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Market Price

8.90 

-0.01 -0.1%

as of Apr 12 '21

52 Week Range:

4.51 9.44


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

Bank of Queensland Limited, together with its subsidiaries, provides various financial products and services in Australia. The company operates in Retail Banking, BOQ Business, and Other segments. It offers personal banking services comprises savings and term deposits, and transactional accounts; debit and credit cards; home, personal, and car loans; and travel, home and content, landlord, and car insurance, as well as investment services comprising online share trading services, and self-managed superannuation funds. The company's business banking services include transaction accounts, and savings and investment accounts; loans and finance products, such as business loans, equipment and vehicle finance, and dealer finance; merchant and payment products; and financial market and international services. It also offers Internet and mobile banking services. It operates 63 corporate branches and 93 owner managed branches; and 566 BOQ branded ATMs and 1,009 other ATMs, as well as 2 service and 7 transaction centers. Bank of Queensland Limited was founded in 1874 and is based in Newstead, 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 Aug '12 Aug '13 Aug '14 Aug '15 Aug '16 Aug '17 Aug '18 Aug '19 Nov '19 Aug '20 Nov '20
Equity (BVPS) 8.37
8.28
7.72
9.08
9.14
9.40
9.44
9.31
9.05
growth rate -1.1% -6.8% 17.6% 0.7% 2.8% 0.4% -1.4% -1.4%
Earnings BIT -19.30
275.80
growth rate 100.0%
Avg.PE -70.90
16.78
16.61
16.56
13.05
15.58
11.98
13.22
26.84
growth rate 100.0% -1.0% -0.3% -21.2% 19.4% -23.1% 10.4% 42.5%
ROA -0.06
0.44
0.58
0.67
0.68
0.69
0.64
0.55
0.20
growth rate 100.0% 31.8% 15.5% 1.5% 1.5% -7.3% -14.1% -39.7%
ROE -1.02
6.73
8.46
9.34
9.58
9.55
8.79
7.73
2.84
growth rate 100.0% 25.7% 10.4% 2.6% -0.3% -8.0% -12.1% -39.4%
ROIC 18.08
12.84
11.66
growth rate -29.0% -9.2%
Leverage 15.45
15.09
14.04
13.84
14.17
13.64
13.74
14.41
13.42
growth rate -2.3% -7.0% -1.4% 2.4% -3.7% 0.7% 4.9% -3.5%
Balance Sheet Aug '12 Aug '13 Aug '14 Aug '15 Aug '16 Aug '17 Aug '18 Aug '19 Nov '19 Aug '20 Nov '20
Acct.Receivable 46.00
6.00
715.00
862.00
growth rate -28.8% 11,816.7% 9.8%
Acct.Payable 31,622.00
32,061.00
34,505.00
35,122.00
37,075.00
37,559.00
38,377.00
38,731.00
40,051.00
growth rate 1.4% 7.6% 1.8% 5.6% 1.3% 2.2% 0.9% 1.7%
Cur.Assets 5,805.00
5,587.00
3,760.00
3,359.00
3,067.00
2,918.00
2,795.00
4,804.00
4,223.00
growth rate -3.8% -32.7% -10.7% -8.7% -4.9% -4.2% 71.9% -6.2%
Total Assets 41,758.00
42,528.00
46,905.00
48,018.00
50,853.00
51,658.00
52,980.00
55,597.00
56,772.00
growth rate 1.8% 10.3% 2.4% 5.9% 1.6% 2.6% 4.9% 1.1%
Cash 671.00
873.00
1,034.00
1,103.00
1,228.00
914.00
1,112.00
1,274.00
1,253.00
growth rate 30.1% 18.4% 6.7% 11.3% -25.6% 21.7% 14.6% -0.8%
Cur.Liabilities 32,069.00
32,422.00
35,033.00
35,744.00
37,813.00
38,193.00
39,033.00
39,735.00
41,192.00
growth rate 1.1% 8.1% 2.0% 5.8% 1.0% 2.2% 1.8% 1.8%
