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Also traded in: Germany, Italy, Mexico, Switzerland, UK

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.63
CRZBY's Cash to Debt is ranked lower than
70% of the 1639 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.98 vs. CRZBY: 0.63 )
Ranked among companies with meaningful Cash to Debt only.
CRZBY' s Cash to Debt Range Over the Past 10 Years
Min: 0.1  Med: N/A Max: No Debt
Current: 0.63
Equity to Asset 0.06
CRZBY's Equity to Asset is ranked lower than
87% of the 1660 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.10 vs. CRZBY: 0.06 )
Ranked among companies with meaningful Equity to Asset only.
CRZBY' s Equity to Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.04 Max: 0.06
Current: 0.06
0.03
0.06
Interest Coverage 0.14
CRZBY's Interest Coverage is ranked lower than
95% of the 1590 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.69 vs. CRZBY: 0.14 )
Ranked among companies with meaningful Interest Coverage only.
CRZBY' s Interest Coverage Range Over the Past 10 Years
Min: 0.03  Med: 0.11 Max: 0.31
Current: 0.14
0.03
0.31
F-Score: 4
M-Score: -2.60
WACC vs ROIC
8.16%
0.74%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 7.92
CRZBY's Operating margin (%) is ranked lower than
87% of the 1678 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 30.78 vs. CRZBY: 7.92 )
Ranked among companies with meaningful Operating margin (%) only.
CRZBY' s Operating margin (%) Range Over the Past 10 Years
Min: -68.96  Med: 9.09 Max: 43.37
Current: 7.92
-68.96
43.37
Net-margin (%) 3.14
CRZBY's Net-margin (%) is ranked lower than
90% of the 1677 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.15 vs. CRZBY: 3.14 )
Ranked among companies with meaningful Net-margin (%) only.
CRZBY' s Net-margin (%) Range Over the Past 10 Years
Min: -68.58  Med: 5.4 Max: 24.43
Current: 3.14
-68.58
24.43
ROE (%) 0.91
CRZBY's ROE (%) is ranked lower than
89% of the 1675 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.39 vs. CRZBY: 0.91 )
Ranked among companies with meaningful ROE (%) only.
CRZBY' s ROE (%) Range Over the Past 10 Years
Min: -20.72  Med: 1.72 Max: 14.84
Current: 0.91
-20.72
14.84
ROA (%) 0.05
CRZBY's ROA (%) is ranked lower than
90% of the 1683 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.89 vs. CRZBY: 0.05 )
Ranked among companies with meaningful ROA (%) only.
CRZBY' s ROA (%) Range Over the Past 10 Years
Min: -0.65  Med: 0.07 Max: 0.36
Current: 0.05
-0.65
0.36
Revenue Growth (3Y)(%) -24.90
CRZBY's Revenue Growth (3Y)(%) is ranked lower than
95% of the 1371 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.10 vs. CRZBY: -24.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CRZBY' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -64.7  Med: -12.55 Max: 71.5
Current: -24.9
-64.7
71.5
EBITDA Growth (3Y)(%) -7.10
CRZBY's EBITDA Growth (3Y)(%) is ranked lower than
81% of the 1253 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.80 vs. CRZBY: -7.10 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CRZBY' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -64.2  Med: -2.9 Max: 137.1
Current: -7.1
-64.2
137.1
» CRZBY's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - Europe    NAICS: 522110 
Compare:OTCPK:TKGBY, OTCPK:AKBTY, OTCPK:IRLBF, OTCPK:BNKXF, OTCPK:EBKDY, OTCPK:MDIBY, OTCPK:KMERF, OTCPK:BNCDY, OTCPK:UNCFF, OTCPK:BPESF, OTCPK:MBNKF, OTCPK:TKYVY, OTCPK:ALBKY, OTCPK:BPXXY, OTCPK:NTXFF, OTCPK:EGFEY, OTCPK:BPIRF, OTCPK:AIBSF, OTCPK:BMDPY, OTCPK:BCBHF » details
Traded in other countries:CBK.Germany, CBK.Italy, CBKN.Mexico, COM.Switzerland, CZB.UK,
Commerzbank AG provides banking and financial services to private and corporate clients, and institutional investors. Its segments include Private Customers, Mittelstandsbank, Central and Eastern Europe, Corporates and Markets, and Non-Core Assets.

