rank
ROA 0.69%
ROE 12.19%
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-Q.CA Yearly ROA, ROE, ROICCM-PR-Q.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

Looking at the Profit Margin, with a value of 27.32%, CM-PR-Q is in line with its industry, outperforming 58.62% of the companies in the same industry.
CM-PR-Q's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for CM-PR-Q so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.32%
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-Q.CA Yearly Profit, Operating, Gross MarginsCM-PR-Q.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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1

2. Health

2.1 Basic Checks

CM-PR-Q does not have a ROIC to compare to the WACC, probably because it is not profitable.
CM-PR-Q has more shares outstanding than it did 1 year ago.
CM-PR-Q has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CM-PR-Q is higher compared to a year ago.
CM-PR-Q.CA Yearly Shares OutstandingCM-PR-Q.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M
CM-PR-Q.CA Yearly Total Debt VS Total AssetsCM-PR-Q.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

CM-PR-Q has a debt to FCF ratio of 7.47. This is a slightly negative value and a sign of low solvency as CM-PR-Q would need 7.47 years to pay back of all of its debts.
With a decent Debt to FCF ratio value of 7.47, CM-PR-Q is doing good in the industry, outperforming 62.07% of the companies in the same industry.
A Debt/Equity ratio of 2.74 is on the high side and indicates that CM-PR-Q has dependencies on debt financing.
CM-PR-Q has a Debt to Equity ratio of 2.74. This is in the lower half of the industry: CM-PR-Q underperforms 79.31% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.74
Debt/FCF 7.47
Altman-Z N/A
ROIC/WACCN/A
WACC19.59%
CM-PR-Q.CA Yearly LT Debt VS Equity VS FCFCM-PR-Q.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-Q.CA Yearly Current Assets VS Current LiabilitesCM-PR-Q.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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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 21.65% over the past year.
CM-PR-Q shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 4.42% yearly.
CM-PR-Q shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.30%.
Measured over the past years, CM-PR-Q shows a small growth in Revenue. The Revenue has been growing by 6.59% on average per year.
EPS 1Y (TTM)21.65%
EPS 3Y0.75%
EPS 5Y4.42%
EPS Q2Q%17.14%
Revenue 1Y (TTM)14.3%
Revenue growth 3Y8.56%
Revenue growth 5Y6.59%
Sales Q2Q%13.92%

3.2 Future

Based on estimates for the next years, CM-PR-Q will show a small growth in Earnings Per Share. The EPS will grow by 7.75% on average per year.
Based on estimates for the next years, CM-PR-Q will show a small growth in Revenue. The Revenue will grow by 4.36% on average per year.
EPS Next Y11.92%
EPS Next 2Y9.33%
EPS Next 3Y7.75%
EPS Next 5YN/A
Revenue Next Year10.2%
Revenue Next 2Y6.9%
Revenue Next 3Y5.58%
Revenue Next 5Y4.36%

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 accelerating.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CM-PR-Q.CA Yearly Revenue VS EstimatesCM-PR-Q.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-Q.CA Yearly EPS VS EstimatesCM-PR-Q.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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7

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 3.09, the valuation of CM-PR-Q can be described as very cheap.
CM-PR-Q's Price/Earnings ratio is in line with the industry average.
The average S&P500 Price/Earnings ratio is at 27.41. CM-PR-Q is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 2.82, the valuation of CM-PR-Q can be described as very cheap.
CM-PR-Q's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. CM-PR-Q is cheaper than 62.07% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.19. CM-PR-Q is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 3.09
Fwd PE 2.82
CM-PR-Q.CA Price Earnings VS Forward Price EarningsCM-PR-Q.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, CM-PR-Q is valued cheaply inside the industry as 82.76% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 1.04
EV/EBITDA N/A
CM-PR-Q.CA Per share dataCM-PR-Q.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.26
PEG (5Y)0.7
EPS Next 2Y9.33%
EPS Next 3Y7.75%

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5

5. Dividend

5.1 Amount

CM-PR-Q has a Yearly Dividend Yield of 3.80%.
Compared to an average industry Dividend Yield of 4.64, CM-PR-Q is paying slightly less dividend.
CM-PR-Q's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
Industry RankSector Rank
Dividend Yield 3.8%

