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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 : 6/10

vs
industry
vs
history
Cash to Debt N/A
CRZBY's Cash to Debt is ranked higher than
93% of the 973 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.48 vs. CRZBY: N/A )
Ranked among companies with meaningful Cash to Debt only.
CRZBY' s 10-Year Cash to Debt Range
Min: N/A  Med: 9999.00 Max: N/A
Current: N/A
Equity to Asset 0.05
CRZBY's Equity to Asset is ranked lower than
91% of the 1290 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.10 vs. CRZBY: 0.05 )
Ranked among companies with meaningful Equity to Asset only.
CRZBY' s 10-Year Equity to Asset Range
Min: 0.03  Med: 0.04 Max: 0.05
Current: 0.05
0.03
0.05
Interest Coverage 0.09
CRZBY's Interest Coverage is ranked lower than
97% of the 1205 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.69 vs. CRZBY: 0.09 )
Ranked among companies with meaningful Interest Coverage only.
CRZBY' s 10-Year Interest Coverage Range
Min: 0.03  Med: 0.12 Max: 2
Current: 0.09
0.03
2
F-Score: 7
WACC vs ROIC
5.78%
1.90%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 10.87
CRZBY's Operating margin (%) is ranked lower than
85% of the 1357 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 29.54 vs. CRZBY: 10.87 )
Ranked among companies with meaningful Operating margin (%) only.
CRZBY' s 10-Year Operating margin (%) Range
Min: -68.96  Med: 14.15 Max: 84.76
Current: 10.87
-68.96
84.76
Net-margin (%) 4.99
CRZBY's Net-margin (%) is ranked lower than
89% of the 1356 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 21.24 vs. CRZBY: 4.99 )
Ranked among companies with meaningful Net-margin (%) only.
CRZBY' s 10-Year Net-margin (%) Range
Min: -68.58  Med: 5.51 Max: 24.43
Current: 4.99
-68.58
24.43
ROE (%) 1.49
CRZBY's ROE (%) is ranked lower than
88% of the 1355 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.13 vs. CRZBY: 1.49 )
Ranked among companies with meaningful ROE (%) only.
CRZBY' s 10-Year ROE (%) Range
Min: -27.6  Med: 0.96 Max: 14.9
Current: 1.49
-27.6
14.9
ROA (%) 0.07
CRZBY's ROA (%) is ranked lower than
90% of the 1364 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.80 vs. CRZBY: 0.07 )
Ranked among companies with meaningful ROA (%) only.
CRZBY' s 10-Year ROA (%) Range
Min: -0.65  Med: 0.05 Max: 0.36
Current: 0.07
-0.65
0.36
ROC (Joel Greenblatt) (%) 46.41
CRZBY's ROC (Joel Greenblatt) (%) is ranked lower than
65% of the 1348 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 74.52 vs. CRZBY: 46.41 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
CRZBY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -318.18  Med: 42.44 Max: 1093.93
Current: 46.41
-318.18
1093.93
Revenue Growth (3Y)(%) -36.50
CRZBY's Revenue Growth (3Y)(%) is ranked lower than
96% of the 1149 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.70 vs. CRZBY: -36.50 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CRZBY' s 10-Year Revenue Growth (3Y)(%) Range
Min: -50.1  Med: -13.30 Max: 71.5
Current: -36.5
-50.1
71.5
EBITDA Growth (3Y)(%) -49.00
CRZBY's EBITDA Growth (3Y)(%) is ranked lower than
97% of the 1011 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.10 vs. CRZBY: -49.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CRZBY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -52.9  Med: 1.30 Max: 137.1
Current: -49
-52.9
137.1
EPS Growth (3Y)(%) -51.10
CRZBY's EPS Growth (3Y)(%) is ranked lower than
96% of the 1020 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 9.20 vs. CRZBY: -51.10 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CRZBY' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -64.90 Max: 73.2
Current: -51.1
0
73.2
» CRZBY's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
P/E(ttm) 30.34
CRZBY's P/E(ttm) is ranked lower than
