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CM vs. XP: A Head-to-Head Stock Comparison

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Here’s a clear look at CM and XP, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

SymbolCMXP
Company NameCanadian Imperial Bank of CommerceXP Inc.
CountryCanadaCayman Islands
GICS SectorFinancialsFinancials
GICS IndustryBanksCapital Markets
Market Capitalization68.58 billion USD9.22 billion USD
ExchangeNYSENasdaqGS
Listing DateNovember 13, 1997December 11, 2019
Security TypeCommon StockCommon Stock

Historical Performance

This chart compares the performance of CM and XP by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.

CM vs. XP: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

SymbolCMXP
5-Day Price Return1.54%0.87%
13-Week Price Return13.88%-2.29%
26-Week Price Return14.12%23.60%
52-Week Price Return44.54%-3.00%
Month-to-Date Return1.72%8.36%
Year-to-Date Return10.78%47.59%
10-Day Avg. Volume2.26M4.79M
3-Month Avg. Volume3.41M6.52M
3-Month Volatility10.04%28.74%
Beta0.601.10

Profitability

Return on Equity (TTM)

CM

13.07%

Banks Industry

Max
26.37%
Q3
15.92%
Median
12.25%
Q1
8.69%
Min
0.15%

CM’s Return on Equity of 13.07% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

XP

22.91%

Capital Markets Industry

Max
38.97%
Q3
21.61%
Median
13.77%
Q1
8.31%
Min
-4.25%

In the upper quartile for the Capital Markets industry, XP’s Return on Equity of 22.91% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.

CM vs. XP: A comparison of their Return on Equity (TTM) against their respective Banks and Capital Markets industry benchmarks.

Net Profit Margin (TTM)

CM

20.71%

Banks Industry

Max
54.20%
Q3
35.70%
Median
28.97%
Q1
22.53%
Min
6.98%

Falling into the lower quartile for the Banks industry, CM’s Net Profit Margin of 20.71% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

XP

27.24%

Capital Markets Industry

Max
66.67%
Q3
35.11%
Median
23.49%
Q1
13.63%
Min
-15.18%

XP’s Net Profit Margin of 27.24% is aligned with the median group of its peers in the Capital Markets industry. This indicates its ability to convert revenue into profit is typical for the sector.

CM vs. XP: A comparison of their Net Profit Margin (TTM) against their respective Banks and Capital Markets industry benchmarks.

Operating Profit Margin (TTM)

CM

28.73%

Banks Industry

Max
63.35%
Q3
44.59%
Median
37.24%
Q1
28.25%
Min
13.37%

CM’s Operating Profit Margin of 28.73% is around the midpoint for the Banks industry, indicating that its efficiency in managing core business operations is typical for the sector.

XP

33.99%

Capital Markets Industry

Max
86.40%
Q3
46.46%
Median
32.80%
Q1
18.32%
Min
-21.87%

XP’s Operating Profit Margin of 33.99% is around the midpoint for the Capital Markets industry, indicating that its efficiency in managing core business operations is typical for the sector.

CM vs. XP: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Capital Markets industry benchmarks.

Profitability at a Glance

SymbolCMXP
Return on Equity (TTM)13.07%22.91%
Return on Assets (TTM)0.74%1.44%
Net Profit Margin (TTM)20.71%27.24%
Operating Profit Margin (TTM)28.73%33.99%
Gross Profit Margin (TTM)----

Financial Strength

Current Ratio (MRQ)

CM

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

XP

0.18

Capital Markets Industry

Max
3.76
Q3
1.89
Median
1.01
Q1
0.54
Min
-0.41

For the Capital Markets industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

CM vs. XP: A comparison of their Current Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Debt-to-Equity Ratio (MRQ)

CM

2.74

Banks Industry

Max
4.75
Q3
2.62
Median
1.02
Q1
0.39
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

XP

3.88

Capital Markets Industry

Max
6.62
Q3
2.84
Median
1.02
Q1
0.32
Min
0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Capital Markets industry.

