Commerzbank AG Logo

Commerzbank AG

CRZBY

(2.0)
Stock Price

15,93 USD

0.42% ROA

7.76% ROE

8.41x PER

Market Cap.

19.878.406.014,33 USD

10.68% DER

1.53% Yield

13.16% NPM

Commerzbank AG Stock Analysis

Commerzbank AG Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Commerzbank AG Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.44x) suggests it's undervalued, making it an attractive opportunity for investors.

2 ROE

The stock's ROE falls within an average range (5.45%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

3 ROA

The stock's ROA (0.33%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

4 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

5 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

6 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

7 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

8 DER

The stock is burdened with a heavy load of debt (155%), making it financially unstable and potentially risky for investors.

9 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

10 Dividend

The company has not distributed any dividends in the past three years, which may raise concerns for investors looking for regular income from their investments.

11 Buffet Intrinsic Value

The company's stock appears overvalued (7) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

Commerzbank AG Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Commerzbank AG Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Commerzbank AG Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Commerzbank AG Revenue
Year Revenue Growth
1999 6.587.000.000
2000 7.269.000.000 9.38%
2001 7.327.000.000 0.79%
2002 36.522.000.000 79.94%
2003 24.096.000.000 -51.57%
2004 4.405.000.000 -447.01%
2005 5.587.000.000 21.16%
2006 8.823.000.000 36.68%
2007 7.895.000.000 -11.75%
2008 6.734.000.000 -17.24%
2009 10.702.000.000 37.08%
2010 12.802.000.000 16.4%
2011 9.053.000.000 -41.41%
2012 10.323.000.000 12.3%
2013 9.580.000.000 -7.76%
2014 9.593.000.000 0.14%
2015 9.804.000.000 2.15%
2016 8.873.000.000 -10.49%
2017 8.916.000.000 0.48%
2018 8.623.000.000 -3.4%
2019 8.848.000.000 2.54%
2020 8.772.000.000 -0.87%
2021 9.654.000.000 9.14%
2022 10.390.000.000 7.08%
2023 8.364.000.000 -24.22%
2023 11.754.000.000 28.84%
2024 26.084.000.000 54.94%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Commerzbank AG Research and Development Expenses
Year Research and Development Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Commerzbank AG General and Administrative Expenses
Year General and Administrative Expenses Growth
1999 0
2000 0 0%
2001 0 0%
2002 0 0%
2003 0 0%
2004 0 0%
2005 565.000.000 100%
2006 573.000.000 1.4%
2007 611.000.000 6.22%
2008 681.000.000 10.28%
2009 1.426.000.000 52.24%
2010 2.290.000.000 37.73%
2011 1.862.000.000 -22.99%
2012 1.292.000.000 -44.12%
2013 1.255.000.000 -2.95%
2014 1.347.000.000 6.83%
2015 1.394.000.000 3.37%
2016 1.443.000.000 3.4%
2017 1.492.000.000 3.28%
2018 1.354.000.000 -10.19%
2019 1.170.000.000 -15.73%
2020 1.207.000.000 3.07%
2021 1.208.000.000 0.08%
2022 1.086.000.000 -11.23%
2023 0 0%
2023 1.111.000.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Commerzbank AG EBITDA
Year EBITDA Growth
1999 12.458.000.000
2000 15.814.000.000 21.22%
2001 19.206.000.000 17.66%
2002 -15.065.000.000 227.49%
2003 -11.469.000.000 -31.35%
2004 10.025.000.000 214.4%
2005 12.323.000.000 18.65%
2006 17.444.000.000 29.36%
2007 20.903.000.000 16.55%
2008 16.487.000.000 -26.78%
2009 9.034.000.000 -82.5%
2010 13.205.000.000 31.59%
2011 11.383.000.000 -16.01%
2012 10.107.000.000 -12.62%
