WallStSmart

Canadian Imperial Bank Of Commerce (CM)vsPfizer Inc (PFE)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Pfizer Inc generates 127% more annual revenue ($63.32B vs $27.91B). CM leads profitability with a 33.5% profit margin vs 11.8%. CM appears more attractively valued with a PEG of 2.10. 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

PFE

Buy

55

out of 100

Grade: C

Growth: 3.3Profit: 7.0Value: 4.7Quality: 5.5
Piotroski: 4/9Altman Z: 1.70
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CM.

PFEUndervalued (+13.5%)

Margin of Safety

+13.5%

Fair Value

$30.25

Current Price

$26.18

$4.07 discount

UndervaluedFair: $30.25Overvalued

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

PFE4 strengths · Avg: 8.8/10
Operating MarginProfitability
31.6%10/10

Strong operational efficiency at 31.6%

Market CapQuality
$147.96B9/10

Large-cap with strong market position

Price/BookValuation
1.7x8/10

Reasonable price relative to book value

Free Cash FlowQuality
$2.18B8/10

Generating 2.2B 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

PFE3 concerns · Avg: 2.7/10
Altman Z-ScoreHealth
1.704/10

Distress zone — elevated risk

PEG RatioValuation
13.772/10

Expensive relative to growth rate

EPS GrowthGrowth
-10.1%2/10

Earnings declined 10.1%

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 : PFE

The strongest argument for PFE centers on Operating Margin, Market Cap, Price/Book.

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 : PFE

The primary concerns for PFE are Altman Z-Score, PEG Ratio, EPS Growth.

Key Dynamics to Monitor

CM profiles as a growth stock while PFE 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.

PFE generates stronger free cash flow (2.2B), providing more financial flexibility.

Bottom Line

CM scores higher overall (73/100 vs 55/100), backed by strong 33.5% margins and 16.7% revenue growth. 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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Pfizer Inc

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

Pfizer Inc. is an American multinational pharmaceutical and biotechnology corporation headquartered on 42nd Street in Manhattan, New York City. The name of the company commemorates its co-founder, Charles Pfizer (1824-1906). Pfizer develops and produces medicines and vaccines for immunology, oncology, cardiology, endocrinology, and neurology. The company has several blockbuster drugs or products that each generate more than 1 billion USD in annual revenues.

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