COMERICA INC (CMA) Stock Fundamental Analysis
NYSE:CMA - New York Stock Exchange, Inc. - US2003401070 - Common Stock - Currency: USD
Overall CMA gets a fundamental rating of 3 out of 10. We evaluated CMA against 398 industry peers in the Banks industry. CMA has a bad profitability rating. Also its financial health evaluation is rather negative. CMA has a valuation in line with the averages, but on the other hand it scores bad on growth. CMA also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
CMA had positive earnings in the past year.
In the past year CMA had a positive cash flow from operations.
Each year in the past 5 years CMA has been profitable.
In the past 5 years CMA always reported a positive cash flow from operatings.
1.2 Ratios
CMA has a Return On Assets (0.85%) which is in line with its industry peers.
CMA has a Return On Equity of 10.26%. This is in the better half of the industry: CMA outperforms 69.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 10.26% | ||
| ROIC | N/A |
ROA(3y)1.05%
ROA(5y)0.98%
ROE(3y)15.08%
ROE(5y)13.13%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CMA has a worse Profit Margin (20.68%) than 60.30% of its industry peers.
In the last couple of years the Profit Margin of CMA has declined.
CMA 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) | 20.68% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-18.65%
PM growth 5Y-10.33%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CMA does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CMA has been reduced compared to 1 year ago.
CMA has less shares outstanding than it did 5 years ago.
CMA has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CMA is 6.02, which is on the high side as it means it would take CMA, 6.02 years of fcf income to pay off all of its debts.
CMA's Debt to FCF ratio of 6.02 is on the low side compared to the rest of the industry. CMA is outperformed by 72.86% of its industry peers.
CMA has a Debt/Equity ratio of 0.41. This is a healthy value indicating a solid balance between debt and equity.
CMA has a worse Debt to Equity ratio (0.41) than 75.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 6.02 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.48%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for CMA have decreased strongly by -17.73% in the last year.
CMA shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.99% yearly.
CMA shows a decrease in Revenue. In the last year, the revenue decreased by -2.86%.
The Revenue has been decreasing by -0.64% on average over the past years.
EPS 1Y (TTM)-17.73%
EPS 3Y-13.01%
EPS 5Y-6.99%
EPS Q2Q%-3.1%
Revenue 1Y (TTM)-2.86%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%5.74%
3.2 Future
The Earnings Per Share is expected to grow by 1.66% on average over the next years.
CMA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.67% yearly.
EPS Next Y-4.8%
EPS Next 2Y3.42%
EPS Next 3Y4.06%
EPS Next 5Y1.66%
Revenue Next Year3.6%
Revenue Next 2Y3.36%
Revenue Next 3Y3.09%
Revenue Next 5Y1.67%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
CMA is valuated reasonably with a Price/Earnings ratio of 10.23.
CMA's Price/Earnings ratio is a bit cheaper when compared to the industry. CMA is cheaper than 71.86% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.75. CMA is valued rather cheaply when compared to this.
CMA is valuated reasonably with a Price/Forward Earnings ratio of 9.49.
The rest of the industry has a similar Price/Forward Earnings ratio as CMA.
CMA is valuated cheaply when we compare the Price/Forward Earnings ratio to 20.49, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.23 | ||
| Fwd PE | 9.49 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, CMA is valued a bit more expensive than 66.33% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.27 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y3.42%
EPS Next 3Y4.06%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 5.27%, CMA is a good candidate for dividend investing.
CMA's Dividend Yield is rather good when compared to the industry average which is at 3.52. CMA pays more dividend than 88.69% of the companies in the same industry.
CMA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.27% |
5.2 History
The dividend of CMA has a limited annual growth rate of 2.70%.
CMA has been paying a dividend for at least 10 years, so it has a reliable track record.
CMA has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)2.7%
Div Incr Years1
Div Non Decr Years7
5.3 Sustainability
59.61% of the earnings are spent on dividend by CMA. This is a bit on the high side, but may be sustainable.
