Market Price

27.66 

0.35 1.3%

as of May 17 '21

52 Week Range:

15.19 29.50


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 in Australia, New Zealand, the Asia Pacific, Europe, and the United States. Its Australia Retail and Commercial division offers various products and services to consumer customers through the branch network, mortgage specialists, contact centers, self-service channels, and third-party brokers, as well as financial planning services. It also provides asset financing for medium to large commercial customers, agribusiness customers, small business owners, high net worth individuals, and family groups. The company's Institutional division offers documentary trade, supply chain and commodity financing, cash management solutions, deposits, payments, and clearing services; loan syndication, 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. It serves governments, and global institutional and corporate customers. The company's New Zealand division provides banking and wealth management services to consumer, and private banking and small business banking customers through its Internet and app-based digital solutions, network of branches, mortgage specialists, relationship managers, and contact centers; and traditional relationship banking and financial solutions for medium to large enterprises, agricultural business segments, and government and government-related entities. Its Pacific division offers various products and services that include retail products, and traditional relationship banking and financial solutions. This division serves retail customers, small to medium-sized enterprises, institutional customers, and governments. Australia and New Zealand Banking Group Limited 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 '13 Sep '14 Sep '15 Oct '15 Sep '16 Oct '16 Sep '17 Oct '17 Sep '18 Sep '19 Sep '20
Equity (BVPS) 16.29
17.53
17.90
19.25
19.67
20.66
21.10
21.64
growth rate 7.6% 2.1% 3.7% 1.1% 2.5% 2.1% 2.6%
Earnings BIT 9,020.00
3,670.00
4,121.00
5,076.00
growth rate -25.9% 6.0% 11.0%
Avg.PE 13.72
13.99
10.58
12.17
13.63
13.63
11.46
13.31
17.44
growth rate 2.0% -24.4% 7.3% 5.8% 0.0% -15.9% 16.1% 31.0%
ROA 0.93
0.99
0.90
0.63
0.71
0.70
0.62
0.35
growth rate 6.5% -9.1% -16.3% 6.2% -0.7% -11.4% -43.6%
ROE 14.75
15.62
14.19
9.92
10.97
10.83
9.92
5.86
growth rate 5.9% -9.2% -16.4% 5.2% -0.6% -8.4% -40.9%
ROIC 10.63
14.70
growth rate 38.3%
Leverage 15.73
15.97
15.54
15.82
15.22
15.91
16.14
17.01
growth rate 1.5% -2.7% 0.9% -1.9% 2.2% 1.5% 5.4%
Balance Sheet Sep '13 Sep '14 Sep '15 Oct '15 Sep '16 Oct '16 Sep '17 Oct '17 Sep '18 Sep '19 Sep '20
Acct.Receivable 469.00
367.00
455.00
126.00
30.00
268.00
265.00
161.00
growth rate -21.8% 24.0% -47.4% -51.2% 198.9% -1.1% -39.3%
Acct.Payable 453,313.00
493,271.00
545,450.00
567,328.00
595,611.00
618,150.00
625,865.00
673,191.00
growth rate 8.8% 10.6% 2.0% 2.5% 1.9% 1.3% 7.6%
Cur.Assets 143,197.00
169,231.00
229,216.00
221,026.00
198,677.00
250,541.00
267,177.00
316,978.00
growth rate 18.2% 35.5% -1.8% -5.2% 12.3% 6.6% 18.6%
Total Assets 702,995.00
772,092.00
889,900.00
914,869.00
897,326.00
943,182.00
981,137.00
1,042,286.00
growth rate 9.8% 15.3% 1.4% -1.0% 2.5% 4.0% 6.2%
Cash 31,030.00
38,378.00
57,225.00
45,020.00
46,569.00
56,334.00
56,344.00
72,320.00
growth rate 23.7% 49.1% -11.3% 1.7% 10.0% 0.0% 28.4%
Cur.Liabilities 581,673.00
639,732.00
745,035.00
756,711.00
733,600.00
775,222.00
800,608.00
874,946.00
growth rate 10.0% 16.5% 0.8% -1.5% 2.8% 3.3% 9.3%
Liabilities 657,392.00
722,808.00
832,547.00
856,942.00
838,251.00
883,777.00
920,343.00
980,989.00
growth rate 10.0% 15.2% 1.5% -1.1% 2.7% 4.1% 6.6%
LT Debt 72,412.00
79,383.00
83,007.00
89,696.00
94,515.00
99,594.00
108,888.00
93,980.00
growth rate 9.6% 4.6% 4.0% 2.7% 2.7% 9.3% -13.7%
Equity 45,553.00
48,336.00
57,247.00
57,818.00
58,959.00
59,265.00
60,783.00
61,287.00
growth rate 6.1% 18.4% 0.5% 1.0% 0.3% 2.6% 0.8%
Common Shares 2,892.00
2,922.00
3,020.00
3,172.00
3,176.00
3,148.00
3,081.00
3,201.00
growth rate 1.0% 3.4% 2.5% 0.1% -0.4% -2.1% 3.9%
Cash Flow Statement Sep '13 Sep '14 Sep '15 Oct '15 Sep '16 Oct '16 Sep '17 Oct '17 Sep '18 Sep '19 Sep '20
Capital Expenditures 356.00
370.00
321.00
127.00
-156.00
growth rate 3.9% -13.2% -37.1% -100.0%
Cash Dividends 3,226.00
3,827.00
3,763.00
4,564.00
4,386.00
4,563.00
4,471.00
2,861.00
growth rate 18.6% -1.7% 10.1% -2.0% 2.0% -2.0% -36.0%
Cash From OA 16,167.00
5,643.00
21,476.00
-12,287.00
-6,857.00
-1,641.00
-11,556.00
409.00
growth rate -65.1% 280.6% -100.0% 0.0% 0.0% 0.0% 100.0%
FCF per Share 6.18
1.87
8.15
4.15
4.55
5.32
2.98
14.76
growth rate -69.7% 335.8% -28.6% 4.7% 8.1% -44.0% 395.3%
Sale Purchase of Stock 4.00
3,207.00
-126.00
759.00
growth rate 80,075.0% -100.0% 100.0%
FCF 17,250.00
5,273.00
21,155.00
10,504.00
23,972.00
10,566.00
-4,550.00
52,284.00
growth rate -69.4% 301.2% -29.5% 51.1% -33.6% -100.0% 100.0%
Income Statement Sep '13 Sep '14 Sep '15 Oct '15 Sep '16 Oct '16 Sep '17 Oct '17 Sep '18 Sep '19 Sep '20
Sales 17,334.00
19,042.00
19,911.00
18,617.00
18,200.00
19,296.00
17,991.00
14,899.00
growth rate 9.9% 4.6% -3.3% -1.1% 3.0% -6.8% -17.2%
Op.Income 9,270.00
10,528.00
10,669.00
9,012.00
9,295.00
10,373.00
8,997.00
5,951.00
growth rate 13.6% 1.3% -8.1% 1.6% 5.6% -13.3% -33.9%
IBT 10,308.00
10,533.00
8,178.00
9,233.00
9,895.00
8,920.00
5,516.00
growth rate 2.2% -11.9% 6.3% 3.5% -9.9% -38.2%
Net Income 6,310.00
7,271.00
7,493.00
5,709.00
6,406.00
6,400.00
5,953.00
3,577.00
growth rate 15.2% 3.1% -12.7% 5.9% -0.1% -7.0% -39.9%
EPS 2.26
2.57
2.57
1.89
2.11
2.12
2.02
1.18
growth rate 13.7% 0.0% -14.2% 5.7% 0.2% -4.7% -41.6%
Gross Profit 17,334.00
19,042.00
19,911.00
18,617.00
18,200.00
19,296.00
17,991.00
14,899.00
growth rate 9.9% 4.6% -3.3% -1.1% 3.0% -6.8% -17.2%