5.2 History

The dividend of CM-PR-Q has a limited annual growth rate of 3.04%.
CM-PR-Q has been paying a dividend for at least 10 years, so it has a reliable track record.
CM-PR-Q has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)3.04%
Div Incr Years0
Div Non Decr Years3
CM-PR-Q.CA Yearly Dividends per shareCM-PR-Q.CA Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

CM-PR-Q pays out 49.64% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of CM-PR-Q is growing, but earnings are growing more, so the dividend growth is sustainable.
DP49.64%
EPS Next 2Y9.33%
EPS Next 3Y7.75%
CM-PR-Q.CA Yearly Income VS Free CF VS DividendCM-PR-Q.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-Q.CA Dividend Payout.CM-PR-Q.CA Dividend Payout, showing the Payout Ratio.CM-PR-Q.CA Dividend Payout.PayoutRetained Earnings

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CANADIAN IMPERIAL BANK - CM 3.143 PERP

TSX:CM-PR-Q (7/11/2025, 7:00:00 PM)

24.96

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)05-29 2025-05-29/bmo
Earnings (Next)08-27 2025-08-27/bmo
Inst Owners54.56%
Inst Owner ChangeN/A
Ins Owners0.03%
Ins Owner ChangeN/A
Market Cap23.47B
Analysts75.83
Price Target27.41 (9.82%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.8%
Yearly Dividend3.15
Dividend Growth(5Y)3.04%
DP49.64%
Div Incr Years0
Div Non Decr Years3
Ex-Date06-27 2025-06-27 (0.196438)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.87%
Min EPS beat(2)5.12%
Max EPS beat(2)8.63%
EPS beat(4)4
Avg EPS beat(4)6.32%
Min EPS beat(4)3.88%
Max EPS beat(4)8.63%
EPS beat(8)6
Avg EPS beat(8)2.72%
EPS beat(12)8
Avg EPS beat(12)0.84%
EPS beat(16)10
Avg EPS beat(16)1.19%
Revenue beat(2)1
Avg Revenue beat(2)0.99%
Min Revenue beat(2)-1.14%
Max Revenue beat(2)3.13%
Revenue beat(4)2
Avg Revenue beat(4)0.98%
Min Revenue beat(4)-1.14%
Max Revenue beat(4)3.13%
Revenue beat(8)2
Avg Revenue beat(8)-0.49%
Revenue beat(12)3
Avg Revenue beat(12)-1.23%
Revenue beat(16)4
Avg Revenue beat(16)-1.04%
PT rev (1m)1.67%
PT rev (3m)-8.05%
EPS NQ rev (1m)0.56%
EPS NQ rev (3m)0.56%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.15%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)-0.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.09%
Valuation
Industry RankSector Rank
PE 3.09
Fwd PE 2.82
P/S 0.85
P/FCF 1.04
P/OCF 0.99
P/B 0.38
P/tB 0.44
EV/EBITDA N/A
EPS(TTM)8.09
EY32.41%
EPS(NY)8.85
Fwd EY35.44%
FCF(TTM)24.05
FCFY96.34%
OCF(TTM)25.23
OCFY101.06%
SpS29.28
BVpS65.59
TBVpS56.86
PEG (NY)0.26
PEG (5Y)0.7
Profitability
Industry RankSector Rank
ROA 0.69%
ROE 12.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.32%
GM N/A
FCFM 82.14%
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 Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.74
Debt/FCF 7.47
Debt/EBITDA N/A
Cap/Depr 94.37%
Cap/Sales 4.02%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 300.64%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC19.59%
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)21.65%
EPS 3Y0.75%
EPS 5Y4.42%
EPS Q2Q%17.14%
EPS Next Y11.92%
EPS Next 2Y9.33%
EPS Next 3Y7.75%
EPS Next 5YN/A
Revenue 1Y (TTM)14.3%
Revenue growth 3Y8.56%
Revenue growth 5Y6.59%
Sales Q2Q%13.92%
Revenue Next Year10.2%
Revenue Next 2Y6.9%
Revenue Next 3Y5.58%
Revenue Next 5Y4.36%
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 1Y1.81%
FCF growth 3YN/A
FCF growth 5Y-11.45%
OCF growth 1Y1.54%
OCF growth 3YN/A
OCF growth 5Y-9.86%