Commerzbank AG (CRZBF) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд €		18.64	15.53	9.39	14.17	14.89	9.02	6.27	8.72	9.81	13.66		9.50	8.65
Выручка, млрд €			9.8	8.87	8.92	8.62	8.85	8.77	9.65	10.39	9.92	22.47	9.52	2.31
Чистая прибыль, млрд €			1.06	0.279	0.156	0.865	0.644	-2.87	0.43	1.44	2.22	2.22	0.3728	28.08
EV, млрд €	373.74	116.92				-7.21	9.16	-23.86	-7.29	-31.7	-89.2	19.62	-28.5780	-257.65
EBIT, млрд €			1.68	0.54	0.401	1.13	1.01	-2.61	0.184	2.05	-0.759	-0.759	-0.0250	-194.45
EBITDA, млрд €			2.17	1.09	1.02	1.8	2.02	-1.67	1.06	2.86	0.01	0.01	0.8560	-65.41
Баланс стоимость, млрд €			29.4	28.61	28.88	28.21	29.37	27.48	28.85	30.02	31.99	31.99	29.54	1.72
FCF, млрд €			14.47	-6.09	19.52	-2.29	-11.49	32.78	-25.23	25.18	17.27	36.16	7.70	-208.49
Операционный денежный поток, млрд €			14.72	-5.73	20.43	-1.7	-10.79	33.68	-24.26	25.86	18.17	37.06	8.53	-210.99
Операционная прибыль, млрд €			1.68	0.54	0.401	1.13	1.01	-2.61	0.182	2.05	9.54	0.01	2.03	56.69
Операционные расходы, млрд €			7.33	7.23	7.43	7.1	6.99	7	7.39	7.41	0.375	3.63	5.83	-44.29
CAPEX, млрд €			0.252	0.362	0.908	0.589	0.699	0.898	0.973	0.675	0.9028	0.9028	0.8296	5.25

	2017Q3	2017Q4	2018Q1	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд €													7.84	9.37	10.6	9.4	15.06	10.36	13.65	13.56	13.78	14.34				13.14	6.72
Выручка, млрд €																2.55	2.12	2.92	2.67	3.29	2.09	6	6.43	2.52	2.13	3.83	0.38
Чистая прибыль, млрд €																0.47	0.195	0.472	0.58	0.565	0.684	0.395	0.747	0.538	0.641	0.6010	-1.29
EV, млрд €			87.48														-111.42	-34.38	-78.27	-24.08	-72.49	19.97	-90.52	-84.21	-75.71	-60.5920	0.87
EBIT, млрд €												-2.5				1.44	0.706	0.968	1.73	1.79	2.2	0.589	1.07	0.632		1.26	-18.80
EBITDA, млрд €															0.497	0.696	0.423	0.431	0.859	0.903	1.09	0.024	-0.014	-0.239		0.3528	-176.66
Баланс стоимость, млрд €																29.52	29.73	30.02	30.84	30.97	31.71	31.99	29.06	29.16	33.61	31.11	1.17
FCF, млрд €				-4.46	7.89	4.85	-11.95	-8.7	14.72	26.32	0.345	-7.7						0.027								6.74	-71.64
Операционный денежный поток, млрд €				-4.46	7.89	4.85	-11.95	-8.7	14.72	26.32	0.345	-7.7						0.027								6.74	-71.64
Операционная прибыль, млрд €																0.696	0.423	0.431	0.859	0.903	1.09	0.024	-0.014	-3.37	-8.33	-2.1200	-250.19
Операционные расходы, млрд €																1.73	1.74	2.16	1.72	2.19	0.896	2.17	2.06	2.32	2.13	1.92	18.91
CAPEX, млрд €	0.908	0.908			0.699	0.699	0.699	0.699	0.898	0.898	0.898	0.898														0.8582	5.14

