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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 1.31
CRZBY's Cash-to-Debt is ranked lower than
65% of the 1592 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.23 vs. CRZBY: 1.31 )
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: 1.31
Equity-to-Asset 0.06
CRZBY's Equity-to-Asset is ranked lower than
86% of the 1591 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
96% of the 1515 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: 0.32
Current: 0.14
0.03
0.32
Beneish M-Score: -2.59
WACC vs ROIC
7.94%
1.06%
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 : 3/10

vs
industry
vs
history
Operating Margin % 7.82
CRZBY's Operating Margin % is ranked lower than
89% of the 1606 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 31.37 vs. CRZBY: 7.82 )
Ranked among companies with meaningful Operating Margin % only.
CRZBY' s Operating Margin % Range Over the Past 10 Years
Min: -68.96  Med: 7.59 Max: 31.89
Current: 7.82
-68.96
31.89
Net Margin % 3.79
CRZBY's Net Margin % is ranked lower than
90% of the 1605 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 22.70 vs. CRZBY: 3.79 )
Ranked among companies with meaningful Net Margin % only.
CRZBY' s Net Margin % Range Over the Past 10 Years
Min: -68.58  Med: 3.26 Max: 24.43
Current: 3.79
-68.58
24.43
ROE % 1.14
CRZBY's ROE % is ranked lower than
89% of the 1603 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 8.58 vs. CRZBY: 1.14 )
Ranked among companies with meaningful ROE % only.
CRZBY' s ROE % Range Over the Past 10 Years
Min: -20.08  Med: 1 Max: 14.2
Current: 1.14
-20.08
14.2
ROA % 0.06
CRZBY's ROA % is ranked lower than
90% of the 1612 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.90 vs. CRZBY: 0.06 )
Ranked among companies with meaningful ROA % only.
CRZBY' s ROA % Range Over the Past 10 Years
Min: -0.63  Med: 0.06 Max: 0.31
Current: 0.06
-0.63
0.31
3-Year Revenue Growth Rate -5.90
CRZBY's 3-Year Revenue Growth Rate is ranked lower than
85% of the 1354 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 4.20 vs. CRZBY: -5.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CRZBY' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -50.7  Med: -19 Max: 71
Current: -5.9
-50.7
71
3-Year EBITDA Growth Rate -46.70
CRZBY's 3-Year EBITDA Growth Rate is ranked lower than
98% of the 1256 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 6.40 vs. CRZBY: -46.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CRZBY' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -65.7  Med: 1.3 Max: 136.5
Current: -46.7
-65.7
136.5
3-Year EPS without NRI Growth Rate 34.70
CRZBY's 3-Year EPS without NRI Growth Rate is ranked higher than
89% of the 1226 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 7.40 vs. CRZBY: 34.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CRZBY' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -49.6 Max: 68.5
Current: 34.7
0
68.5
GuruFocus has detected 5 Warning Signs with Commerzbank AG $CRZBY.
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» CRZBY's 30-Y Financials

Financials (Next Earnings Date: 2017-08-02 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - Europe    NAICS: 522110 
Compare:OTCPK:BNKXF, OTCPK:TKGBY, OTCPK:EBKDY, OTCPK:AKBTY, OTCPK:RAIFY, OTCPK:IRLBF, OTCPK:MDIBY, OTCPK:BKNIY, OTCPK:BNCDY, OTCPK:NTXFY, OTCPK:TKYVY, OTCPK:THBIY, OTCPK:MBNKF, OTCPK:ALBKY, OTCPK:UNCFF, OTCPK:BPESF, OTCPK:CBBYF, OTCPK:BNCZF, OTCPK:BPIRY, OTCPK:EGFEY » details
Traded in other countries:CBK.Germany, CBK.Italy, CBKN.Mexico, COM.Switzerland, CZB.UK,
Headquarter Location:Germany
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 was founded in Hamburg in 1870 and is the second- largest private bank in Germany. The bank has around 1,000 branches and 50,000 employees and operates in more than 50 countries, with Germany and Poland its core markets. Under its Commerzbank 4.0 strategy, its customer business will be focused around two segments: private and small-business customers, and corporate clients. The Mittelstandsbank and corporates and markets segments will be merged and sales and trading activities in investment banking scaled back.

