Commerzbank AG
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Commerzbank AG's yearly results (2022–2025), compared with companies in Germany. Tap ? on any ratio for what it means.
What stands out
- Tangible Assets Ratio: Of every €100 the company owns, €100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. More tangible than 93% of companies in Germany.
- Tangible Net Worth Ratio: Of every €100 of net worth, €95 is tangible; the rest is goodwill and other intangibles, often from buying other companies. More tangible than 91% of companies in Germany.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 2/3Sales grew in 3 of the last 3 years; profit grew in 2 of 3.
Steadier than 82% of companies in Germany.
Growth Efficiency Ratio
€47Sales grew 24% in 3 years; of every extra €100 of sales, €47 became extra profit.
Higher than 76% of companies in Germany.
Asset Productivity Ratio
+24% / +24%In 3 years sales changed by +24% while total assets changed by +24%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
100%Of every €100 the company owns, €100 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 93% of companies in Germany.
Tangible Net Worth Ratio
95%Of every €100 of net worth, €95 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 91% of companies in Germany.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Commerzbank AG owes €0.94 for every €1 it owns. Net profit fell 2% in the year to Dec 2025, and grew 22% a year on average over 3 years.
Compared with companies in Germany · latest annual results Dec 2025.
P/E ratio
13.7Investors pay €13.7 for every €1 of Commerzbank AG's yearly profit, lower than 71% of companies in Germany.
P/B ratio
1.15The share price is 1.15 times Commerzbank AG's book value per share, lower than 78% of companies in Germany.
Market cap
€38.8 BThe total market value of all of Commerzbank AG's shares at today's price (share price × number of shares), larger than 51% of companies in Germany. PosiCap size class: Tito Cap.
Net worth (book value)
€33.8 BWhat Commerzbank AG would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
€31.24Net worth divided by the number of shares. The share price of €35.86 is 1.1 times this, which is the P/B above.
Return on equity (ROE)
9.7%Commerzbank AG earned 9.7% on its shareholders' money over the last year, lower than 51% of companies in Germany.
Owes vs Owns
0.94×Commerzbank AG owes €0.94 for every €1 it owns (high), higher than 93% of companies in Germany. Banks and lenders usually show higher figures.
Dividend yield
3.00%Commerzbank AG pays 3.00% of its share price as dividends a year, higher than 53% of dividend-paying companies in Germany.
Revenue growth
+5%Revenue rose 5% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Profit growth
-2%Net profit fell 2% in the year to Dec 2025, and grew 22% a year on average over 3 years.
Profit margin
20.3%Commerzbank AG keeps €20 of every €100 of revenue as net profit.
Questions
What is Commerzbank AG's P/E ratio?
Investors pay €13.7 for every €1 of Commerzbank AG's yearly profit, lower than 71% of companies in Germany.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Commerzbank AG: €38.8 B ÷ €33.8 B (30 Jun 2026) = 1.1.
What is Commerzbank AG's return on equity?
Commerzbank AG earned 9.7% on its shareholders' money over the last year, lower than 51% of companies in Germany.
How much does Commerzbank AG owe compared with what it owns?
Commerzbank AG owes €0.94 for every €1 it owns (high), higher than 93% of companies in Germany. Banks and lenders usually show higher figures.
Does Commerzbank AG pay a dividend?
Yes. Commerzbank AG pays 3.00% of its share price as dividends a year, higher than 53% of dividend-paying companies in Germany.
Is Commerzbank AG's revenue growing?
Revenue rose 5% in the year to Dec 2025, and grew 8% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.