Market Price

28.85 

-0.22 -0.8%

as of Nov 23 '17 23:59

52 Week Range:

27.19 32.95


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Australia and New Zealand Banking Group Limited, together with its subsidiaries, provides various banking and financial products and services to retail, high net worth, small business, corporate, commercial, and institutional customers. The company’s Australia division provides retail products and services to consumer and private banking customers in Australia through the branch network, mortgage specialists, the contact center, and various self-service channels, such as Internet banking, phone banking, ATMs, Website, and digital banking; and corporate and commercial banking services comprising asset financing through dedicated managers focusing on privately owned small, medium, and large enterprises, as well as the agricultural business segment. Its Institutional division provides working capital and liquidity solutions, including documentary trade, supply chain financing, cash management solutions, deposits, payments, and clearing; specialized loan structuring and execution, loan syndication, project and export finance, debt structuring and acquisition finance, structured asset finance, structured trade finance, and corporate advisory services; and risk management services on foreign exchange, interest rates, credit, commodities, debt capital markets, and wealth solutions. The company's New Zealand division offers retail and commercial banking and wealth management services to consumer, private banking, and small business customers. Its Wealth Australia division offers life, general, and mortgage insurance; and fund management services. The company's Asia Retail & Pacific division offers general banking and wealth management services; and products and services to retail customers, small to medium-sized enterprises, institutional customers, and governments. It operates in Australia, New Zealand, the Asia Pacific region, France, Germany, and the United States. The company was founded in 1835 and is headquartered in Melbourne, Australia.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Sep '06 Sep '07 Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16
Equity (BVPS) 9.58
10.73
12.55
12.57
12.98
14.09
14.18
15.16
16.72
17.90
19.25
growth rate 12.0% 17.0% 0.2% 3.3% 8.6% 0.6% 6.9% 10.3% 7.1% 7.5%
Earnings BIT 5,210.00
5,870.00
4,520.00
4,380.00
6,600.00
7,670.00
7,990.00
9,020.00
growth rate 12.7% -23.0% -3.1% 50.7% 16.2% 4.2% 12.9%
Avg.PE 13.85
13.61
11.56
18.83
13.57
9.82
12.03
13.72
13.99
10.58
12.17
growth rate -1.7% -15.1% 62.9% -27.9% -27.6% 22.5% 14.1% 2.0% -24.4% 15.0%
ROA 1.16
1.14
0.76
0.61
0.89
0.95
0.91
0.93
0.99
0.90
0.63
growth rate -1.7% -33.3% -19.7% 45.9% 6.7% -4.2% 2.2% 6.5% -9.1% -30.0%
ROE 20.00
20.64
14.00
10.19
13.91
15.21
14.61
14.75
15.62
14.19
9.92
growth rate 3.2% -32.2% -27.2% 36.5% 9.4% -3.9% 1.0% 5.9% -9.2% -30.1%
ROIC 14.40
17.03
18.23
10.28
11.49
14.49
12.82
10.63
14.70
growth rate 18.3% 7.1% -43.6% 11.8% 26.1% -11.5% -17.1% 38.3%
Leverage 17.67
18.57
18.39
15.15
16.01
16.05
15.93
15.73
15.97
15.54
15.82
growth rate 5.1% -1.0% -17.6% 5.7% 0.3% -0.8% -1.3% 1.5% -2.7% 1.8%
Balance Sheet Sep '06 Sep '07 Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16
Acct.Receivable 1,162.00
7,877.00
11,686.00
469.00