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2009	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд €						28.53	34.81	56.64	62.27	46.19	81.21	60.21	86.65	102.69	102.69	75.39	17.33
Short Term Investments €				75.9	60.89	50.31										62.37	-12.81
Long term investments €					90.47	82.17	161.61	120.29	414.92	139.95	134.65	122.1	96.91	100.65		118.85	-6.38
Total Receivables €						0.957	1.09	0.218	0.22	0.229	0.275	0.269	0.256	0.241	0.241	0.2540	1.03
Total Current Assets €						29.48	35.91	56.86	62.49	46.42	81.49	60.48	86.9	224.59	121.9	99.98	37.07
Чистые активы, млрд €				2.51	2.71	2.29	1.72	1.6	1.55	3.49	3.21	2.88	2.43			2.71	9.41
Активы, млрд €						532.64	480.45	452.49	462.37	463.64	506.92	473.04	477.44	517.17	527.8	487.64	2.21
Short Term Debt €				277.4	21.35											149.38	-72.26
Long Term Debt €				98.33	81.85	69.24	41.19	47.56	40.74	41.6						48.07	-9.69
Задолженность, млрд €						502.23	450.81	44.03	46.39	45.28	46.12	43.85	43.77	484.16	494.79	132.64	60.63
Чистый долг, млрд €						23.89	14.61	-12.61	-15.88	-0.915	-35.09	-16.36	-42.88	-102.69	6.54	-39.5870	157.05
Долг, млрд €				375.73	103.2				43.82	43.96	41.09	41.8	43.77	109.23	109.23	55.97	19.97
Interest income €							9.63	8.31	8.56	8.65	7.46	7.27	10.33	16.69		10.08	14.05
Расходы на обслуживание долга €						5.7	4.71	4.22	3.92	3.7	2.61	2.42	3.87	9.9	9.9	4.50	21.75
Чист. проц. доходы, млрд €							4.92	4.09	4.63	4.95	4.85	4.85	6.46	8.2	18.65	5.86	10.62
Goodwill €	2.06	2.09	2.08	2.08	2.08	2.08	1.48	1.51	1.51	1.52						1.62	-6.08
Амортизация, млрд €						0.485	0.547	0.618	0.663	1.01	0.939	0.873	0.811	0.769	0.769	0.8804	-5.31
Себестоимость, млрд €														8.82	10.72	8.82	0.00
Товарно материальные запасы €										-94.63	-130.22	-88.98	109.4	102.93	102.93	-20.3000	-201.70

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд €																							104.72	117.65	86.65	87.61	84.96	87.55	102.69	109.08	104.09	95.23	99.73	1.70
Short Term Investments €	40.5	47.56	47.3	59.77																													48.78	10.22
Long term investments €																				419.39	122.1	410.66	111.91	410.86	96.91	387.16	97.17	398.61	100.65				216.10	0.76
Total Receivables €																			0.331	0.199	0.269	0.2	0.339	0.197	0.256		0.328		0.241		0.296		0.2636	8.48
Total Current Assets €																							105.06	117.65	86.9	87.61	85.29	87.55	121.9	136.7	238.34	95.23	135.94	1.70
Чистые активы, млрд €																	3.21	3.13	3.02	2.99	2.88	2.79	2.71	2.59	2.43		2.31						2.57	-3.71
Активы, млрд €																							535.05	543.37	477.44	497.36	501.6	509.89	527.8	551.98	560.09	565.33	543.02	2.09
Short Term Debt €	193.45	191.58	187.2	13.65	95.23	91.18																											115.77	-13.80
Long Term Debt €				62.17	39.6	39.38	10.37	41.8	40.74	41.68	43.07	40.75	41.6																				41.57	0.42
Задолженность, млрд €																							42.02	515.98	43.77	468.71	48.07	480.32	494.79	521.87	526.69	530.53	510.84	2.01
Чистый долг, млрд €																							-62.69	-114.54	-42.88	-84.5	-36.89	-84.44	6.54	-105.97	-100.98	-95.23	-76.0160	2.43
Долг, млрд €				75.82	134.83	130.56																			47.46	3.34	48.07	3.11	109.23	3.11	3.11		33.33	-42.17
Interest income €																				1.74	1.91	1.99	2.21	2.52	3.62	3.79	4.43	4.84	5.2				4.38	7.51
Расходы на обслуживание долга €																							0.73	0.896	1.66	1.85	2.3	2.68	3.07	3.2	3.37	3.28	3.12	4.12
Чист. проц. доходы, млрд €																						1.4	1.48	1.62	1.96	1.95	2.13	2.17	2.13	5.95	6.09		3.69	23.38
Goodwill €							1.51	1.51	1.51	1.51	1.51	1.51	1.52	1.52	1.52	1.52																	1.52	0.13
Амортизация, млрд €																	0.231						-0.745	-0.283	-0.537	-0.875	-0.889	-1.12	-0.565	-1.08	-0.871		-0.9050	-0.41
Себестоимость, млрд €																													3.07	3.38	3.56		3.34	5.06
Товарно материальные запасы €																							-149.67		-109.4		116.34		102.93		104.39		12.92	-193.05