Ratios

vs
industry
vs
history
PE Ratio 36.08
CRZBY's PE Ratio is ranked lower than
92% of the 1510 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.59 vs. CRZBY: 36.08 )
Ranked among companies with meaningful PE Ratio only.
CRZBY' s PE Ratio Range Over the Past 10 Years
Min: 3.1  Med: 23.22 Max: 3387.5
Current: 36.08
3.1
3387.5
Forward PE Ratio 59.52
CRZBY's Forward PE Ratio is ranked lower than
97% of the 839 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 13.93 vs. CRZBY: 59.52 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 36.08
CRZBY's PE Ratio without NRI is ranked lower than
92% of the 1477 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 14.63 vs. CRZBY: 36.08 )
Ranked among companies with meaningful PE Ratio without NRI only.
CRZBY' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.09  Med: 23.27 Max: 1355
Current: 36.08
3.09
1355
PB Ratio 0.41
CRZBY's PB Ratio is ranked higher than
92% of the 1611 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.20 vs. CRZBY: 0.41 )
Ranked among companies with meaningful PB Ratio only.
CRZBY' s PB Ratio Range Over the Past 10 Years
Min: 0.17  Med: 0.34 Max: 0.65
Current: 0.41
0.17
0.65
PS Ratio 1.37
CRZBY's PS Ratio is ranked higher than
90% of the 1586 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.40 vs. CRZBY: 1.37 )
Ranked among companies with meaningful PS Ratio only.
CRZBY' s PS Ratio Range Over the Past 10 Years
Min: 0.27  Med: 1.02 Max: 3.56
Current: 1.37
0.27
3.56
Price-to-Operating-Cash-Flow 0.79
CRZBY's Price-to-Operating-Cash-Flow is ranked lower than
99.99% of the 940 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 10.82 vs. CRZBY: 0.79 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CRZBY' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.18  Med: 2.01 Max: 987.69
Current: 0.79
0.18
987.69
EV-to-EBIT 2.44
CRZBY's EV-to-EBIT is ranked lower than
79% of the 1668 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 12.52 vs. CRZBY: 2.44 )
Ranked among companies with meaningful EV-to-EBIT only.
CRZBY' s EV-to-EBIT Range Over the Past 10 Years
Min: -150.9  Med: 6.5 Max: 283.7
Current: 2.44
-150.9
283.7
EV-to-EBITDA 2.03
CRZBY's EV-to-EBITDA is ranked lower than
75% of the 1685 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 11.29 vs. CRZBY: 2.03 )
Ranked among companies with meaningful EV-to-EBITDA only.
CRZBY' s EV-to-EBITDA Range Over the Past 10 Years
Min: -129.2  Med: 8.35 Max: 283.7
Current: 2.03
-129.2
283.7

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.16
CRZBY's Dividend Yield % is ranked lower than
53% of the 2319 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 2.69 vs. CRZBY: 2.16 )
Ranked among companies with meaningful Dividend Yield % only.
CRZBY' s Dividend Yield % Range Over the Past 10 Years
Min: 2.08  Med: 3.45 Max: 59.84
Current: 2.16
2.08
59.84
Dividend Payout Ratio 0.77
CRZBY's Dividend Payout Ratio is ranked lower than
93% of the 1315 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.33 vs. CRZBY: 0.77 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CRZBY' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.35  Med: 0.63 Max: 0.91
Current: 0.77
0.35
0.91
5-Year Yield-on-Cost % 2.16
CRZBY's 5-Year Yield-on-Cost % is ranked lower than
63% of the 2649 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 3.31 vs. CRZBY: 2.16 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CRZBY' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 2.08  Med: 3.45 Max: 59.84
Current: 2.16
2.08
59.84
3-Year Average Share Buyback Ratio -3.20
CRZBY's 3-Year Average Share Buyback Ratio is ranked lower than
57% of the 1042 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: -1.80 vs. CRZBY: -3.20 )
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: -7.2 Max: -2.2
Current: -3.2
-98.2
-2.2

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.46
CRZBY's Price-to-Tangible-Book is ranked higher than
90% of the 1576 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.27 vs. CRZBY: 0.46 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CRZBY' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.26  Med: 0.37 Max: 0.67
Current: 0.46
0.26
0.67
Price-to-Intrinsic-Value-Projected-FCF 0.52
CRZBY's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
78% of the 869 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.78 vs. CRZBY: 0.52 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CRZBY' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.32  Med: 0.47 Max: 0.71
Current: 0.52
0.32
0.71
Price-to-Median-PS-Value 1.35
CRZBY's Price-to-Median-PS-Value is ranked lower than
62% of the 1462 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 1.14 vs. CRZBY: 1.35 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CRZBY' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.37  Med: 1 Max: 2.24
Current: 1.35
0.37
2.24
Price-to-Graham-Number 0.85
CRZBY's Price-to-Graham-Number is ranked higher than
59% of the 1364 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 0.96 vs. CRZBY: 0.85 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CRZBY' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.22  Med: 0.67 Max: 5.52
Current: 0.85
0.22
5.52
Earnings Yield (Greenblatt) % 40.98
CRZBY's Earnings Yield (Greenblatt) % is ranked lower than
60% of the 2207 Companies
in the Global Banks - Regional - Europe industry.

( Industry Median: 5.95 vs. CRZBY: 40.98 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CRZBY' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.4  Med: 4.5 Max: 412
Current: 40.98
0.4
412

More Statistics

Revenue (TTM) (Mil) $9,435
EPS (TTM) $ 0.27
Beta1.38
Short Percentage of Float0.00%
52-Week Range $5.83 - 10.79
Shares Outstanding (Mil)1,252.36

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 10,750 10,734
EPS ($) 0.18 0.57
EPS without NRI ($) 0.18 0.57
EPS Growth Rate
(Future 3Y To 5Y Estimate)
38.80%
Dividends per Share ($)

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