Commerzbank AG
Commerzbank AG Fundamental Analysis
Commerzbank AG (CRZBF) shows moderate financial fundamentals with a PE ratio of 13.91, profit margin of 12.81%, and ROE of 7.63%. The company generates $20.5B in annual revenue with weak year-over-year growth of -51.98%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -5.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CRZBF's fundamental strength across five key dimensions:
Efficiency Score
WeakCRZBF struggles to generate sufficient returns from assets.
Valuation Score
ModerateCRZBF shows balanced valuation metrics.
Growth Score
ModerateCRZBF shows steady but slowing expansion.
Financial Health Score
ExcellentCRZBF maintains a strong and stable balance sheet.
Profitability Score
WeakCRZBF struggles to sustain strong margins.
Key Financial Metrics
Is CRZBF Expensive or Cheap?
P/E Ratio
CRZBF trades at 13.91 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CRZBF's PEG of 3.28 indicates potential overvaluation.
Price to Book
The market values Commerzbank AG at 1.06 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 24.53 times EBITDA. This signals the market has high growth expectations.
How Well Does CRZBF Make Money?
Net Profit Margin
For every $100 in sales, Commerzbank AG keeps $12.81 as profit after all expenses.
Operating Margin
Core operations generate 19.27 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $7.63 in profit for every $100 of shareholder equity.
ROA
Commerzbank AG generates $0.44 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Commerzbank AG generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
Commerzbank AG generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
CRZBF converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
13.91
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
3.28
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.06
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.78
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.12
vs 25 benchmark
Current Ratio
Current assets to current liabilities
4.23
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.08
vs 25 benchmark
ROA
Return on assets percentage
0.004
vs 25 benchmark
ROCE
Return on capital employed
0.007
vs 25 benchmark
How CRZBF Stacks Against Its Sector Peers
| Metric | CRZBF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 13.91 | 18.73 | Better (Cheaper) |
| ROE | 7.63% | 847.00% | Weak |
| Net Margin | 12.81% | 2562.00% | Weak |
| Debt/Equity | 0.12 | 0.93 | Strong (Low Leverage) |
| Current Ratio | 4.23 | 674.76 | Strong Liquidity |
| ROA | 0.44% | -21692.00% (disorted) | Weak |
CRZBF outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Commerzbank AG's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
24.23%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
338.38%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-98.61%
Industry Style: Value, Dividend, Cyclical
Declining