89% of the 1244 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.30 vs. CRZBY: 30.34 )
Ranked among companies with meaningful P/E(ttm) only.
CRZBY' s 10-Year P/E(ttm) Range
Min: 1.98  Med: 20.66 Max: 45.3
Current: 30.34
1.98
45.3
Forward P/E 9.78
CRZBY's Forward P/E is ranked higher than
70% of the 750 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.38 vs. CRZBY: 9.78 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 31.70
CRZBY's PE(NRI) is ranked lower than
88% of the 1217 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.30 vs. CRZBY: 31.70 )
Ranked among companies with meaningful PE(NRI) only.
CRZBY' s 10-Year PE(NRI) Range
Min: 1.97  Med: 21.63 Max: 2193.22
Current: 31.7
1.97
2193.22
P/B 0.52
CRZBY's P/B is ranked higher than
87% of the 1351 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.12 vs. CRZBY: 0.52 )
Ranked among companies with meaningful P/B only.
CRZBY' s 10-Year P/B Range
Min: 0.16  Med: 0.27 Max: 0.62
Current: 0.52
0.16
0.62
P/S 1.64
CRZBY's P/S is ranked higher than
83% of the 1422 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.99 vs. CRZBY: 1.64 )
Ranked among companies with meaningful P/S only.
CRZBY' s 10-Year P/S Range
Min: 0.18  Med: 0.72 Max: 3.27
Current: 1.64
0.18
3.27
POCF 1.54
CRZBY's POCF is ranked higher than
87% of the 930 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 10.17 vs. CRZBY: 1.54 )
Ranked among companies with meaningful POCF only.
CRZBY' s 10-Year POCF Range
Min: 0.82  Med: 1.59 Max: 5.59
Current: 1.54
0.82
5.59
EV-to-EBIT 15.23
CRZBY's EV-to-EBIT is ranked lower than
54% of the 1366 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.30 vs. CRZBY: 15.23 )
Ranked among companies with meaningful EV-to-EBIT only.
CRZBY' s 10-Year EV-to-EBIT Range
Min: -130  Med: 8.60 Max: 475.8
Current: 15.23
-130
475.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.57
CRZBY's Price/Tangible Book is ranked higher than
85% of the 1331 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.18 vs. CRZBY: 0.57 )
Ranked among companies with meaningful Price/Tangible Book only.
CRZBY' s 10-Year Price/Tangible Book Range
Min: 0.21  Med: 0.30 Max: 0.66
Current: 0.57
0.21
0.66
Price/Projected FCF 0.63
CRZBY's Price/Projected FCF is ranked lower than
281% of the 775 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.68 vs. CRZBY: 0.63 )
Ranked among companies with meaningful Price/Projected FCF only.
CRZBY' s 10-Year Price/Projected FCF Range
Min: 0.21  Med: 0.47 Max: 0.73
Current: 0.63
0.21
0.73
Price/Median PS Value 2.05
CRZBY's Price/Median PS Value is ranked lower than
96% of the 1286 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.11 vs. CRZBY: 2.05 )
Ranked among companies with meaningful Price/Median PS Value only.
CRZBY' s 10-Year Price/Median PS Value Range
Min: 0.29  Med: 0.98 Max: 2.86
Current: 2.05
0.29
2.86
Price/Graham Number 0.79
CRZBY's Price/Graham Number is ranked higher than
57% of the 1154 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.88 vs. CRZBY: 0.79 )
Ranked among companies with meaningful Price/Graham Number only.
CRZBY' s 10-Year Price/Graham Number Range
Min: 0.2  Med: 0.67 Max: 1.97
Current: 0.79
0.2
1.97
Earnings Yield (Greenblatt) (%) 6.88
CRZBY's Earnings Yield (Greenblatt) (%) is ranked higher than
51% of the 1364 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.40 vs. CRZBY: 6.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CRZBY' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 0.2  Med: 6.60 Max: 48.4
Current: 6.88
0.2
48.4

Business Description

Industry: Banks » Banks - Regional - Europe
Compare:BNPQY, LYG, KBCSY, DB, NRBAY » details
Traded in other countries:CZB.UK, CBK.Germany, CBKN.Mexico, COM.Switzerland, ZZMS.Germany,
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).

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