WallStSmart

Canadian Imperial Bank Of Commerce (CM)vsMedtronic PLC (MDT)

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Smart Verdict

WallStSmart Research — data-driven comparison

Medtronic PLC generates 27% more annual revenue ($35.48B vs $27.91B). CM leads profitability with a 33.5% profit margin vs 13.0%. MDT appears more attractively valued with a PEG of 1.33. CM earns a higher WallStSmart Score of 73/100 (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

MDT

Buy

61

out of 100

Grade: C+

Growth: 4.0Profit: 6.5Value: 6.7Quality: 6.5
Piotroski: 4/9Altman Z: 1.89
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CM.

MDTUndervalued (+17.8%)

Margin of Safety

+17.8%

Fair Value

$89.75

Current Price

$73.81

$15.94 discount

UndervaluedFair: $89.75Overvalued

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

MDT4 strengths · Avg: 8.3/10
Market CapQuality
$98.82B9/10

Large-cap with strong market position

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Operating MarginProfitability
20.0%8/10

Strong operational efficiency at 20.0%

Free Cash FlowQuality
$2.30B8/10

Generating 2.3B in free cash flow

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

MDT2 concerns · Avg: 3.0/10
Altman Z-ScoreHealth
1.894/10

Grey zone — moderate risk

EPS GrowthGrowth
-11.8%2/10

Earnings declined 11.8%

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 : MDT

The strongest argument for MDT centers on Market Cap, Price/Book, Operating Margin. PEG of 1.33 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 : MDT

The primary concerns for MDT are Altman Z-Score, EPS Growth.

Key Dynamics to Monitor

CM profiles as a growth stock while MDT 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.

MDT generates stronger free cash flow (2.3B), providing more financial flexibility.

Bottom Line

CM scores higher overall (73/100 vs 61/100), backed by strong 33.5% margins and 16.7% revenue growth. MDT offers better value entry with a 17.8% margin of safety. Both earn "Strong Buy" and "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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Medtronic PLC

HEALTHCARE · MEDICAL DEVICES · USA

Medtronic plc is an American-Irish registered medical device company that primarily operates in the United States. Medtronic has an operational and executive headquarters in Fridley, Minnesota in the US.

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