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Market Price

19.50 

-0.18 -0.9%

as of Oct 26 '20

52 Week Range:

14.10 28.10


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 Americas. The company's 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 offers financial planning services. It also provides banking products and financial services, including 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 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. It serves governments, global institutional, and corporate customers. The company's New Zealand division offers 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, and agricultural businesses. Its Pacific division offers various products and services that include retail products, and traditional relationship banking and sophisticated financial solutions. This division serves retail customers, small to medium-sized enterprises, institutional customers, and governments. The company was founded in 1835 and is based 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 '12 Sep '13 Sep '14 Sep '15 Oct '15 Sep '16 Oct '16 Sep '17 Oct '17 Sep '18 Sep '19
Equity (BVPS) 14.18
15.16
16.72
17.90
19.25
19.67
20.66
21.10
growth rate 6.9% 10.3% 7.1% 3.7% 1.1% 2.5% 2.1%
Earnings BIT 7,990.00
9,020.00
3,670.00
4,121.00
5,076.00
growth rate 12.9% -25.9% 6.0% 11.0%
Avg.PE 12.03
13.72
13.99
10.58
12.17
13.63
13.63
11.46
13.31
growth rate 14.1% 2.0% -24.4% 7.3% 5.8% 0.0% -15.9% 16.1%
ROA 0.91
0.93
0.99
0.90
0.63
0.71
0.70
0.62
growth rate 2.2% 6.5% -9.1% -16.3% 6.2% -0.7% -11.4%
ROE 14.61
14.75
15.62
14.19
9.92
10.97
10.83
9.92
growth rate 1.0% 5.9% -9.2% -16.4% 5.2% -0.6% -8.4%
ROIC 12.82
10.63
14.70
growth rate -17.1% 38.3%
Leverage 15.93
15.73
15.97
15.54
15.82
15.22
15.91
16.14
growth rate -1.3% 1.5% -2.7% 0.9% -1.9% 2.2% 1.5%
Balance Sheet Sep '12 Sep '13 Sep '14 Sep '15 Oct '15 Sep '16 Oct '16 Sep '17 Oct '17 Sep '18 Sep '19
Acct.Receivable 11,686.00
469.00
367.00
455.00
126.00
30.00
268.00
265.00
growth rate -96.0% -21.8% 24.0% -47.4% -51.2% 198.9% -1.1%
Acct.Payable 396,871.00
453,313.00
493,271.00
545,450.00
567,328.00
595,611.00
618,150.00
625,865.00
growth rate 14.2% 8.8% 10.6% 2.0% 2.5% 1.9% 1.3%
Cur.Assets 148,044.00
143,197.00
169,231.00
229,216.00
221,026.00
198,677.00
250,541.00
267,177.00
growth rate -3.3% 18.2% 35.5% -1.8% -5.2% 12.3% 6.6%
Total Assets 642,127.00
702,995.00
772,092.00
889,900.00
914,869.00
897,326.00
943,182.00
981,137.00
growth rate 9.5% 9.8% 15.3% 1.4% -1.0% 2.5% 4.0%
Cash 31,297.00
31,030.00
38,378.00
57,225.00
45,020.00
46,569.00
56,334.00
56,344.00
growth rate -0.9% 23.7% 49.1% -11.3% 1.7% 10.0% 0.0%
Cur.Liabilities 515,428.00
581,673.00
639,732.00
745,035.00
756,711.00
733,600.00
775,222.00
800,608.00
growth rate 12.9% 10.0% 16.5% 0.8% -1.5% 2.8% 3.3%
Liabilities 600,907.00
657,392.00
722,808.00
832,547.00
856,942.00
838,251.00
883,777.00
920,343.00
growth rate 9.4% 10.0% 15.2% 1.5% -1.1% 2.7% 4.1%
LT Debt 76,102.00
72,412.00
79,383.00
83,007.00
89,696.00
94,515.00
99,594.00
108,888.00
growth rate -4.9% 9.6% 4.6% 4.0% 2.7% 2.7% 9.3%
Equity 41,171.00
45,553.00
48,336.00
57,247.00
57,818.00
58,959.00
59,265.00
60,783.00
growth rate 10.6% 6.1% 18.4% 0.5% 1.0% 0.3% 2.6%
Common Shares 2,748.00
2,792.00
2,827.00
2,913.00
3,016.00
3,039.00
3,017.00
2,948.00
growth rate 1.6% 1.3% 3.0% 1.8% 0.4% -0.4% -2.3%
Cash Flow Statement Sep '12 Sep '13 Sep '14 Sep '15 Oct '15 Sep '16 Oct '16 Sep '17 Oct '17 Sep '18 Sep '19
Capital Expenditures 319.00
356.00
370.00
321.00
127.00
-156.00
growth rate 11.6% 3.9% -13.2% -37.1% -100.0%
Cash Dividends 2,219.00
3,226.00
3,827.00
3,763.00
4,564.00
4,386.00
4,563.00
4,471.00
growth rate 45.4% 18.6% -1.7% 10.1% -2.0% 2.0% -2.0%
Cash From OA 6,361.00
16,167.00
5,643.00
21,476.00
-12,287.00
-6,857.00
-1,641.00
-11,556.00
growth rate 154.2% -65.1% 280.6% -100.0% 0.0% 0.0% 0.0%
FCF per Share 8.38
10.40
-1.15
5.32
4.39
4.77
5.58
3.36
growth rate 24.1% -100.0% 100.0% -9.2% 4.2% 8.2% -39.8%
Sale Purchase of Stock 4.00
3,207.00
-126.00
759.00
growth rate 80,075.0% -100.0% 100.0%
FCF 6,097.00
17,250.00
5,273.00
21,155.00
10,504.00
23,972.00
10,566.00
-4,550.00
growth rate 182.9% -69.4% 301.2% -29.5% 51.1% -33.6% -100.0%
Income Statement Sep '12 Sep '13 Sep '14 Sep '15 Oct '15 Sep '16 Oct '16 Sep '17 Oct '17 Sep '18 Sep '19
Sales 16,505.00
17,334.00
19,042.00
19,911.00
18,617.00
18,200.00
19,296.00
17,991.00
growth rate 5.0% 9.9% 4.6% -3.3% -1.1% 3.0% -6.8%
Op.Income 5,667.00
9,270.00
10,528.00
10,669.00
9,012.00
9,295.00
10,373.00
8,997.00
growth rate 63.6% 13.6% 1.3% -8.1% 1.6% 5.6% -13.3%
IBT 7,994.00
10,308.00
10,533.00
8,178.00
9,233.00
9,895.00
8,920.00
growth rate 13.6% 2.2% -11.9% 6.3% 3.5% -9.9%
Net Income 5,667.00
6,310.00
7,271.00
7,493.00
5,709.00
6,406.00
6,400.00
5,953.00
growth rate 11.4% 15.2% 3.1% -12.7% 5.9% -0.1% -7.0%
EPS 2.06
2.24
2.57
2.57
1.89
2.11
2.12
2.02
growth rate 8.7% 14.7% 0.0% -14.2% 5.7% 0.2% -4.7%
Gross Profit 16,505.00
17,334.00
19,042.00
19,911.00
18,617.00
18,200.00
19,296.00
17,991.00
growth rate 5.0% 9.9% 4.6% -3.3% -1.1% 3.0% -6.8%