Commerzbank AG was founded in 1870. The Company provides banking services for private and corporate customers. Its business segments include Private Customers, Mittelstandsbank, Central and Eastern Europe, Corporates and Markets, and Non-Core Assets. The Private Customers segment comprises the Private Customers, Direct Banking and Commerz Real divisions. The Private Customers division covers Commerzbank's branch business in Germany for private and business customers as well as Wealth Management. The Mittelstandsbank segment is divided into the three group divisions Mittelstand Germany, Corporate Banking & International and Financial Institutions. The Mittelstand Germany division serves small and mid-sized customers, the public sector and regional and small and mid-sized institutional customers in Germany. The Central & Eastern Europe (CEE) segment contains the Group's universal banking and direct banking activities in Central and Eastern Europe. The Corporates & Markets segment combines Commerzbank's investment banking activities. The focus is on the sale of capital market products, advisory services and the preparation of market analyses for Group customers requiring capital market products. The segment comprises the Fixed Income & Currencies, Equity Markets & Commodities, Corporate Finance, Credit Portfolio Management and Client Relationship Management divisions, and ensures that not only Corporates & Markets customers but also customers of other Group segments, particularly Mittelstandsbank and Private Customers, have full access to the entire range of investment banking products and services. The Non-Core Assets segment (NCA) groups together the Commercial Real Estate portfolio (CRE), the Public Finance portfolio (PF) and the entire ship financing portfolio (Deutsche Schiffsbank, DSB).

