British American Tobacco p.l.c. (BTI)vsCanadian Imperial Bank Of Commerce (CM)
BTI
British American Tobacco p.l.c.
$62.92
-3.04%
CONSUMER DEFENSIVE · Cap: $141.36B
CM
Canadian Imperial Bank Of Commerce
$108.74
-0.69%
FINANCIAL SERVICES · Cap: $106.24B
Smart Verdict
WallStSmart Research — data-driven comparison
Canadian Imperial Bank Of Commerce generates 9% more annual revenue ($27.91B vs $25.61B). CM leads profitability with a 33.5% profit margin vs 30.3%. BTI appears more attractively valued with a PEG of 1.49. CM earns a higher WallStSmart Score of 73/100 (B).
BTI
Buy62
out of 100
Grade: C+
CM
Strong Buy73
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+20.4%
Fair Value
$75.98
Current Price
$62.92
$13.06 discount
Intrinsic value data unavailable for CM.
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 34.6%
Large-cap with strong market position
Every $100 of equity generates 23 in profit
Attractively priced relative to earnings
Generating 3.0B in free cash flow
Keeps 34 of every $100 in revenue as profit
Strong operational efficiency at 44.7%
Large-cap with strong market position
Attractively priced relative to earnings
Reasonable price relative to book value
16.7% revenue growth
Areas to Watch
Trading at 10.9x book value
0.1% revenue growth
1.6% earnings growth
Distress zone — elevated risk
Expensive relative to growth rate
Negative free cash flow — burning cash
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : BTI
The strongest argument for BTI centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 30.3% and operating margin at 34.6%. PEG of 1.49 suggests the stock is reasonably priced for its growth.
Bull Case : CM
The strongest argument for CM centers on Profit Margin, Operating Margin, Market Cap. Profitability is solid with margins at 33.5% and operating margin at 44.7%. Revenue growth of 16.7% demonstrates continued momentum.
Bear Case : BTI
The primary concerns for BTI are Price/Book, Revenue Growth, EPS Growth.
Bear Case : CM
The primary concerns for CM are PEG Ratio, Free Cash Flow, Altman Z-Score. Debt-to-equity of 2.66 is elevated, increasing financial risk.
Key Dynamics to Monitor
BTI profiles as a value stock while CM is a growth play — different risk/reward profiles.
CM carries more volatility with a beta of 1.30 — expect wider price swings.
CM is growing revenue faster at 16.7% — sustainability is the question.
BTI generates stronger free cash flow (3.0B), providing more financial flexibility.
Bottom Line
CM scores higher overall (73/100 vs 62/100), backed by strong 33.5% margins and 16.7% revenue growth. BTI offers better value entry with a 20.4% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
British American Tobacco p.l.c.
CONSUMER DEFENSIVE · TOBACCO · USA
British American Tobacco plc offers tobacco and nicotine products to consumers around the world. The company is headquartered in London, the United Kingdom.
Canadian Imperial Bank Of Commerce
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Canadian Imperial Bank of Commerce, a diversified financial institution, offers a variety of financial products and services to personal, commercial, public sector, and institutional clients in Canada, the United States, and internationally. The company is headquartered in Toronto, Canada.
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