Market Price

27.76 

-0.19 -0.7%

as of Oct 17 '19

52 Week Range:

22.98 29.30


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 provides various banking and financial products and services. The company's Australia division offers retail products and services to consumers through the branch network, mortgage specialists, contact centers, and third party brokers, as well as self-service channels, such as Internet banking, phone banking, ATMs, Website, and digital banking; and banking products and financial services, including asset financing to medium to large commercial customers, agribusiness customers, small business owners, high net worth individuals, and family groups. Its Institutional division provides working capital and liquidity solutions, which include documentary trade, supply chain financing, commodity financing, cash management solutions, deposits, payments, and clearing; loan syndication, specialized loan structuring and execution, project and export finance, debt structuring and acquisition finance, and corporate advisory services, as well as loan products; and risk management services on foreign exchange, interest rates, credit, commodities, and debt capital markets. The company's New Zealand division offers banking and wealth management services to consumer, and private banking and small business banking customers; and relationship banking and financial solutions to medium to large enterprises, and agricultural businesses. Its Wealth Australia division provides lenders mortgage insurance, share investing, financial planning, and general insurance distribution services. The company's Asia Retail & Pacific division offers general banking and wealth management services to retail customers; and products and services to retail customers, small to medium-sized enterprises, institutional customers, and governments. Australia and New Zealand Banking Group Limited has operations in Australia, the Asia Pacific, Europe, the Americas, and New Zealand. The company was founded in 1835 and is headquartered in Docklands, 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 '11 Sep '12 Sep '13 Sep '14 Sep '15 Oct '15 Sep '16 Oct '16 Sep '17 Oct '17 Sep '18
Equity (BVPS) 14.09
14.18
15.16
16.72
17.90
19.25
19.67
20.66
growth rate 0.6% 6.9% 10.3% 7.1% 3.7% 1.1% 2.5%
Earnings BIT 7,670.00
7,990.00
9,020.00
3,670.00
4,121.00
5,076.00
growth rate 4.2% 12.9% -25.9% 6.0% 11.0%
Avg.PE 9.82
12.03
13.72
13.99
10.58
12.17
13.63
13.63
11.46
growth rate 22.5% 14.1% 2.0% -24.4% 7.3% 5.8% 0.0% -15.9%
ROA 0.95
0.91
0.93
0.99
0.90
0.63
0.71
0.70
growth rate -4.2% 2.2% 6.5% -9.1% -16.3% 6.2% -0.7%
ROE 15.21
14.61
14.75
15.62
14.19
9.92
10.97
10.83
growth rate -3.9% 1.0% 5.9% -9.2% -16.4% 5.2% -0.6%
ROIC 14.49
12.82
10.63
14.70
growth rate -11.5% -17.1% 38.3%
Leverage 16.05
15.93
15.73
15.97
15.54
15.82
15.22
15.91
growth rate -0.8% -1.3% 1.5% -2.7% 0.9% -1.9% 2.2%
Balance Sheet Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Oct '15 Sep '16 Oct '16 Sep '17 Oct '17 Sep '18
Acct.Receivable 7,877.00
11,686.00
469.00
367.00
455.00
126.00
30.00
268.00
growth rate 48.4% -96.0% -21.8% 24.0% -47.4% -51.2% 198.9%
Acct.Payable 361,689.00
396,871.00
453,313.00
493,271.00
545,450.00
567,328.00
595,611.00
618,150.00
growth rate 9.7% 14.2% 8.8% 10.6% 2.0% 2.5% 1.9%
Cur.Assets 138,433.00
148,044.00
143,197.00
169,231.00
229,216.00
221,026.00
198,677.00
250,541.00
growth rate 6.9% -3.3% 18.2% 35.5% -1.8% -5.2% 12.3%
Total Assets 604,213.00
642,127.00
702,995.00
772,092.00
889,900.00
914,869.00
897,326.00
942,624.00
growth rate 6.3% 9.5% 9.8% 15.3% 1.4% -1.0% 2.5%
Cash 23,345.00
31,297.00
31,030.00
38,378.00
57,225.00
45,020.00
46,569.00
56,334.00
growth rate 34.1% -0.9% 23.7% 49.1% -11.3% 1.7% 10.0%
Cur.Liabilities 483,804.00
515,428.00
581,673.00
639,732.00
745,035.00
756,711.00
733,600.00
775,222.00
growth rate 6.5% 12.9% 10.0% 16.5% 0.8% -1.5% 2.8%
Liabilities 566,259.00
600,907.00
657,392.00
722,808.00
832,547.00
856,942.00
838,251.00
883,241.00
growth rate 6.1% 9.4% 10.0% 15.2% 1.5% -1.1% 2.7%
LT Debt 69,668.00
76,102.00
72,412.00
79,383.00
83,007.00
89,696.00
94,515.00
99,594.00
growth rate 9.2% -4.9% 9.6% 4.6% 4.0% 2.7% 2.7%
Equity 37,906.00
41,171.00
45,553.00
48,336.00
57,247.00
57,818.00
58,959.00
59,243.00
growth rate 8.6% 10.6% 6.1% 18.4% 0.5% 1.0% 0.2%
Common Shares 2,688.00
2,748.00
2,792.00
2,827.00
2,913.00
3,016.00
3,039.00
3,017.00
growth rate 2.2% 1.6% 1.3% 3.0% 1.8% 0.4% -0.4%
Cash Flow Statement Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Oct '15 Sep '16 Oct '16 Sep '17 Oct '17 Sep '18
Capital Expenditures 319.00
319.00
356.00
370.00
321.00
127.00
-156.00
growth rate 0.0% 11.6% 3.9% -13.2% -37.1% -100.0%
Cash Dividends 2,113.00
2,219.00
3,226.00
3,827.00
3,763.00
4,564.00
4,386.00
4,563.00
growth rate 5.0% 45.4% 18.6% -1.7% 10.1% -2.0% 2.0%
Cash From OA 18,801.00
6,361.00
16,167.00
5,643.00
21,476.00
-12,287.00
-6,857.00
-1,641.00
growth rate -66.2% 154.2% -65.1% 280.6% -100.0% 0.0% 0.0%
FCF per Share 6.88
8.38
10.40
-1.15
5.32
4.39
4.77
5.58
growth rate 21.8% 24.1% -100.0% 100.0% -9.2% 4.2% 8.2%
Sale Purchase of Stock 4.00
3,207.00
-126.00
759.00
growth rate 80,075.0% -100.0% 100.0%
FCF 18,482.00
6,097.00
17,250.00
5,273.00
21,155.00
10,504.00
23,972.00
10,566.00
growth rate -67.0% 182.9% -69.4% 301.2% -29.5% 51.1% -33.6%
Income Statement Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Oct '15 Sep '16 Oct '16 Sep '17 Oct '17 Sep '18
Sales 15,704.00
16,505.00
17,334.00
19,042.00
19,911.00
18,617.00
18,200.00
19,143.00
growth rate 5.1% 5.0% 9.9% 4.6% -3.3% -1.1% 2.6%
Op.Income 5,363.00
5,667.00
9,270.00
10,528.00
10,669.00
9,012.00
9,295.00
10,373.00
growth rate 5.7% 63.6% 13.6% 1.3% -8.1% 1.6% 5.6%
IBT 7,672.00
7,994.00
10,308.00
10,533.00
8,178.00
9,233.00
9,895.00
growth rate 4.2% 13.6% 2.2% -11.9% 6.3% 3.5%
Net Income 5,363.00
5,667.00
6,310.00
7,271.00
7,493.00
5,709.00
6,406.00
6,400.00
growth rate 5.7% 11.4% 15.2% 3.1% -12.7% 5.9% -0.1%
EPS 1.98
2.06
2.24
2.57
2.57
1.89
2.11
2.12
growth rate 4.0% 8.7% 14.7% 0.0% -14.2% 5.7% 0.2%
Gross Profit 15,704.00
16,505.00
17,334.00
19,042.00
19,911.00
18,617.00
18,200.00
19,143.00
growth rate 5.1% 5.0% 9.9% 4.6% -3.3% -1.1% 2.6%