367.00
455.00
325.00
growth rate 577.9% 48.4% -96.0% -21.8% 24.0% -28.6%
Acct.Payable 298,075.00
361,689.00
396,871.00
453,313.00
493,271.00
545,450.00
566,847.00
growth rate 21.3% 9.7% 14.2% 8.8% 10.6% 3.9%
Cur.Assets 111,830.00
138,433.00
148,044.00
143,197.00
169,231.00
230,587.00
223,031.00
growth rate 23.8% 6.9% -3.3% 18.2% 36.3% -3.3%
Total Assets 471,024.00
476,987.00
531,739.00
604,213.00
642,127.00
702,995.00
772,092.00
889,900.00
914,869.00
growth rate 1.3% 11.5% 13.6% 6.3% 9.5% 9.8% 15.3% 2.8%
Cash 25,030.00
30,302.00
14,377.00
23,345.00
31,297.00
31,030.00
38,378.00
57,225.00
45,020.00
growth rate 21.1% -52.6% 62.4% 34.1% -0.9% 23.7% 49.1% -21.3%
Cur.Liabilities 396,091.00
483,804.00
515,428.00
581,673.00
639,732.00
745,035.00
761,327.00
growth rate 22.1% 6.5% 12.9% 10.0% 16.5% 2.2%
Liabilities 444,534.00
444,623.00
497,648.00
566,259.00
600,907.00
657,392.00
722,808.00
832,547.00
856,942.00
growth rate 0.0% 11.9% 13.8% 6.1% 9.4% 10.0% 15.2% 2.9%
LT Debt 61,180.00
66,860.00
81,589.00
2,009.00
95,024.00
69,668.00
76,102.00
72,412.00
79,383.00
83,007.00
91,214.00
growth rate 9.3% 22.0% -97.5% 4,629.9% -26.7% 9.2% -4.9% 9.6% 4.6% 9.9%
Equity 19,872.00
22,010.00
26,490.00
32,364.00
34,091.00
37,906.00
41,171.00
45,553.00
growth rate 10.8% 20.4% 22.2% 5.3% 11.2% 8.6% 10.6%
Common Shares 1,887.00
1,898.00
2,018.00
2,245.00
2,578.00
2,688.00
2,748.00
2,792.00
2,827.00
2,913.00
3,016.00
growth rate 0.6% 6.3% 11.3% 14.8% 4.3% 2.2% 1.6% 1.3% 3.0% 3.5%
Cash Flow Statement Sep '06 Sep '07 Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16
Capital Expenditures 250.00
409.00
461.00
682.00
317.00
319.00
319.00
356.00
370.00
321.00
337.00
growth rate 63.6% 12.7% 47.9% -53.5% 0.6% 0.0% 11.6% 3.9% -13.2% 5.0%
Cash Dividends 1,930.00
1,958.00
46.00
697.00
1,671.00
2,113.00
2,219.00
3,226.00
growth rate 1.5% -97.7% 1,415.2% 139.7% 26.5% 5.0% 45.4%
Cash From OA -5,155.00
-5,061.00
-210.00
-3,682.00
3,049.00
18,801.00
6,361.00
16,167.00
5,643.00
21,476.00
10,841.00
growth rate 0.0% 0.0% 0.0% 100.0% 516.6% -66.2% 154.2% -65.1% 280.6% -49.5%
FCF per Share 1.06
-4.45
-0.50
-1.96
1.06
6.88
8.38
10.40
-1.15
5.32
4.39
growth rate -100.0% 0.0% 0.0% 100.0% 549.1% 21.8% 24.1% -100.0% 100.0% -17.5%
FCF -5,405.00
-4,448.00
-1,001.00
-4,391.00
2,732.00
18,482.00
6,097.00
17,250.00
5,273.00
21,155.00
10,504.00
growth rate 0.0% 0.0% 0.0% 100.0% 576.5% -67.0% 182.9% -69.4% 301.2% -50.4%
Income Statement Sep '06 Sep '07 Sep '08 Sep '09 Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16
Sales 10,140.00
11,110.00
12,415.00
13,879.00
13,902.00
15,704.00
16,505.00
17,334.00
19,042.00
19,911.00
18,600.00
growth rate 9.6% 11.8% 11.8% 0.2% 13.0% 5.1% 5.0% 9.9% 4.6% -6.6%
Op.Income 10,467.00
4,380.00
4,501.00
5,363.00
5,667.00
9,270.00
10,528.00
10,669.00
9,122.00
growth rate -58.2% 2.8% 19.2% 5.7% 63.6% 13.6% 1.3% -14.5%
IBT 4,515.00
4,380.00
6,601.00
7,672.00
7,994.00
growth rate -3.0% 50.7% 16.2% 4.2%
Net Income 3,319.00
2,943.00
4,501.00
5,363.00
5,667.00
6,310.00
7,271.00
7,493.00
5,709.00
growth rate -11.3% 52.9% 19.2% 5.7% 11.4% 15.2% 3.1% -23.8%
EPS 1.94
2.18
1.62
1.30
1.74
1.98
2.06
2.24
2.57
2.57
1.89
growth rate 12.4% -25.7% -19.8% 33.9% 13.8% 4.0% 8.7% 14.7% 0.0% -26.5%
Gross Profit 13,902.00
15,704.00
16,505.00
17,334.00
19,042.00
19,911.00
18,600.00
growth rate 13.0% 5.1% 5.0% 9.9% 4.6% -6.6%