Ratios

vs
industry
vs
history
P/E(ttm) 34.65
CRZBY's P/E(ttm) is ranked lower than
90% of the 1557 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.95 vs. CRZBY: 34.65 )
Ranked among companies with meaningful P/E(ttm) only.
CRZBY' s P/E(ttm) Range Over the Past 10 Years
Min: 2.82  Med: 21.37 Max: 1312.6
Current: 34.65
2.82
1312.6
Forward P/E 6.65
CRZBY's Forward P/E is ranked higher than
96% of the 334 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 15.24 vs. CRZBY: 6.65 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 34.65
CRZBY's PE(NRI) is ranked lower than
90% of the 1539 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.98 vs. CRZBY: 34.65 )
Ranked among companies with meaningful PE(NRI) only.
CRZBY' s PE(NRI) Range Over the Past 10 Years
Min: 2.82  Med: 21.44 Max: 828.38
Current: 34.65
2.82
828.38
P/B 0.28
CRZBY's P/B is ranked higher than
95% of the 1662 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.12 vs. CRZBY: 0.28 )
Ranked among companies with meaningful P/B only.
CRZBY' s P/B Range Over the Past 10 Years
Min: 0.16  Med: 0.29 Max: 0.62
Current: 0.28
0.16
0.62
P/S 1.07
CRZBY's P/S is ranked higher than
92% of the 1645 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.21 vs. CRZBY: 1.07 )
Ranked among companies with meaningful P/S only.
CRZBY' s P/S Range Over the Past 10 Years
Min: 0.16  Med: 0.86 Max: 3.27
Current: 1.07
0.16
3.27
POCF 3.80
CRZBY's POCF is ranked higher than
76% of the 925 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 10.51 vs. CRZBY: 3.80 )
Ranked among companies with meaningful POCF only.
CRZBY' s POCF Range Over the Past 10 Years
Min: 0.15  Med: 1.52 Max: 173.82
Current: 3.8
0.15
173.82
EV-to-EBIT 38.19
CRZBY's EV-to-EBIT is ranked lower than
90% of the 1265 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.31 vs. CRZBY: 38.19 )
Ranked among companies with meaningful EV-to-EBIT only.
CRZBY' s EV-to-EBIT Range Over the Past 10 Years
Min: -388.8  Med: 6.6 Max: 274.7
Current: 38.19
-388.8
274.7
EV-to-EBITDA 30.49
CRZBY's EV-to-EBITDA is ranked lower than
88% of the 1263 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 10.92 vs. CRZBY: 30.49 )
Ranked among companies with meaningful EV-to-EBITDA only.
CRZBY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -128.4  Med: 5.5 Max: 274.7
Current: 30.49
-128.4
274.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.78
CRZBY's Dividend Yield is ranked higher than
58% of the 2376 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.79 vs. CRZBY: 2.78 )
Ranked among companies with meaningful Dividend Yield only.
CRZBY' s Dividend Yield Range Over the Past 10 Years
Min: 2.67  Med: 9.04 Max: 35.64
Current: 2.78
2.67
35.64
Dividend Payout 0.95
CRZBY's Dividend Payout is ranked lower than
94% of the 1294 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 9999.00 vs. CRZBY: 0.95 )
Ranked among companies with meaningful Dividend Payout only.
CRZBY' s Dividend Payout Range Over the Past 10 Years
Min: 0.13  Med: 0.18 Max: 1.33
Current: 0.95
0.13
1.33
Forward Dividend Yield 2.78
CRZBY's Forward Dividend Yield is ranked higher than
88% of the 2299 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.98 vs. CRZBY: 2.78 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 2.80
CRZBY's Yield on cost (5-Year) is ranked lower than
54% of the 2629 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.56 vs. CRZBY: 2.80 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CRZBY' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.67  Med: 9.04 Max: 35.64
Current: 2.8
2.67
35.64
3-Year Average Share Buyback Ratio -29.00
CRZBY's 3-Year Average Share Buyback Ratio is ranked lower than
93% of the 1061 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -2.00 vs. CRZBY: -29.00 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CRZBY' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -98.2  Med: -14.25 Max: -2.2
Current: -29
-98.2
-2.2

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.36
CRZBY's Price/Tangible Book is ranked higher than
94% of the 1660 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.19 vs. CRZBY: 0.36 )
Ranked among companies with meaningful Price/Tangible Book only.
CRZBY' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.21  Med: 0.33 Max: 0.66
Current: 0.36
0.21
0.66
Price/Median PS Value 1.26
CRZBY's Price/Median PS Value is ranked higher than
52% of the 1450 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.10 vs. CRZBY: 1.26 )
Ranked among companies with meaningful Price/Median PS Value only.
CRZBY' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.26  Med: 0.95 Max: 2.4
Current: 1.26
0.26
2.4
Price/Graham Number 0.75
CRZBY's Price/Graham Number is ranked higher than
72% of the 1404 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.92 vs. CRZBY: 0.75 )
Ranked among companies with meaningful Price/Graham Number only.
CRZBY' s Price/Graham Number Range Over the Past 10 Years
Min: 0.19  Med: 0.63 Max: 4.41
Current: 0.75
0.19
4.41
Earnings Yield (Greenblatt) (%) 2.58
CRZBY's Earnings Yield (Greenblatt) (%) is ranked lower than
68% of the 1663 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.80 vs. CRZBY: 2.58 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CRZBY' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.4  Med: 3.3 Max: 266.2
Current: 2.58
0.4
266.2

More Statistics

Revenue (TTM) (Mil) $9,314
EPS (TTM) $ 0.23
Beta1.50
Short Percentage of Float0.00%
52-Week Range $5.83 - 10.64
Shares Outstanding (Mil)1,252.36

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 10,511 10,686 10,317
EPS ($) 0.84 1.22 1.23
EPS w/o NRI ($) 0.84 1.22 1.23
EPS Growth Rate
(3Y to 5Y Estimate)
-1.70%
Dividends Per Share ($) 0.43
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