2013 8.285.000.000 -21.99%
2014 7.668.000.000 -8.05%
2015 7.865.000.000 2.5%
2016 5.800.000.000 -35.6%
2017 5.241.000.000 -10.67%
2018 5.717.000.000 8.33%
2019 2.016.000.000 -183.58%
2020 -1.667.000.000 220.94%
2021 1.057.000.000 257.71%
2022 6.730.000.000 84.29%
2023 4.356.000.000 -54.5%
2023 10.000.000 -43460%
2024 -956.000.000 101.05%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Commerzbank AG Gross Profit
Year Gross Profit Growth
1999 6.587.000.000
2000 7.269.000.000 9.38%
2001 7.327.000.000 0.79%
2002 36.522.000.000 79.94%
2003 24.096.000.000 -51.57%
2004 4.405.000.000 -447.01%
2005 5.587.000.000 21.16%
2006 8.823.000.000 36.68%
2007 7.895.000.000 -11.75%
2008 6.734.000.000 -17.24%
2009 10.702.000.000 37.08%
2010 12.802.000.000 16.4%
2011 9.053.000.000 -41.41%
2012 10.323.000.000 12.3%
2013 9.580.000.000 -7.76%
2014 9.593.000.000 0.14%
2015 9.804.000.000 2.15%
2016 8.873.000.000 -10.49%
2017 8.916.000.000 0.48%
2018 8.623.000.000 -3.4%
2019 8.848.000.000 2.54%
2020 8.772.000.000 -0.87%
2021 9.654.000.000 9.14%
2022 10.390.000.000 7.08%
2023 8.364.000.000 -24.22%
2023 11.754.000.000 28.84%
2024 26.084.000.000 54.94%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Commerzbank AG Net Profit
Year Net Profit Growth
1999 911.000.000
2000 1.342.000.000 32.12%
2001 102.000.000 -1215.69%
2002 -269.000.000 137.92%
2003 -2.229.000.000 87.93%
2004 362.000.000 715.75%
2005 1.081.000.000 66.51%
2006 1.407.000.000 23.17%
2007 1.909.000.000 26.3%
2008 3.000.000 -63533.33%
2009 -4.537.000.000 100.07%
2010 1.371.000.000 430.93%
2011 638.000.000 -114.89%
2012 6.000.000 -10533.33%
2013 81.000.000 92.59%
2014 266.000.000 69.55%
2015 1.084.000.000 75.46%
2016 279.000.000 -288.53%
2017 128.000.000 -117.97%
2018 862.000.000 85.15%
2019 585.000.000 -47.35%
2020 -2.890.000.000 120.24%
2021 430.000.000 772.09%
2022 1.435.000.000 70.03%
2023 2.736.000.000 47.55%
2023 2.224.000.000 -23.02%
2024 2.152.000.000 -3.35%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Commerzbank AG Earning per Share (EPS)
Year Earning per Share (EPS) Growth
1999 15
2000 21 30%
2001 2 -1900%
2002 -4 125%
2003 -33 87.5%
2004 5 900%
2005 16 73.33%
2006 20 21.05%
2007 23 17.39%
2008 0 0%
2009 -35 100%
2010 10 488.89%
2011 2 -800%
2012 0 0%
2013 0 0%
2014 0 0%
2015 1 0%
2016 0 0%
2017 0 0%
2018 1 0%
2019 0 0%
2020 -2 100%
2021 0 0%
2022 1 0%
2023 0 0%
2023 2 100%
2024 2 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Commerzbank AG Free Cashflow
Year Free Cashflow Growth
1999 14.561.000.000
2000 10.524.000.000 -38.36%
2001 26.917.000.000 60.9%
2002 -18.269.000.000 247.34%
2003 2.360.000.000 874.11%
2004 3.788.000.000 37.7%
2005 16.338.000.000 76.81%
2006 35.429.000.000 53.89%
2007 -2.949.000.000 1301.39%
2008 -10.835.000.000 72.78%
2009 -11.503.000.000 5.81%
2010 -14.658.000.000 21.52%
2011 -15.077.000.000 2.78%
2012 5.040.000.000 399.15%
2013 -9.970.000.000 150.55%
2014 1.926.000.000 617.65%
2015 14.469.000.000 86.69%
2016 -6.090.000.000 337.59%
2017 19.523.000.000 131.19%
2018 -2.287.000.000 953.65%
2019 -11.486.000.000 80.09%
2020 32.778.000.000 135.04%
2021 -25.234.000.000 229.9%
2022 25.184.000.000 200.2%
2023 19.089.000.000 -31.93%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Commerzbank AG Operating Cashflow
Year Operating Cashflow Growth
1999 15.441.000.000
2000 13.178.000.000 -17.17%
2001 28.473.000.000 53.72%
2002 -17.531.000.000 262.42%
2003 2.677.000.000 754.87%
2004 4.293.000.000 37.64%
2005 16.767.000.000 74.4%
2006 36.641.000.000 54.24%
2007 -2.674.000.000 1470.27%
2008 -10.211.000.000 73.81%