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	0.831	0.22	0.75	0.68	0.61	-0.56	0.25	1.15	1.79			1.79	0.6480	24.02
Цена акции ао			14.99	6.3	5.95	6.69	7.5	9.5	11.96	15.45	24.94	24.94	13.87	27.16
Число акций ао, млн	1246.67	1220	1252.31	1252.36	1350	1252.36	1252.36	1252.36	1245.7			1245.7	1270.56	-1.60
FCF/акцию	11.61	-4.99	15.59	-1.83	-8.51	26.17	-20.15	20.11	13.86			29.03	6.30	-210.25

	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	5 quarters average	CAGR 5
EPS													0.23	0.15	0.41	0.4969	0.455	0.5515	0.3185	0.6023	0.4533	0.486		0.4823	-2.50
Цена акции ао											7.48	8.54	7.44	6.99	8.27	10.82	10.92	11.11	11.56				24.94	13.87	18.18
Число акций ао, млн										1252.4	1252.36	1241.67	1263.05	2154.96	1252.36	1260.87	1241.66	1240.2	1240.22					1247.06	-0.19
FCF/акцию	-3.56	6.3	3.87	-9.54	-6.44	11.63	21.02	0.2759	-6.15						0.0216									5.36	-71.57

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			3.61	0.9751	0.5402	3.07	2.19	-10.44	1.49	5.18	7.17			6.95	19.76	1.12	26.77
ROA, %			0.1994	0.0581	0.0345	0.1871	0.1389	-0.5662	0.0909	0.3213	0.4472			0.4214	4.95	0.0864	26.35
ROIC, %	0.0817	0.3977								2.25					7.36	0.9098	201.99
ROS, %					1.75	10.03	7.28	-32.72	4.45	13.81	22.43	9.9	9.9	9.9	26.82	12.10	17.34
ROCE, %				1.82	0.0982	0.2724	0.2417	-0.5655	0.0429	0.4534	-0.1528		-2.3	-2.3	9.68	-0.5044	32.39
Ebit margin, %							11.43	-29.71	1.91	19.7	-7.66		-3.38	-3.38		-3.8280	-35.26
Рентаб EBITDA, %				12.25	11.43	20.83	22.78	-19	10.95	27.51	0.1009		0.0445	0.0445	21.90	3.92	-129.78
Чистая рентаб, %			10.83	3.14	1.75	10.03	7.28	-32.72	4.45	13.81	22.43			9.9	26.83	3.05	25.24
Operation Margin, %					4.5	13.14	11.43	-29.71	1.89	19.7	96.22	0.0445	0.0445	0.0445	14.48	23.58	-52.75
Доходность FCF, %		10.33	93.19	-64.83	137.79	-15.36	-127.37	522.53	-289.37	256.67	292.54					131.00	-218.09

