CLSA cuts Commonwealth Bank stock rating to underperform

Published 12/02/2025, 14:42
CLSA cuts Commonwealth Bank stock rating to underperform

On Wednesday, Commonwealth Bank of Australia (OTC:CMWAY)’s stock rating was downgraded by CLSA from ’Hold’ to ’Underperform’. Alongside the downgrade, the price target was raised to AUD142.00 from AUD131.30. According to InvestingPro data, the bank’s stock is trading near its 52-week high with a market capitalization of $105.83 billion, and current analysis suggests the stock is overvalued. The bank’s recent financial results showed a continuing cash net profit after tax (NPAT) of A$5,132, which was slightly higher than anticipated. This performance included a modest underlying margin improvement, lower trading income, and higher expenses due to increased spending in line with revenue growth, coupled with a lower than expected impairment expense. InvestingPro analysis reveals the bank has maintained dividend payments for 33 consecutive years, currently offering a 3.32% yield, with 8 additional ProTips available to subscribers.

In response to these results, CLSA has made minor adjustments to its earnings per share (EPS) forecasts for the bank, with an increase of 1.5% for FY25 and a decrease of 0.2% for FY26. The analysts at CLSA noted that while Commonwealth Bank appears to be in control of its own destiny, the valuation at 3.7 times price-to-book (P/B) raises questions that require a catalyst for change. This is particularly pressing as the market anticipates potential interest rate cuts, which could present further challenges for the bank and the sector overall. The stock currently trades at a P/E ratio of 17.91, with detailed valuation metrics available through InvestingPro’s comprehensive analysis tools.

The report also acknowledged the strong performance of the bank’s share price but indicated that the potential upcoming headwinds warrant a more cautious approach, leading to the recommendation revision. CLSA did not rule out the possibility of a market shift towards resources, but clarified that this is not the primary expectation. The new price target of AUD142.00 reflects adjustments to both earnings and the target multiple.

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