Quarterly Statements

Item Name Mar '16 Jun '16 Sep '16 Dec '16 Mar '17
Balance Sheet
Acct.Receivable 289.00
325.00
325.00
242.00
242.00
growth rate 12.5% 0.0% -25.5% 0.0%
Acct.Payable 554,293.00
566,847.00
566,847.00
581,407.00
581,407.00
growth rate 2.3% 0.0% 2.6% 0.0%
Cur.Assets 229,979.00
223,031.00
223,031.00
213,802.00
213,802.00
growth rate -3.0% 0.0% -4.1% 0.0%
Total Assets 895,278.00
914,869.00
914,869.00
896,511.00
896,511.00
growth rate 2.2% 0.0% -2.0% 0.0%
Cash 68,711.00
45,020.00
45,020.00
75,185.00
75,185.00
growth rate -34.5% 0.0% 67.0% 0.0%
Cur.Liabilities 691,846.00
761,327.00
761,327.00
682,960.00
682,960.00
growth rate 10.0% 0.0% -10.3% 0.0%
Liabilities 838,814.00
856,942.00
856,942.00
838,603.00
838,603.00
growth rate 2.2% 0.0% -2.1% 0.0%
LT Debt 101,070.00
91,214.00
91,214.00
109,075.00
109,075.00
growth rate -9.8% 0.0% 19.6% 0.0%
Equity
growth rate
Common Shares 28,765.00
28,765.00
29,036.00
29,036.00
growth rate 0.0% 0.9% 0.0%
Cash Flow Statement Mar '16 Jun '16 Sep '16 Dec '16 Mar '17
Capital Expenditures 93.00
76.00
76.00
59.00
59.00
growth rate -18.3% 0.0% -22.4% 0.0%
Cash Dividends
growth rate
Cash From OA 5,718.00
-297.00
-297.00
7,580.00
7,580.00
growth rate -100.0% 0.0% 100.0% 0.0%
FCF 5,625.00
-373.00
-373.00
7,521.00
7,521.00
growth rate -100.0% 0.0% 100.0% 0.0%
Income Statement Mar '16 Jun '16 Sep '16 Dec '16 Mar '17
Sales 4,681.00
4,620.00
4,620.00
4,639.00
4,639.00
growth rate -1.3% 0.0% 0.4% 0.0%
Op.Income 1,371.00
2,251.00
2,251.00
2,291.00
2,291.00
growth rate 64.2% 0.0% 1.8% 0.0%
IBT
growth rate
Net Income 1,371.00
1,486.00
1,486.00
1,456.00
1,456.00
growth rate 8.4% 0.0% -2.0% 0.0%
EPS
growth rate
Gross Profit 4,681.00
4,620.00
4,620.00
4,639.00
4,639.00
growth rate -1.3% 0.0% 0.4% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

D (34.86)

YOY Growth Grade:

D (41.51)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 14.90 14.68 12.00
EPS / Growth -1.7% 1.97 6.5%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 10.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 6.2% 6.2%
Future PE 2.00 13.07 13.07
Future EPS 2.17 3.57 3.57
Value Price
MOS %
1.07
-96.3%
11.53
-60.0%
11.53
-60.0%
MOS Price 0.54 5.76 5.76
IRT 13.64 10.31 10.31

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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