CM vs. HDB: Cdn Imperial Bank of Commerce vs. HDFC Bank Stock Comparison

Company Profile

Cdn Imperial Bank of Commerce (CM) and HDFC Bank (HDB) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Cdn Imperial Bank of Commerce (CM) trades as ordinary local shares, while HDFC Bank (HDB) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Cdn Imperial Bank of Commerce (CM) at 15.58% sits in the top ROE quartile, while HDFC Bank (HDB) at 11.01% is closer to the peer norm — stronger capital efficiency for CM.

Cdn Imperial Bank of Commerce (CM) at 33.74% keeps about the industry-typical share of revenue as profit, while HDFC Bank (HDB) at 26.53% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Cdn Imperial Bank of Commerce (CM) in Banks and HDFC Bank (HDB) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Cdn Imperial Bank of Commerce (CM) at 13.66% is around its peer norm for revenue growth, while HDFC Bank (HDB) at 5.23% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Only one side can be read here: Cdn Imperial Bank of Commerce (CM) reports EPS growth of 17.72%, ranked against its industry; HDFC Bank (HDB) has no EPS growth figure this period.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Cdn Imperial Bank of Commerce (CM) in Banks and HDFC Bank (HDB) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Cdn Imperial Bank of Commerce (CM) in Banks and HDFC Bank (HDB) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Cdn Imperial Bank of Commerce (CM) at 3.62% earns its spot in the top quartile of its industry’s yields; HDFC Bank (HDB) at 52.63% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

Both Cdn Imperial Bank of Commerce (CM) at 40.12% and HDFC Bank (HDB) at 23.43% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

Both Cdn Imperial Bank of Commerce (CM) at 15.32 and HDFC Bank (HDB) at 16.22 sit in the richer earnings-multiple quartile for P/E ratio, so investors are paying more for TTM earnings than they pay for typical peers.

P/S ratio is set aside for both Cdn Imperial Bank of Commerce (CM) in Banks and HDFC Bank (HDB) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Both look rich against book: Cdn Imperial Bank of Commerce (CM) at 2.24 sits in the upper P/B ratio quartile, and HDFC Bank (HDB) at 10.01 prices even higher, above its industry range.

Valuation Metrics