Quarterly Statements

Item Name Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Balance Sheet
Acct.Receivable 15.00
268.00
268.00
500.00
500.00
growth rate 1,686.7% 0.0% 86.6% 0.0%
Acct.Payable 616,230.00
618,150.00
618,150.00
634,989.00
634,989.00
growth rate 0.3% 0.0% 2.7% 0.0%
Cur.Assets 260,466.00
250,541.00
250,541.00
277,122.00
277,122.00
growth rate -3.8% 0.0% 10.6% 0.0%
Total Assets 935,116.00
942,624.00
942,624.00
980,244.00
980,244.00
growth rate 0.8% 0.0% 4.0% 0.0%
Cash 82,071.00
56,334.00
56,334.00
93,996.00
93,996.00
growth rate -31.4% 0.0% 66.9% 0.0%
Cur.Liabilities 751,970.00
775,222.00
775,222.00
780,671.00
780,671.00
growth rate 3.1% 0.0% 0.7% 0.0%
Liabilities 875,616.00
883,241.00
883,241.00
920,273.00
920,273.00
growth rate 0.9% 0.0% 4.2% 0.0%
LT Debt 114,836.00
99,594.00
99,594.00
129,692.00
129,692.00
growth rate -13.3% 0.0% 30.2% 0.0%
Equity 59,374.00
59,243.00
59,243.00
59,821.00
59,821.00
growth rate -0.2% 0.0% 1.0% 0.0%
Common Shares 27,933.00
27,205.00
27,205.00
26,048.00
26,048.00
growth rate -2.6% 0.0% -4.3% 0.0%
Cash Flow Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Capital Expenditures
growth rate
Cash Dividends 1,052.00
1,229.50
1,229.50
1,121.00
1,121.00
growth rate 16.9% 0.0% -8.8% 0.0%
Cash From OA -2,936.00
2,115.50
2,115.50
-736.50
-736.50
growth rate 100.0% 0.0% -100.0% 0.0%
FCF
growth rate
Income Statement Mar '18 Jun '18 Sep '18 Dec '18 Mar '19
Sales 4,883.50
4,688.00
4,688.00
4,450.50
4,450.50
growth rate -4.0% 0.0% -5.1% 0.0%
Op.Income 2,717.00
2,469.50
2,469.50
2,293.50
2,293.50
growth rate -9.1% 0.0% -7.1% 0.0%
IBT 2,678.00
2,269.50
2,269.50
2,268.00
2,268.00
growth rate -15.3% 0.0% -0.1% 0.0%
Net Income 1,661.50
1,538.50
1,538.50
1,586.50
1,586.50
growth rate -7.4% 0.0% 3.1% 0.0%
EPS
growth rate
Gross Profit 4,883.50
4,688.00
4,688.00
4,450.50
4,450.50
growth rate -4.0% 0.0% -5.1% 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:

F (8.54)

YOY Growth Grade:

E (28.84)

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 13.10 13.23 11.13
EPS / Growth -1.7% 2.10 3.9%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 4.9%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 3.3% 3.3%
Future PE 2.00 10.25 10.25
Future EPS 2.32 2.89 2.89
Value Price
MOS %
1.15
-95.9%
7.33
-73.6%
7.33
-73.6%
MOS Price 0.57 3.66 3.66
IRT 12.37 10.87 10.87

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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