Canadian Imperial Bank Of Commerce (CM)vsPhilip Morris International Inc (PM)
CM
Canadian Imperial Bank Of Commerce
$108.74
-0.69%
FINANCIAL SERVICES · Cap: $106.24B
PM
Philip Morris International Inc
$177.38
+1.40%
CONSUMER DEFENSIVE · Cap: $299.03B
Smart Verdict
WallStSmart Research — data-driven comparison
Philip Morris International Inc generates 49% more annual revenue ($41.49B vs $27.91B). CM leads profitability with a 33.5% profit margin vs 26.7%. PM appears more attractively valued with a PEG of 1.95. CM earns a higher WallStSmart Score of 73/100 (B).
CM
Strong Buy73
out of 100
Grade: B
PM
Buy54
out of 100
Grade: C-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Intrinsic value data unavailable for CM.
Margin of Safety
-61.5%
Fair Value
$109.81
Current Price
$177.38
$67.57 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
16.7% revenue growth
Mega-cap, among the largest globally
Strong operational efficiency at 36.0%
Conservative balance sheet, low leverage
Keeps 27 of every $100 in revenue as profit
Areas to Watch
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Expensive relative to growth rate
Moderate valuation
ROE of 0.0% — below average capital efficiency
Earnings declined 9.3%
Comparative Analysis Report
WallStSmart ResearchBull 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 : PM
The strongest argument for PM centers on Market Cap, Operating Margin, Debt/Equity. Profitability is solid with margins at 26.7% and operating margin at 36.0%.
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 : PM
The primary concerns for PM are PEG Ratio, P/E Ratio, Return on Equity.
Key Dynamics to Monitor
CM profiles as a growth stock while PM is a mature 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.
PM generates stronger free cash flow (-752M), providing more financial flexibility.
Bottom Line
CM scores higher overall (73/100 vs 54/100), 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.
Visit Website →Philip Morris International Inc
CONSUMER DEFENSIVE · TOBACCO · USA
Philip Morris International Inc. (PMI) is a Swiss-American multinational cigarette and tobacco manufacturing company, with products sold in over 180 countries. The most recognized and best selling product of the company is Marlboro.
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