	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q2	Industry average	5 quarters average	CAGR 5
ROE, %										1.59	0.656	1.57	1.88	1.82	2.23	1.27	2.4	1.75	2.09		19.76	1.95	-1.29
ROA, %										0.0878	0.0359	0.0989	0.1166	0.1126	0.1352	0.0761	0.1384	0.0968	0.1139		4.95	0.1121	-3.37
ROS, %											9.2	16.15	21.76	17.17	32.71	6.59	11.62	21.36	30.08	9.9	26.82	15.91	8.48
ROCE, %										0.2923	2.58	0.2232	6.05	0.3951	0.4648	0.1206	0.2127	0.122		-2.3	9.68	-0.2760	-237.69
Ebit margin, %															105.4	9.82	16.65	25.09		-3.38		30.72	-150.26
Рентаб EBITDA, %										27.25	19.96	14.75	32.22	27.44	52.08	0.4001	-0.2178	-9.49		0.0445	21.90	8.56	-75.66
Чистая рентаб, %										18.4	9.2	16.15	21.76	17.17	32.71	6.59	11.62	21.36	30.08		26.83	20.47	-1.66
Operation Margin, %											19.96	14.75	32.22	27.44	52.08	0.4001	-0.2178	-133.66	-390.8	0.0445	14.48	-104.8466	-35.55
Доходность FCF, %	-42.67	85.29	45.47	-155.22	-111.97	214.46	554.98	5.24	-109.85			0.2606										133.02	-73.88

Coefficients

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E			14.62	33.67	90.83	17.21	14	-2.19	20.28	7.79	6.06			5.88	19.24	9.19	-15.42
P/BV			0.528	0.3283	0.4907	0.5276	0.307	0.2283	0.3023	0.0258	0.4086			0.3963	2.36	0.2544	5.88
P/S			1.58	1.06	1.59	1.73	1.02	0.7151	0.9033	1.08	1.36			0.5821	4.64	1.02	5.92
P/FCF					0.7258	-6.51	-0.7851	0.1914	-0.3456	0.3896	0.3418	0	0	0	2.29	-0.0416	-184.68
E/P					0.011	0.0581	0.0714	-0.4575	0.0493	0.1463	0.1628	0	0	0	87.84	-0.0055	17.92
EV/EBIT							6.47	10.28	-41.57	-15.49	117.53	-25.85	-25.85	-25.85		1.75	-9.06
EV/EBITDA	711.89	124.92					3.24	16.07	-7.24	-11.09	-8920.43			1961.87	-127.06	-1783.8900	-587.49
EV/S	39.01	12.19					0.7388	-3.05	-0.7922	-3.05	-9	0.873	0.873	0.873	4.03	-2.2192	-201.96
EV/FCF	-37.49	60.71					-0.5691	-0.8172	0.3031	-1.26	-5.17	0.5426	0.5426	0.5426	9.29	-1.0083	12.35
Debt/EBITDA	715.67	110.25					22.46	-27.67	41.48	15.31	10922.9	10922.9	10922.9	10922.9	-176.21	6565.10	204.86
Netdebt/Ebitda					-12.37	-8.84	-0.4539	21.05	-15.48	-15	-10269.2	653.7	653.7	653.7	240.99	-1798.4560	-311.41
Debt/Ratio	0.6836	0.1851					0.0977	0.091	0.0927	0.0917	0.2112	0.207	0.207	0.207	0.12	0.1619	17.43
Debt/Equity	14.46	3.96					1.54	1.68	1.52	1.46	3.41	0	14.99	14.99	11.24	4.61	54.92
Debt/Net Income	4817.03	390.89					70.3	-16.07	101.97	30.5	49.11	49.11	49.11	49.11	18.05	55.96	-13.59
PEG													-27.72	-27.72		-27.7200	0.00
Бета											0.1665	1.31	-5.13	-5.13	-0.75	-1.2178	-413.50
Индекс Альтмана					-0.0109	0.0143	-2.23	-0.0415	-0.0545	0.0364	0.026	0.0598	0.0598	0.0598	40.56	0.0255	-201.87