2009 -7.077.000.000 -44.28%
2010 -14.166.000.000 50.04%
2011 -14.781.000.000 4.16%
2012 5.497.000.000 368.89%
2013 -8.442.000.000 165.11%
2014 2.661.000.000 417.25%
2015 14.721.000.000 81.92%
2016 -5.728.000.000 357%
2017 20.431.000.000 128.04%
2018 -1.698.000.000 1303.24%
2019 -10.787.000.000 84.26%
2020 33.676.000.000 132.03%
2021 -24.261.000.000 238.81%
2022 25.859.000.000 193.82%
2023 20.087.000.000 -28.74%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Commerzbank AG Capital Expenditure
Year Capital Expenditure Growth
1999 880.000.000
2000 2.654.000.000 66.84%
2001 1.556.000.000 -70.57%
2002 738.000.000 -110.84%
2003 317.000.000 -132.81%
2004 505.000.000 37.23%
2005 429.000.000 -17.72%
2006 1.212.000.000 64.6%
2007 275.000.000 -340.73%
2008 624.000.000 55.93%
2009 4.426.000.000 85.9%
2010 492.000.000 -799.59%
2011 296.000.000 -66.22%
2012 457.000.000 35.23%
2013 1.528.000.000 70.09%
2014 735.000.000 -107.89%
2015 252.000.000 -191.67%
2016 362.000.000 30.39%
2017 908.000.000 60.13%
2018 589.000.000 -54.16%
2019 699.000.000 15.74%
2020 898.000.000 22.16%
2021 973.000.000 7.71%
2022 675.000.000 -44.15%
2023 998.000.000 32.36%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Commerzbank AG Equity
Year Equity Growth
1999 11.826.000.000
2000 13.756.000.000 14.03%
2001 13.104.000.000 -4.98%
2002 8.808.000.000 -48.77%
2003 9.091.000.000 3.11%
2004 9.801.000.000 7.24%
2005 12.703.000.000 22.84%
2006 15.311.000.000 17.03%
2007 16.132.000.000 5.09%
2008 19.904.000.000 18.95%
2009 26.576.000.000 25.11%
2010 28.658.000.000 7.26%
2011 24.803.000.000 -15.54%
2012 27.034.000.000 8.25%
2013 26.936.000.000 -0.36%
2014 26.960.000.000 0.09%
2015 30.407.000.000 11.34%
2016 29.640.000.000 -2.59%
2017 30.040.000.000 1.33%
2018 29.411.000.000 -2.14%
2019 30.667.000.000 4.1%
2020 28.600.000.000 -7.23%
2021 29.826.000.000 4.11%
2022 30.904.000.000 3.49%
2023 32.681.000.000 5.44%
2023 33.008.000.000 0.99%
2024 30.279.000.000 -9.01%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Commerzbank AG Assets
Year Assets Growth
1999 372.040.000.000
2000 459.662.000.000 19.06%
2001 501.312.000.000 8.31%
2002 420.872.000.000 -19.11%
2003 380.372.000.000 -10.65%
2004 423.610.000.000 10.21%
2005 443.914.000.000 4.57%
2006 608.339.000.000 27.03%
2007 616.474.000.000 1.32%
2008 625.196.000.000 1.4%
2009 844.103.000.000 25.93%
2010 754.299.000.000 -11.91%
2011 661.763.000.000 -13.98%
2012 635.878.000.000 -4.07%
2013 549.661.000.000 -15.69%
2014 557.609.000.000 1.43%
2015 532.641.000.000 -4.69%
2016 480.450.000.000 -10.86%
2017 452.493.000.000 -6.18%
2018 462.369.000.000 2.14%
2019 463.636.000.000 0.27%
2020 506.916.000.000 8.54%
2021 473.044.000.000 -7.16%
2022 477.438.000.000 0.92%
2023 509.885.000.000 6.36%
2023 517.166.000.000 1.41%
2024 560.087.000.000 7.66%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Commerzbank AG Liabilities
Year Liabilities Growth
1999 0
2000 0 0%
2001 2.098.000.000 100%
2002 412.064.000.000 99.49%
2003 371.281.000.000 -10.98%
2004 413.809.000.000 10.28%
2005 431.211.000.000 4.04%
2006 593.028.000.000 27.29%
2007 600.342.000.000 1.22%
2008 605.292.000.000 0.82%
2009 817.527.000.000 25.96%
2010 725.641.000.000 -12.66%
2011 636.960.000.000 -13.92%
2012 608.844.000.000 -4.62%
2013 522.725.000.000 -16.48%
2014 530.649.000.000 1.49%
2015 502.234.000.000 -5.66%
2016 450.810.000.000 -11.41%
2017 422.453.000.000 -6.71%
2018 432.958.000.000 2.43%
2019 45.276.000.000 -856.26%
2020 46.123.000.000 1.84%
2021 43.845.000.000 -5.2%
2022 43.765.000.000 -0.18%
2023 0 0%
2023 48.254.000.000 100%
2024 529.808.000.000 90.89%

