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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 : 5/10

vs
industry
vs
history
Cash to Debt No Debt
CRZBY's Cash to Debt is ranked higher than
98% of the 1570 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.48 vs. CRZBY: No Debt )
CRZBY' s 10-Year Cash to Debt Range
Min: No Debt   Max: No Debt
Current: No Debt

Equity to Asset 0.05
CRZBY's Equity to Asset is ranked higher than
51% of the 2021 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.09 vs. CRZBY: 0.05 )
CRZBY' s 10-Year Equity to Asset Range
Min: 0.03   Max: 0.05
Current: 0.05

0.03
0.05
Interest Coverage 0.09
CRZBY's Interest Coverage is ranked lower than
53% of the 1845 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.30 vs. CRZBY: 0.09 )
CRZBY' s 10-Year Interest Coverage Range
Min: 0.05   Max: 2.05
Current: 0.09

0.05
2.05
F-Score: 4
Z-Score: 0.09
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 (%) 19.19
CRZBY's Operating margin (%) is ranked higher than
61% of the 2032 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 29.47 vs. CRZBY: 19.19 )
CRZBY' s 10-Year Operating margin (%) Range
Min: -33.71   Max: 84.76
Current: 19.19

-33.71
84.76
Net-margin (%) 7.43
CRZBY's Net-margin (%) is ranked higher than
53% of the 2032 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 21.42 vs. CRZBY: 7.43 )
CRZBY' s 10-Year Net-margin (%) Range
Min: -68.8   Max: 22.75
Current: 7.43

-68.8
22.75
ROE (%) 2.15
CRZBY's ROE (%) is ranked higher than
53% of the 2042 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.60 vs. CRZBY: 2.15 )
CRZBY' s 10-Year ROE (%) Range
Min: -27.2   Max: 12.82
Current: 2.15

-27.2
12.82
ROA (%) 0.10
CRZBY's ROA (%) is ranked higher than
52% of the 2045 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.80 vs. CRZBY: 0.10 )
CRZBY' s 10-Year ROA (%) Range
Min: -0.65   Max: 0.33
Current: 0.1

-0.65
0.33
ROC (Joel Greenblatt) (%) 84.39
CRZBY's ROC (Joel Greenblatt) (%) is ranked higher than
77% of the 2013 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 77.18 vs. CRZBY: 84.39 )
CRZBY' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -155.03   Max: 1093.93
Current: 84.39

-155.03
1093.93
Revenue Growth (3Y)(%) -53.90
CRZBY's Revenue Growth (3Y)(%) is ranked lower than
51% of the 1748 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.30 vs. CRZBY: -53.90 )
CRZBY' s 10-Year Revenue Growth (3Y)(%) Range
Min: -53.9   Max: 71.5
Current: -53.9

-53.9
71.5
EBITDA Growth (3Y)(%) -24.50
CRZBY's EBITDA Growth (3Y)(%) is ranked higher than
55% of the 1569 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.60 vs. CRZBY: -24.50 )
CRZBY' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -59.8   Max: 137.4
Current: -24.5

-59.8
137.4
EPS Growth (3Y)(%) -80.30
CRZBY's EPS Growth (3Y)(%) is ranked higher than
51% of the 1550 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.90 vs. CRZBY: -80.30 )
CRZBY' s 10-Year EPS Growth (3Y)(%) Range
Min: 0   Max: 73.2
Current: -80.3

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) 19.50
CRZBY's P/E(ttm) is ranked higher than
72% of the 2646 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 18.00 vs. CRZBY: 19.50 )
CRZBY' s 10-Year P/E(ttm) Range
Min: 2.25   Max: 42.59
Current: 19.5

2.25
42.59
P/B 0.43
CRZBY's P/B is ranked higher than
97% of the 2646 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.33 vs. CRZBY: 0.43 )
CRZBY' s 10-Year P/B Range
Min: 0.19   Max: 0.83
Current: 0.43

0.19
0.83
P/S 1.44
CRZBY's P/S is ranked higher than
94% of the 2646 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.59 vs. CRZBY: 1.44 )
CRZBY' s 10-Year P/S Range
Min: 0.2   Max: 4.62
Current: 1.44

0.2
4.62
EV-to-EBIT 8.06
CRZBY's EV-to-EBIT is ranked higher than
92% of the 2646 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 19.57 vs. CRZBY: 8.06 )
CRZBY' s 10-Year EV-to-EBIT Range
Min: -128.2   Max: 149.8
Current: 8.06

-128.2
149.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.49
CRZBY's Price/Tangible Book is ranked higher than
96% of the 2646 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.60 vs. CRZBY: 0.49 )
CRZBY' s 10-Year Price/Tangible Book Range
Min: 0.29   Max: 0.66
Current: 0.49

0.29
0.66
Price/Median PS Value 1.57
CRZBY's Price/Median PS Value is ranked higher than
65% of the 2646 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.22 vs. CRZBY: 1.57 )
CRZBY' s 10-Year Price/Median PS Value Range
Min: 0.32   Max: 3.19
Current: 1.57

0.32
3.19
Price/Graham Number 0.59
CRZBY's Price/Graham Number is ranked higher than
93% of the 2646 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.18 vs. CRZBY: 0.59 )
CRZBY' s 10-Year Price/Graham Number Range
Min: 0.28   Max: 2.73
Current: 0.59

0.28
2.73
Earnings Yield (Greenblatt) 12.40
CRZBY's Earnings Yield (Greenblatt) is ranked higher than
91% of the 2006 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.60 vs. CRZBY: 12.40 )
CRZBY' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.7   Max: 38.5
Current: 12.4

0.7
38.5

Business Description

Industry: Banks » Banks - Regional - Europe
Compare:BNPQY, LYG, KBCSY, DB, NRBAY » details
Traded in other countries:CZB.UK, COM.Switzerland, CBK.Germany, ZZMS.Germany, CBKN.Mexico,
Commerzbank AG was founded 1870. It is a bank for private and corporate customers. Its 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 merger of the previously separate brands of the BRE Bank Group, BRE Bank, MultiBank and mBank, to form the "new" mBank means the segment is now represented by the single mBank brand, which provides retail, corporate and investment banking services for customers in Poland, and retail banking services for customers in the Czech Republic and Slovakia. 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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