Quarterly Statements

Item Name Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Balance Sheet
Acct.Receivable 265.00
452.00
452.00
161.00
161.00
growth rate 70.6% 0.0% -64.4% 0.0%
Acct.Payable 625,865.00
705,135.00
705,135.00
673,191.00
673,191.00
growth rate 12.7% 0.0% -4.5% 0.0%
Cur.Assets 267,177.00
390,817.00
390,817.00
316,978.00
316,978.00
growth rate 46.3% 0.0% -18.9% 0.0%
Total Assets 981,137.00
1,149,955.00
1,149,955.00
1,042,286.00
1,042,286.00
growth rate 17.2% 0.0% -9.4% 0.0%
Cash 56,344.00
143,093.00
143,093.00
72,320.00
72,320.00
growth rate 154.0% 0.0% -49.5% 0.0%
Cur.Liabilities 800,608.00
934,294.00
934,294.00
874,946.00
874,946.00
growth rate 16.7% 0.0% -6.4% 0.0%
Liabilities 920,343.00
1,088,580.00
1,088,580.00
980,989.00
980,989.00
growth rate 18.3% 0.0% -9.9% 0.0%
LT Debt 108,888.00
140,248.00
140,248.00
93,980.00
93,980.00
growth rate 28.8% 0.0% -33.0% 0.0%
Equity 60,783.00
61,364.00
61,364.00
61,287.00
61,287.00
growth rate 1.0% 0.0% -0.1% 0.0%
Common Shares 26,490.00
26,440.00
26,440.00
26,531.00
26,531.00
growth rate -0.2% 0.0% 0.3% 0.0%
Cash Flow Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Capital Expenditures
growth rate
Cash Dividends 1,114.50
1,114.00
1,114.00
316.50
316.50
growth rate 0.0% 0.0% -71.6% 0.0%
Cash From OA -5,041.50
-6,428.00
-6,428.00
6,632.50
6,632.50
growth rate 0.0% 0.0% 100.0% 0.0%
FCF
growth rate
Income Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Sales 4,545.00
3,609.00
3,609.00
3,840.50
3,840.50
growth rate -20.6% 0.0% 6.4% 0.0%
Op.Income 2,205.00
1,359.50
1,359.50
1,616.00
1,616.00
growth rate -38.3% 0.0% 18.9% 0.0%
IBT 2,192.00
1,307.00
1,307.00
1,451.00
1,451.00
growth rate -40.4% 0.0% 11.0% 0.0%
Net Income 1,390.00
772.50
772.50
1,016.00
1,016.00
growth rate -44.4% 0.0% 31.5% 0.0%
EPS
growth rate
Gross Profit 4,545.00
3,609.00
3,609.00
3,840.50
3,840.50
growth rate -20.6% 0.0% 6.4% 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:

F (14.88)

YOY Growth Grade:

F (14.62)

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 23.24 23.44 11.33
EPS / Growth -1.7% 1.18 7.4%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 3.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 2.1% 2.1%
Future PE 2.00 12.91 12.91
Future EPS 1.30 1.45 1.45
Value Price
MOS %
0.64
-97.7%
4.63
-83.3%
4.63
-83.3%
MOS Price 0.32 2.31 2.31
IRT 20.97 18.97 18.97

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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