	2016Q4	2017Q1	2017Q2	2017Q3	2017Q4	2018Q1	2018Q4	2019Q1	2019Q2	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2025Q1	2025Q2	Industry average	5 quarters average	CAGR 5
P/E																				20	77.26	21.95	23.53	7.45	5.22	6.07	6.46	7.34	7.96			19.24	6.61	8.80
P/BV																				0.3185	0.5068	0.3452	0.4426	0.0282	0.4038	0.4068	0.5131	0.5021	0.5611			2.36	0.4774	6.80
P/S																				3.68	7.11	3.55	5.12	1.27	1.1	0.9593	0.8677	1.02	1.08			4.64	1.01	-0.37
P/FCF							-2.34	1.17	2.2	-0.6442	-0.8931	0.4663	0.1802	19.1	-0.9103							383.71										2.29	80.51	282.88
E/P																	0.0514	0.0449	0.0281	0.05	0.0129	0.0456	0.0425	0.0417	0.0496	0.0275						87.84	0.0414	-9.62
EV/EBIT																									-32.89	33.9	-84.6	-133.24			-25.85		-48.5360	-4.70
EV/EBITDA					313.97	206.32															-59.07	-16.05	-30.55	-26.67	-22.09	6.94	-45.22	-97.92				-127.06	-36.9920	29.71
EV/S				15.06	38.3	39.98																		-7.32	-34.67	3.33	-14.08	-33.43	-35.53		0.873	4.03	-15.7674	-23.49
EV/FCF	57.33	17.36	26.84	42.68	8.25	-67.6																									0.5426	9.29	2.14	-54.17
Debt/EBITDA					439.2	307.92																101.54	3.63	53.24	2.86	4551.21	-222.43	-13.03			10922.9	-176.21	3048.30	420.47
Netdebt/Ebitda																				-90.08	-270.77	-99.49	-98.37	-40.85	-77.53	272.38	7569.29	422.5			653.7	240.99	1768.07	-253.17
Debt/Ratio			0.512	0.1548	0.298	0.2778																		0.0958	0.0061	0.207	0.0056	0.0056			0.207	0.12	0.0863	102.36
Debt/Equity			8.82	2.65	4.67	4.68																		1.55	0.0982	3.41	0.1071	0.1068			14.99	11.24	3.74	173.36
Debt/Net Income			-391.62	160.63	1498.14	522.23																		85.08	4.55	276.53	4.17	5.79			49.11	18.05	68.03	60.93
PEG																															-27.72		-27.7200	0.00
Бета																														-3.86	-5.13	-0.75	-4.4950	15.28
Индекс Альтмана																-0.0047	0.0072	-0.0731	0.0166	0.0054	0.0267	0.0026		0.0089						0.0598	0.0598	40.56	0.0316	17.50

Dividends

IFRS

Reporting Annual Quarterly

	2008	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.657	0.25	0.25	0.25	0.25	0.25	0.25	0.25			0.2261	-0.25				0.1452	-200.00
Дивиденд					0.226		0.2234	0.2234	0.2			0.1868	0.3274	0.3274		0.2322	7.94
Див доход, ао, %					2.94	1.63	1.7	3.34	3.99	2.4		1.85	1.44	1.44	6.73	2.60	-15.49
Дивиденды / прибыль, %		320.51	94.7	23.54	89.61	160.26	28.9	38.82			15.76	10.17		10.17	47.94	50.78	-42.39

	2016Q2	2018Q3	2018Q4	2019Q1	2019Q2	2020Q2	2023Q2	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд		0.25	0.25	0.25	0.25				0.2500	0.00
Дивиденд	0.226				0.2234	0.2	0.215		0.2161	-1.24
Див доход, ао, %	2.78				2.63	5.28	1.97	6.73	3.17	-8.25
Дивиденды / прибыль, %		114.68	219.3	208.33	92.25			47.94	158.64	-5.30

	Industry average	5 quarters average	CAGR 5

Other

IFRS

Reporting Annual

	2023	2024	CAGR 5
Персонал, чел	38307	42098	4.83

	CAGR 5

	CAGR 5

Investing Port

OTC: CRZBF - Commerzbank AG

Reporting Commerzbank AG

Capitalization

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Efficiency

Coefficients

Dividends

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