WallStSmart

Canadian Imperial Bank Of Commerce (CM)vsGilead Sciences Inc (GILD)

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Smart Verdict

WallStSmart Research — data-driven comparison

Gilead Sciences Inc generates 7% more annual revenue ($29.74B vs $27.91B). CM leads profitability with a 33.5% profit margin vs 31.0%. GILD appears more attractively valued with a PEG of 0.37. GILD earns a higher WallStSmart Score of 74/100 (B).

CM

Strong Buy

73

out of 100

Grade: B

Growth: 9.3Profit: 7.5Value: 5.7Quality: 3.0
Piotroski: 5/9Altman Z: -0.62

GILD

Strong Buy

74

out of 100

Grade: B

Growth: 6.0Profit: 9.5Value: 8.7Quality: 6.5
Piotroski: 7/9Altman Z: 1.97
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CM.

GILDUndervalued (+39.7%)

Margin of Safety

+39.7%

Fair Value

$221.81

Current Price

$134.43

$87.38 discount

UndervaluedFair: $221.81Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CM6 strengths · Avg: 8.8/10
Profit MarginProfitability
33.5%10/10

Keeps 34 of every $100 in revenue as profit

Operating MarginProfitability
44.7%10/10

Strong operational efficiency at 44.7%

Market CapQuality
$106.24B9/10

Large-cap with strong market position

P/E RatioValuation
16.6x8/10

Attractively priced relative to earnings

Price/BookValuation
2.2x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
16.7%8/10

16.7% revenue growth

GILD6 strengths · Avg: 9.8/10
PEG RatioValuation
0.3710/10

Growing faster than its price suggests

Return on EquityProfitability
39.2%10/10

Every $100 of equity generates 39 in profit

Profit MarginProfitability
31.0%10/10

Keeps 31 of every $100 in revenue as profit

Operating MarginProfitability
39.3%10/10

Strong operational efficiency at 39.3%

EPS GrowthGrowth
54.8%10/10

Earnings expanding 54.8% YoY

Market CapQuality
$165.19B9/10

Large-cap with strong market position

Areas to Watch

CM4 concerns · Avg: 2.3/10
PEG RatioValuation
2.104/10

Expensive relative to growth rate

Free Cash FlowQuality
$-2.49B2/10

Negative free cash flow — burning cash

Altman Z-ScoreHealth
-0.622/10

Distress zone — elevated risk

Debt/EquityHealth
2.661/10

Elevated debt levels

GILD2 concerns · Avg: 4.0/10
Revenue GrowthGrowth
4.4%4/10

4.4% revenue growth

Altman Z-ScoreHealth
1.974/10

Grey zone — moderate risk

Comparative Analysis Report

WallStSmart Research

Bull Case : CM

The strongest argument for CM centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 33.5% and operating margin at 44.7%. Revenue growth of 16.7% demonstrates continued momentum.

Bull Case : GILD

The strongest argument for GILD centers on PEG Ratio, Return on Equity, Profit Margin. Profitability is solid with margins at 31.0% and operating margin at 39.3%. PEG of 0.37 suggests the stock is reasonably priced for its growth.

Bear Case : CM

The primary concerns for CM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.66 is elevated, increasing financial risk.

Bear Case : GILD

The primary concerns for GILD are Revenue Growth, Altman Z-Score.

Key Dynamics to Monitor

CM profiles as a growth stock while GILD is a value play — different risk/reward profiles.

CM carries more volatility with a beta of 1.30 — expect wider price swings.

CM is growing revenue faster at 16.7% — sustainability is the question.

GILD generates stronger free cash flow (2.4B), providing more financial flexibility.

Bottom Line

GILD scores higher overall (74/100 vs 73/100), backed by strong 31.0% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Canadian Imperial Bank Of Commerce

FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA

Canadian Imperial Bank of Commerce, a diversified financial institution, offers a variety of financial products and services to personal, commercial, public sector, and institutional clients in Canada, the United States, and internationally. The company is headquartered in Toronto, Canada.

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Gilead Sciences Inc

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

Gilead Sciences, Inc. is an American biopharmaceutical company headquartered in Foster City, California, that focuses on researching and developing antiviral drugs used in the treatment of HIV, hepatitis B, hepatitis C, and influenza, including Harvoni and Sovaldi.

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