CM vs. XP: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Interest Coverage Ratio (TTM)

CM

--

Banks Industry

Max
--
Q3
--
Median
--
Q1
--
Min
--

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

XP

7.81

Capital Markets Industry

Max
126.03
Q3
60.98
Median
11.77
Q1
4.95
Min
-36.26

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Capital Markets industry.

CM vs. XP: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Financial Strength at a Glance

SymbolCMXP
Current Ratio (MRQ)--0.18
Quick Ratio (MRQ)--0.12
Debt-to-Equity Ratio (MRQ)2.743.88
Interest Coverage Ratio (TTM)--7.81

Growth

Revenue Growth

CM vs. XP: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

CM vs. XP: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

CM

3.97%

Banks Industry

Max
10.27%
Q3
5.83%
Median
3.81%
Q1
2.50%
Min
0.00%

CM’s Dividend Yield of 3.97% is consistent with its peers in the Banks industry, providing a dividend return that is standard for its sector.

XP

7.71%

Capital Markets Industry

Max
10.26%
Q3
4.86%
Median
2.78%
Q1
1.22%
Min
0.00%

With a Dividend Yield of 7.71%, XP offers a more attractive income stream than most of its peers in the Capital Markets industry, signaling a strong commitment to shareholder returns.

CM vs. XP: A comparison of their Dividend Yield (TTM) against their respective Banks and Capital Markets industry benchmarks.

Dividend Payout Ratio (TTM)

CM

47.73%

Banks Industry

Max
147.07%
Q3
80.55%
Median
54.40%
Q1
35.71%
Min
0.00%

CM’s Dividend Payout Ratio of 47.73% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

XP

172.60%

Capital Markets Industry

Max
200.72%
Q3
101.92%
Median
57.97%
Q1
32.36%
Min
0.00%

XP’s Dividend Payout Ratio of 172.60% is in the upper quartile for the Capital Markets industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.

CM vs. XP: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Dividend at a Glance

SymbolCMXP
Dividend Yield (TTM)3.97%7.71%
Dividend Payout Ratio (TTM)47.73%172.60%

Valuation

Price-to-Earnings Ratio (TTM)

CM

12.03

Banks Industry

Max
20.05
Q3
12.65
Median
10.21
Q1
7.54
Min
2.74

CM’s P/E Ratio of 12.03 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

XP

9.74

Capital Markets Industry

Max
58.89
Q3
31.00
Median
18.54
Q1
12.09
Min
5.24

In the lower quartile for the Capital Markets industry, XP’s P/E Ratio of 9.74 suggests the stock may be undervalued compared to its peers, potentially presenting an attractive entry point for investors.

CM vs. XP: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Price-to-Sales Ratio (TTM)

CM

2.17

Banks Industry

Max
5.06
Q3
2.98
Median
2.24
Q1
1.59
Min
0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

XP

2.65

Capital Markets Industry

Max
14.49
Q3
7.41
Median
4.68
Q1
2.25
Min
0.04

XP’s P/S Ratio of 2.65 aligns with the market consensus for the Capital Markets industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.

CM vs. XP: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Capital Markets industry benchmarks.

Price-to-Book Ratio (MRQ)

CM

1.32

Banks Industry

Max
2.18
Q3
1.36
Median
1.09
Q1
0.81
Min
0.20

CM’s P/B Ratio of 1.32 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

XP

1.91

Capital Markets Industry

Max
9.48
Q3
4.94
Median
2.42
Q1
1.21
Min
0.38

XP’s P/B Ratio of 1.91 is within the conventional range for the Capital Markets industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.

CM vs. XP: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Capital Markets industry benchmarks.

Valuation at a Glance

SymbolCMXP
Price-to-Earnings Ratio (TTM)12.039.74
Price-to-Sales Ratio (TTM)2.172.65
Price-to-Book Ratio (MRQ)1.321.91
Price-to-Free Cash Flow Ratio (TTM)3.953.23