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CM · NYSE · United States · Commercial Banks, Nec
In shortCANADIAN IMPERIAL BANK OF COMMERCE /CAN/ is profitable.
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 28.9% | 100/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 13.7% | 69/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 47.5% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 1.64× | n/a |
| Years with positive free cash flow (last 5) | 4 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 0 of 5 | 100/100 |
| Revenue growth volatility | 2.8% | 100/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 10.1% | 73/100 |
|---|---|---|
| EPS growth, 3-year average | 8.7% | 68/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
CAD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 20,015 | 21,833 | 23,332 | 25,606 | 29,133 |
| Interest expense | 3,282 | 9,538 | 32,194 | 38,490 | 32,992 |
| Pre-tax income | 8,322 | 7,973 | 6,973 | 9,166 | 10,939 |
| Income tax | 1,876 | 1,730 | 1,934 | 2,012 | 2,485 |
| Net income | 6,429 | 6,220 | 5,001 | 7,115 | 8,429 |
| Diluted EPS | C$6.96 | C$6.68 | C$5.17 | C$7.28 | C$8.57 |
| Diluted shares (millions) | 900 | 906 | 916 | 942 | 941 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 8 reported quarters (10-Q and 10-K filings), in CAD millions. The fourth quarter is derived from the annual report.
The last 8 quarters of CANADIAN IMPERIAL BANK OF COMMERCE /CAN/ are included in the Investor plan. Try free for 7 days →
Not computed: the model does not apply to banks and insurers.
7/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Oct 31, 2025 · Data updated Feb 26, 2026