0.16%
18.22%
12.65%
21.90%
72.24%
142.36%
253.75%
AI Spotlight on CBK
Company Description
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.
Market Data
| Last Price | 18.39 |
| Change Percentage | 0.16% |
| Open | 18.44 |
| Previous Close | 18.36 |
| Market Cap ( Millions) | 21792 |
| Volume | 329180 |
| Year High | 18.54 |
| Year Low | 10.14 |
| M A 50 | 15.93 |
| M A 200 | 15.11 |
Financial Ratios
| FCF Yield | 0.00% |
| Dividend Yield | 1.90% |
| ROE | 7.54% |
| Debt / Equity | 12.97% |
| Net Debt / EBIDTA | -10197.66% |
| Price To Book | 0.73 |
| Price Earnings Ratio | 9.39 |
| Price To FCF | 0 |
| Price To sales | 1.23 |
| EV / EBITDA | -77.66 |
News
- Jan -29 - Commerzbank Comments on Canadian Dollar Ahead of Central Bank Policy Decision
- Jan -29 - Commerzbank Spurns Big Deals Pitched to Help Keep Orcel Away
- Jan -28 - Commerzbank on Overnight News
- Jan -27 - Commerzbank Asks If The Migration Debate Will Move the Polls Ahead of Germany's February Election
- Jan -24 - Commerzbank says no talks with UniCredit until specific proposal made
- Jan -23 - Commerzbank Calls UniCredit Move ‘Hostile’ in Escalation
- Jan -22 - Commerzbank says UniCredit's approach is hostile and unilateral
- Jan -22 - Commerzbank says UniCredit's approach is hostile and unilateral
- Jan -22 - Commerzbank Calls UniCredit Move ‘Hostile’ in Escalation
- Jan -22 - Commerzbank Calls UniCredit Move ‘Hostile’ in Escalation
- Jan -22 - Unicredit chief hopes for clarity on Commerzbank plans by end 2025
- Jan -21 - Orcel Says He Can Drop Commerzbank Deal If There’s No Value
- Jan -21 - Orcel Says He Can Drop Commerzbank Deal If There’s No Value
- Jan -13 - Commerzbank chairman sees little chance of amicable UniCredit merger, report says
- Jan -03 - UniCredit Tapped Citigroup for Commerzbank Hedges Last Month
- Jan -03 - Commerzbank on Overnight News
- Dec -19 - Germany opposes UniCredit’s move to raise Commerzbank stake
- Dec -18 - German Government Tells UniCredit to Exit Commerzbank Stake
- Dec -18 - UniCredit pivots back to Commerzbank, increases stake to 28%
- Dec -18 - UniCredit Lifts Commerzbank Stake as Orcel Keeps Up Pursuit
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Private and Business Customers
Expected Growth : 4.5 %
What the company do ?
Private Customers refer to individual clients, while Business Customers include small to large enterprises, receiving tailored financial services from Commerzbank AG.
Why we expect these perspectives ?
Commerzbank AG's 4.5% growth in Private and Business Customers is driven by increasing demand for digital banking services, expansion of its online platform, and strategic partnerships. Additionally, the bank's focus on SMEs and corporate clients has led to an increase in lending and deposit volumes, contributing to the growth.
Segment n°2 -> Corporate Clients
Expected Growth : 4.8 %
What the company do ?
Commerzbank AG's Corporate Clients segment provides financial services to large corporations, multinational companies, and financial institutions, offering customized solutions for their complex financial needs.
Why we expect these perspectives ?
Commerzbank AG's 4.8% growth in Corporate Clients is driven by strong demand for cash management and trade finance solutions, particularly in the German Mittelstand sector. Additionally, the bank's digital transformation efforts, such as the rollout of its online platform, have improved customer experience and increased adoption rates.
Segment n°3 -> Others and Consolidation
Expected Growth : 3.5 %
What the company do ?
Others and Consolidation from Commerzbank AG refers to the aggregation of financial data from various smaller business units and subsidiaries, providing a comprehensive view of the bank's overall performance.
Why we expect these perspectives ?
Commerzbank AG's Others and Consolidation segment growth of 3.5% is driven by increasing demand for digital banking services, strategic partnerships, and cost savings from restructuring efforts. Additionally, the segment benefits from a favorable interest rate environment and a growing presence in the German market, leading to improved revenue and profitability.
Commerzbank Ag Products
| Product Range | What is it ? |
|---|---|
| Corporate Banking | Commerzbank's Corporate Banking segment provides a range of financial services to large and multinational corporations, including cash management, trade finance, and risk management solutions. |
| Private and Small-Business Customers | This segment offers a range of banking services to private individuals and small businesses, including current accounts, credit cards, loans, and investment products. |
| Mittelstandsbank | This segment provides specialized banking services to medium-sized businesses in Germany, including financing, cash management, and risk management solutions. |
| Central and Eastern Europe | This segment provides banking services to corporate and private clients in Central and Eastern Europe, including Poland, Czech Republic, and Hungary. |
| Markets and Commodities | This segment provides a range of investment products and services, including equities, fixed income, currencies, and commodities. |
Commerzbank AG's Porter Forces
Threat Of Substitutes
Commerzbank AG faces moderate threat from substitutes due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
Commerzbank AG's customers have high bargaining power due to the availability of multiple banking options and the ease of switching banks.
Bargaining Power Of Suppliers
Commerzbank AG has a strong bargaining power over its suppliers due to its large scale of operations and negotiating power.
Threat Of New Entrants
The threat of new entrants is low for Commerzbank AG due to the high barriers to entry in the banking industry, including regulatory hurdles and capital requirements.
Intensity Of Rivalry
The intensity of rivalry in the banking industry is high, with many established players competing for market share and customers.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 77.07% |
| Debt Cost | 3.95% |
| Equity Weight | 22.93% |
| Equity Cost | 9.69% |
| WACC | 5.26% |
| Leverage | 336.19% |
Commerzbank AG : Quality Control
Commerzbank AG passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| ISP.MI | Intesa Sanpaolo S.p.A. provides various financial products and services primarily in Italy. It operates through six segments Banca dei Territori, IMI Corporate & Investment Banking, International Subsidiary Banks, Asset Management, … |
| SEB-A.ST | Skandinaviska Enskilda Banken AB (publ) provides corporate, retail, investment, and private banking services. It operates through Large Corporates & Financial Institutions, Corporate & Private Customers, Baltic, Life, and Investment Management … |
| CABK.MC | CaixaBank, S.A., together with its subsidiaries, provides various banking products and financial services in Spain and internationally. The company operates through Banking and Insurance, Equity Investments, and BPI segments. It … |
| BNP.PA | BNP Paribas SA provides a range of banking and financial services in Europe, North America, Asia Pacific, and internationally. The company offers corporate and institutional banking services, such as consulting, … |
| GLE.PA | Société Générale Société anonyme provides banking and financial services to individuals, businesses, and institutional investors in Europe and internationally. It operates through three segments: Retail Banking in France, International Retail … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Intesa Sanpaolo
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BNP Paribas
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CaixaBank
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4
SEB
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5
Société Générale
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6