Commerzbank AG Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
15.16
Net Income per Share
2
Price to Earning Ratio
8.41x
Price To Sales Ratio
1.11x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.68
EV to Sales
-4.51
EV Over EBITDA
-94.3
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.12
FreeCashFlow Yield
0
Market Cap
19,88 Bil.
Enterprise Value
-81,10 Bil.
Graham Number
33.24
Graham NetNet
-403.22

Income Statement Metrics

Net Income per Share
2
Income Quality
0
ROE
0.08
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.66
EBT Per Ebit
1.83
Ebit per Revenue
0.11
Effective Tax Rate
0.33

Margins

Sales, General, & Administrative to Revenue
0.08
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.81
Operating Profit Margin
0.11
Pretax Profit Margin
0.2
Net Profit Margin
0.13

Dividends

Dividend Yield
0.02
Dividend Yield %
1.53
Payout Ratio
0
Dividend Per Share
0.26

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.04
Return on Tangible Assets
0
Days Sales Outstanding
6.01
Days Payables Outstanding
0
Days of Inventory on Hand
-11266
Receivables Turnover
60.69
Payables Turnover
0
Inventory Turnover
-0.03
Capex per Share
0

Balance Sheet

Cash per Share
87,87
Book Value per Share
25,56
Tangible Book Value per Share
24.14
Shareholders Equity per Share
24.61
Interest Debt per Share
13.03
Debt to Equity
0.11
Debt to Assets
0.01
Net Debt to EBITDA
-117.42
Current Ratio
7.44
Tangible Asset Value
28,59 Bil.
Net Current Asset Value
-395,56 Bil.
Invested Capital
120165000000
Working Capital
116,20 Bil.
Intangibles to Total Assets
0
Average Receivables
0,15 Bil.
Average Payables
0,00 Bil.
Average Inventory
-52194000000
Debt to Market Cap
0.16

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Commerzbank AG Dividends
Year Dividends Growth
2002 0
2003 0 0%
2005 0 0%
2006 1 0%
2007 1 100%
2008 2 50%
2011 2 0%
2013 5 50%
2016 0 0%
2019 0 0%
2023 0 0%
2024 0 0%

Commerzbank AG Profile

About Commerzbank AG

Commerzbank AG provides banking and capital market services to private and small business customers, multinational groups, financial service providers, and institutional clients worldwide. It operates through two segments, Private and Small-Business Customers, and Corporate Clients. The company offers accounts, commercial payments, payment enabling, clearing and custody, and other services; trade services, including documentary collection, letters of credit, guarantees, trade facilitation, supply chain financing, buyer's credit, and forfaiting services; and bilateral loans, club deals, Schuldschein instruments, syndicated loans, bonds, private placements, other debt instruments, and Islamic financing services. It also provides money market, and commodities and precious metals products; interest, currency, and liquidity management services, as well as wealth management services. The company operates approximately 790 branches. Commerzbank AG was founded in 1870 and is headquartered in Frankfurt am Main, Germany.

CEO
Dr. Manfred Knof
Employee
38.708
Address
Kaiserplatz
Frankfurt am Main, 60311

Commerzbank AG Executives & BODs

Commerzbank AG Executives & BODs
# Name Age
1 Ms. Sabine Mlnarsky-Bstandig
Chief Human Resources Officer, Labour Relations Director & Member of Board MD
70
2 Magistrate Bernhard Spalt
Chief Risk Officer & Member of the Board of MD
70
3 Dr. Manfred Knof
Chairman of the Board of MD & Chief Executive Officer
70
4 Dr. Bettina Orlopp
Chief Financial Officer, Head of Tax, IR, Treasury & Deputy Chairwoman of the Board of MD
70
5 Magistrate Thomas Schaufler CEFA
Member of the Board of Managing Director - Small-Business Customers
70

Commerzbank AG Competitors