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Commerzbank AG (CRZBY)
OTHER OTC:CRZBY
Earnings Data
Report Date
May 08, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
0.93Last Year’s EPS
0.82Same Quarter Last Year
Based on 0 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call conveyed a clearly positive operational and financial momentum: strong revenue growth (+10%), a record operating result (+18%), improved profitability (RoTE 10% before restructuring), and an enhanced capital return program. Management upgraded 2026 guidance (NII to EUR 8.5bn, net result > EUR 3.2bn, RoTE >11.2%) and reiterated a credible roadmap to 2028 targets. Headwinds remain — notably lower Polish rates impacting mBank NII, legacy FX mortgage provisions, Aquila impairments, and deposit competition (beta rising to ~42%) — but these were presented as manageable and largely addressed through capital, cost discipline and strategic actions (AI investments, replication portfolio expansion, RWA management). Overall, positive achievements significantly outweigh the highlighted challenges.Company Guidance
Record Operating Result and Strong Profitability
Operating result of EUR 4.5 billion in 2025, up 18% year-on-year; return on tangible equity (RoTE) before restructuring expenses reached 10% (highest since the global financial crisis).
Revenue Growth Across the Bank
Total revenues increased by 10% to EUR 12.2 billion in 2025; Q4 revenues were up 6% year-on-year; net commission income grew 7% and reached a record fourth-quarter level.
Capital Return and Shareholder Returns
Capital return for 2025 of EUR 2.7 billion (EUR 200 million above prior plan) representing a 100% payout ratio before restructuring and a 7% yield based on start-of-year market cap; additional buyback up to EUR 540 million announced (on top of EUR 1.0 billion completed in December) and proposed dividend increase to EUR 1.10.
Strong Business Momentum and Client Metrics
Corporate loan volumes grew 10% and securities volume grew 9% in 2025; Corporate Clients delivered EUR 10.9 billion loan growth for the year (EUR 2.4 billion in Q4); mBank maintained profitability despite headwinds.
Cost Discipline and Efficiency Progress
Cost/income ratio improved by 2 percentage points to 57% in 2025 (target achieved); excluding certain one-offs, costs rose only ~3%; 2026 target cost/income ratio improved to 54%.
Upgraded 2026 Financial Outlook
2026 guidance upgraded: net result target above EUR 3.2 billion, net interest income (NII) guidance increased to around EUR 8.5 billion, RoTE target >11.2%, and continued 100% payout policy after AT1 coupons.
AI and Transformation Investment
Change budget increased from EUR 500 million to almost EUR 600 million for 2026 with a higher share allocated to AI; multiple deployed GenAI/use-case examples (agent assist, cobaGPT, Fraud AI, Ava) with expected efficiency and revenue benefits.
Asset Management Scale
In-house asset management and specialist units manage EUR 67 billion; partner funds and ETFs total EUR 95 billion, supporting fee income growth and the target of 7% annual growth in net commission income.
Strong Market Recognition and Employee Alignment
Share price more than doubled in 2025 reflecting market confidence; employee share program launched with ~90% participation, aligning staff with shareholder outcomes.
Balance Sheet and Capital Stability
CET1 ratio stable at 14.7% at year-end; SREP capital requirement slightly lowered (10 bps), and RWA management measures (SRTs) delivered ~EUR 9 billion RWA relief in Q4.
CRZBY Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
CRZBY Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 11, 2026 | $42.01 | $40.97 | -2.47% |
Nov 06, 2025 | $37.35 | $36.80 | -1.48% |
Aug 06, 2025 | $36.32 | $36.93 | +1.68% |
May 09, 2025 | $26.91 | $28.07 | +4.28% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Commerzbank AG (CRZBY) report earnings?
Commerzbank AG (CRZBY) is schdueled to report earning on May 08, 2026, TBA (Confirmed).
What is Commerzbank AG (CRZBY) earnings time?
Commerzbank AG (CRZBY) earnings time is at May 08, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is CRZBY EPS forecast?
CRZBY EPS forecast for the fiscal quarter 2026 (Q1) is 0.93.