Quarterly Statements

Item Name Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Balance Sheet
Acct.Receivable 500.00
265.00
265.00
452.00
452.00
growth rate -47.0% 0.0% 70.6% 0.0%
Acct.Payable 634,989.00
625,865.00
625,865.00
705,135.00
705,135.00
growth rate -1.4% 0.0% 12.7% 0.0%
Cur.Assets 277,122.00
267,177.00
267,177.00
390,817.00
390,817.00
growth rate -3.6% 0.0% 46.3% 0.0%
Total Assets 980,244.00
981,137.00
981,137.00
1,149,955.00
1,149,955.00
growth rate 0.1% 0.0% 17.2% 0.0%
Cash 93,996.00
56,344.00
56,344.00
143,093.00
143,093.00
growth rate -40.1% 0.0% 154.0% 0.0%
Cur.Liabilities 780,671.00
800,608.00
800,608.00
934,294.00
934,294.00
growth rate 2.6% 0.0% 16.7% 0.0%
Liabilities 920,273.00
920,343.00
920,343.00
1,088,580.00
1,088,580.00
growth rate 0.0% 0.0% 18.3% 0.0%
LT Debt 129,692.00
108,888.00
108,888.00
140,248.00
140,248.00
growth rate -16.0% 0.0% 28.8% 0.0%
Equity 59,821.00
60,783.00
60,783.00
61,364.00
61,364.00
growth rate 1.6% 0.0% 1.0% 0.0%
Common Shares 26,048.00
26,490.00
26,490.00
26,440.00
26,440.00
growth rate 1.7% 0.0% -0.2% 0.0%
Cash Flow Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Capital Expenditures
growth rate
Cash Dividends 1,121.00
1,114.50
1,114.50
1,114.00
1,114.00
growth rate -0.6% 0.0% 0.0% 0.0%
Cash From OA -736.50
-5,041.50
-5,041.50
-6,428.00
-6,428.00
growth rate 0.0% 0.0% 0.0% 0.0%
FCF
growth rate
Income Statement Mar '19 Jun '19 Sep '19 Dec '19 Mar '20
Sales 4,450.50
4,545.00
4,545.00
3,609.00
3,609.00
growth rate 2.1% 0.0% -20.6% 0.0%
Op.Income 2,293.50
2,205.00
2,205.00
1,359.50
1,359.50
growth rate -3.9% 0.0% -38.3% 0.0%
IBT 2,268.00
2,192.00
2,192.00
1,307.00
1,307.00
growth rate -3.4% 0.0% -40.4% 0.0%
Net Income 1,586.50
1,390.00
1,390.00
772.50
772.50
growth rate -12.4% 0.0% -44.4% 0.0%
EPS
growth rate
Gross Profit 4,450.50
4,545.00
4,545.00
3,609.00
3,609.00
growth rate 2.1% 0.0% -20.6% 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 (0.00)

YOY Growth Grade:

E (22.03)

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 13.39 13.39 7.89
EPS / Growth -1.7% 1.46 7.4%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 4.2%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 4.2% 4.2%
Future PE 2.00 9.89 9.89
Future EPS 1.61 2.20 2.20
Value Price
MOS %
0.80
-95.9%
5.37
-72.4%
5.37
-72.4%
MOS Price 0.40 2.69 2.69
IRT 12.51 10.49 10.49

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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