CMA's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP59.61%
EPS Next 2Y3.42%
EPS Next 3Y4.06%
NYSE:CMA (5/2/2025, 10:52:06 AM)
55.55
+1.09 (+2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners82.22%
Inst Owner Change0.31%
Ins Owners0.82%
Ins Owner Change5.07%
Market Cap7.29B
Analysts64.62
Price Target62.35 (12.24%)
Short Float %3.68%
Short Ratio2.2
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 5.27% |
Yearly Dividend3.04
Dividend Growth(5Y)2.7%
DP59.61%
Div Incr Years1
Div Non Decr Years7
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.15%
Min EPS beat(2)5.23%
Max EPS beat(2)13.07%
EPS beat(4)4
Avg EPS beat(4)13.95%
Min EPS beat(4)5.23%
Max EPS beat(4)23.68%
EPS beat(8)8
Avg EPS beat(8)10%
EPS beat(12)11
Avg EPS beat(12)7.13%
EPS beat(16)15
Avg EPS beat(16)13.89%
Revenue beat(2)0
Avg Revenue beat(2)-1.2%
Min Revenue beat(2)-1.34%
Max Revenue beat(2)-1.06%
Revenue beat(4)1
Avg Revenue beat(4)-1.46%
Min Revenue beat(4)-3.74%
Max Revenue beat(4)0.29%
Revenue beat(8)4
Avg Revenue beat(8)-1.24%
Revenue beat(12)7
Avg Revenue beat(12)-0.95%
Revenue beat(16)10
Avg Revenue beat(16)-0.48%
PT rev (1m)-11.98%
PT rev (3m)-14.14%
EPS NQ rev (1m)-2.32%
EPS NQ rev (3m)-6.63%
EPS NY rev (1m)-1.14%
EPS NY rev (3m)-6.01%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)-0.67%
Revenue NY rev (1m)-0.78%
Revenue NY rev (3m)-0.67%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.23 | ||
| Fwd PE | 9.49 | ||
| P/S | 2.25 | ||
| P/FCF | 16.27 | ||
| P/OCF | 12.13 | ||
| P/B | 1.11 | ||
| P/tB | 1.11 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.43
EY9.77%
EPS(NY)5.85
Fwd EY10.53%
FCF(TTM)3.41
FCFY6.15%
OCF(TTM)4.58
OCFY8.24%
SpS24.72
BVpS49.86
TBVpS49.86
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.85% | ||
| ROE | 10.26% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 20.68% | ||
| GM | N/A | ||
| FCFM | 13.81% |
ROA(3y)1.05%
ROA(5y)0.98%
ROE(3y)15.08%
ROE(5y)13.13%
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-18.65%
PM growth 5Y-10.33%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.41 | ||
| Debt/FCF | 6.02 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 159.38% | ||
| Cap/Sales | 4.72% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 66.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score4
WACC14.48%
ROIC/WACCN/A
Cap/Depr(3y)141.46%
Cap/Depr(5y)113.65%
Cap/Sales(3y)3.77%
Cap/Sales(5y)3.27%
Profit Quality(3y)81.63%
Profit Quality(5y)94.1%
High Growth Momentum
Growth
EPS 1Y (TTM)-17.73%
EPS 3Y-13.01%
EPS 5Y-6.99%
EPS Q2Q%-3.1%
EPS Next Y-4.8%
EPS Next 2Y3.42%
EPS Next 3Y4.06%
EPS Next 5Y1.66%
Revenue 1Y (TTM)-2.86%
Revenue growth 3Y3.02%
Revenue growth 5Y-0.64%
Sales Q2Q%5.74%
Revenue Next Year3.6%
Revenue Next 2Y3.36%
Revenue Next 3Y3.09%
Revenue Next 5Y1.67%
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-59.2%
FCF growth 3Y-7.39%
FCF growth 5Y-14.9%
OCF growth 1Y-51.96%
OCF growth 3Y-1.77%
OCF growth 5Y-11.23%