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Fundamental analysis: Comerica Incorporated (CMA)

Awarener score: 5.6

Conclusion

Note: All scores range from 1 (worst) to 10 (best). Conclusions are updated daily with closing stock prices and new reported quarterly financial statements.

Revenue score: 4.5

• Business has been shrinking. It's been below average when measured against peer companies.
• Comerica Incorporated business trend stability is run-of-the-mill. The higher the stability, the lower the risk. It looks slightly worse than rivals.

Margins score: 8.5

• CMA profit margins -on goods and services sold- are usually meagre. They stand somewhat worse than rival companies.
• Business profit on sales tends to be very good. It's below average when measured against competitors.
• Profits on sales made -available to repay debt and purchase properties- are usually excellent. They remain lacking compared to peers.
• Earnings -before income taxes and interests on loans taken- tend to be huge in relation to total revenues. They're still slightly worse than similar companies.
• Profits -before income taxes- are usually huge considering total sales, and remain encouraging in relation to rivals.
• Total net profit tends to be huge when confronted to sales. Company stands encouraging in relation to comparable firms.

Growth score: 5.3

• Comerica Incorporated profit -on goods and services sold- has been growing at an extremely fast pace. It's been impressive in relation to competitors.
• In recent years, earnings -on operations- have been growing at an extremely fast step, which has been better than most comparable firms.
• Profits growth -available to repay debt and purchase properties- have been almost stagnant, which compares below average when measured against peer enterprises.
• Earnings -before income taxes and interests on loans taken- have been growing at a very low tempo. It turns to be lacking compared to similar stocks.
• In past years, growth on profits -before income taxes- was almost stagnant. It was mediocre against rivals.
• In the previous years, growth on total net profit has been almost null, and weak when measured against peer companies.
• Earnings per share have grown at a very low rhythm in past years. It's been lacking compared to industry peers.

Miscellaneous score: 6.0

• CMA had to pay sparse income taxes in relation to profits made in the past years. It's been slightly worse than peers.
• The company does not report R&D expenses. It's meaningless to measure in relation to competitors.
• We have insufficient data to estimate how effective is research and development effort. It stands unknown against rival companies.

Profitability score: 7.2

• Comerica Incorporated usually gets sufficient returns on the resources it controls. It proves encouraging in relation to peer firms.
• The company normally gets very good proceeds -on the resources directly invested in the business-. They remain lacking compared to similar companies.
• There's usually excellent profitability -in relation to owned resources-. It ranks top tier when measured against competitors.
• In the past, got sufficient returns -on the tangible resources it controls-. This metric is usually related to the industry in which operates and combines profitability versus reinvestment needs. It's similar to comparable enterprises.

Usage of Funds score: 8.2

• CMA usually uses a slight portion of genuine funds generated to buy or replace property, plant, or equipment. The need for reinvestments is light. It stands similar to rival firms.
• The company is usually replacing most of the property, plant, and equipment that gets old, and saving a little funds for something else, which is below average when measured against industry peers.
• In the past twelve months it paid excellent dividends, considering the current stock price. It came better than most competitors.
• Dividend payments have been more or less stable in recent years. The company has behaved lacking compared to similar firms.
• Dividend payments usually represent a slight portion of genuine funds generation and are most likely safe. Sustainability looks slightly better than comparable companies.
• The company usually significantly reduces the pool of investors, resulting in fewer mouths feeding on the pie of profits. It remains excellent in relation to peer enterprises.
• Repurchase effectiveness metric is very complex. Run again in analytical mode if you're interested in a technical explanation. It stands excellent in relation to rivals.
• The company uses a slight portion of genuine fund generation to reward investors. The company is usually improving its financial position, and could most likely increase stockholder rewards if it wished to do so. It still looks almost average when measured against competitors.

Balance Sheet score: 5.8

• Comerica Incorporated has no intangible assets (like brands and goodwill) according to accounting books, which is safest. It happens to be top tier when measured against peer companies.
• The company has more than enough short-term resources to face short-term obligations. Liquidity concerns are non-significant. It turns to be in a weak position compared to similar firms.
• Roughly a tenth of resources controlled were provided for with financial debt. Creditors have minor claims on the company, and financial position is safe. It remains bottom tier against rival firms.
• Controlled resources might be turned into cash and equivalents neither fast nor too slow. Liquidity and risk might be run-of-the-mill. It looks great when measured against rivals.
• For every dollar of short-term obligations, the company has abundant dollars in cash and short-term receivables. It's in a weak position compared to peer firms.
• For every dollar of short-term obligations, the company has more than enough dollars in cash and equivalents, which is mediocre against similar enterprises.
• Usually, sales are on many months credit. It still ranks last-in-rank when measured against peers.
• Days of inventory outstanding are not known. It comes up as a big question mark against competitors.
• We could not gauge the normal operating cycle of the company. It happens to be a mystery against peers.
• Unfortunately, we had not enough data to estimate the days of payables outstanding. It ranks unknown against industry peers.
• Cash conversion cycle remains unknown, due to not having enough inputs. It's incomparable against similar companies.
• Company earns net interest income on its investments and therefore is in a quite comfortable financial position. It stands top-notch against rival firms.
• Business earnings have usually been very low when measured against loans taken. Even significantly cutting back reinvesting in the business, it could take more than ten years to repay the obligations with current profitability. It ranks substantially worse when measured against comparable enterprises.
• Revenues are very good in relation to property, plant, and equipment required to operate. This metric is likely dependent on the industry the company operates in. Low property, plant, and equipment requirements allows the company to keep more money to reward stockholders in the long run. It looks impressive in relation to similar firms.
• Resources exploitation is virtually zero, as the firm hardly reports any sales. It's still better than most peer companies.

Valuation score: 7.8

• Comerica Incorporated has an unknown adjusted Price-to-Earnings ratio, so we cannot comment on that. It happens to be a necessary comparison against competitors.
• Price-to-Tangible-Book-Value is a fairly complex metric. Run again in analytical mode if you're interested in a technical explanation. It remains a slight improvement compared to peers.
• There is insufficient information on the genuine funds generation capability showed in the past twelve months, which stands as an incognita in relation to similar companies.
• Unfortunately, lack of enough yearly data impaired our ability to estimate the normal earnings power. It's still an unknown variable to measure against industry firms.
• In the past twelve months, the company has slightly rewarded investors, considering both dividends and share on the pie of earnings. It came up a slight improvement compared to peer ventures.
• We are unsure on the relationship between net financial position and market capitalization of the stock. It looks we will not be able to reach a conclusion regarding similar enterprises.
• Considering the past twelve months, traditional Price-to-Earnings relation looks very cheap. Possible reasons are that the market might be betting current earnings will be hard to sustain through time, or that the company has very high fund needs, or a weak financial position, among others. If that isn't the case, the current stock price might be very attractive. It ranks top tier when measured against peer companies.
• Comparing the current stock price with the past twelve-months revenues gives a roughly two to one relationship. This is an important metric to check its evolution through time, and to compare to industry peers. It looks impressive in relation to rival firms.
• The relation between the stock price and accounting book value might be more than reasonable. It's important both to check this metric through time and to compare it with rival companies. The company remains slightly worse than peer firms.
• We could not gauge an alternative metric of earnings power of the past twelve months. It happens to be an interesting metric to relate to industry peers.
• An alternate metric on the usual genuine-funds generation ability could not be provided. It's still unknown against peer companies.

Total score: 6.7

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Awarener score: 5.6

Conclusion

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