Liabilities 38,859.00
39,711.00
43,564.00
44,549.00
47,266.00
47,870.00
49,124.00
51,738.00
52,541.00
growth rate 2.2% 9.7% 2.3% 6.1% 1.3% 2.6% 5.3% 0.8%
LT Debt 6,688.00
7,137.00
8,364.00
8,713.00
9,398.00
9,651.00
10,077.00
11,986.00
11,339.00
growth rate 6.7% 17.2% 4.2% 7.9% 2.7% 4.4% 18.9% -2.7%
Equity 2,899.20
2,817.80
3,341.00
3,469.00
3,587.00
3,788.00
3,856.00
3,859.00
4,231.00
growth rate -2.8% 18.6% 3.8% 3.4% 5.6% 1.8% 0.1% 4.7%
Common Shares 276.00
340.00
353.00
396.00
407.00
413.00
426.00
417.00
417.00
467.00
467.00
growth rate 23.2% 3.8% 12.2% 2.8% 1.5% 3.2% -2.1% 0.0% 12.0% 0.0%
Cash Flow Statement Aug '12 Aug '13 Aug '14 Aug '15 Aug '16 Aug '17 Aug '18 Aug '19 Nov '19 Aug '20 Nov '20
Capital Expenditures 10.00
17.00
31.00
36.00
16.00
18.00
14.00
13.00
9.00
growth rate 70.0% 82.4% 16.1% -55.6% 12.5% -22.2% -7.1% -16.8%
Cash Dividends 88.80
111.90
133.00
163.00
180.00
188.00
251.00
210.00
95.00
growth rate 26.0% 18.9% 22.6% 10.4% 4.4% 33.5% -16.3% -32.7%
Cash From OA 156.00
-298.00
-1,457.00
-1,350.00
-2,370.00
-751.00
-507.00
-1,793.00
-686.00
growth rate -100.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
FCF per Share 0.45
-1.07
0.99
-2.04
-2.84
-0.89
0.54
-0.62
1.02
growth rate -100.0% 100.0% -100.0% 0.0% 0.0% 100.0% -100.0% 100.0%
Sale Purchase of Stock 401.00
11.00
20.00
12.00
growth rate -97.3% 81.8% -40.0%
FCF 124.00
173.00
374.00
-805.00
-1,156.00
-366.00
230.00
-1,590.00
481.00
growth rate 39.5% 116.2% -100.0% 0.0% 0.0% 100.0% -100.0% 100.0%
Income Statement Aug '12 Aug '13 Aug '14 Aug '15 Aug '16 Aug '17 Aug '18 Aug '19 Nov '19 Aug '20 Nov '20
Sales 403.00
741.00
853.00
1,014.00
1,050.00
1,055.00
1,080.00
1,027.00
925.00
growth rate 83.9% 15.1% 18.9% 3.6% 0.5% 2.4% -4.9% -5.1%
Op.Income -17.00
303.00
404.00
503.00
540.00
559.00
561.00
485.00
296.00
growth rate 100.0% 33.3% 24.5% 7.4% 3.5% 0.4% -13.6% -21.9%
IBT -19.30
383.00
462.00
496.00
507.00
493.00
435.00
173.00
growth rate 100.0% 20.6% 7.4% 2.2% -2.8% -11.8% -36.9%
Net Income -17.00
186.00
261.00
318.00
338.00
352.00
336.00
298.00
115.00
growth rate 100.0% 40.3% 21.8% 6.3% 4.1% -4.6% -11.3% -37.9%
EPS -0.10
0.55
0.74
0.80
0.83
0.85
0.79
0.67
67.09
0.24
24.37
growth rate 100.0% 34.6% 8.1% 3.8% 2.4% -7.1% -15.2% 9,913.4% -99.6% 10,054.2%
Gross Profit 403.00
741.00
853.00
1,014.00
1,050.00
1,055.00
1,080.00
1,027.00
925.00
growth rate 83.9% 15.1% 18.9% 3.6% 0.5% 2.4% -4.9% -5.1%

Quarterly Statements

Item Name Aug '19 Nov '19 Feb '20 May '20 Aug '20
Balance Sheet
Acct.Receivable 715.00
728.00
728.00
862.00
862.00
growth rate 1.8% 0.0% 18.4% 0.0%
Acct.Payable 38,731.00
38,683.00
38,683.00
40,051.00
40,051.00
growth rate -0.1% 0.0% 3.5% 0.0%
Cur.Assets 3,231.00
3,334.00
3,334.00
4,223.00
4,223.00
growth rate 3.2% 0.0% 26.7% 0.0%
Total Assets 55,597.00
55,408.00
55,408.00
56,772.00
56,772.00
growth rate -0.3% 0.0% 2.5% 0.0%
Cash 1,274.00
1,134.00
1,134.00
1,253.00
1,253.00
growth rate -11.0% 0.0% 10.5% 0.0%
Cur.Liabilities 39,738.00
39,633.00
39,633.00
41,192.00
41,192.00
growth rate -0.3% 0.0% 3.9% 0.0%
Liabilities 51,738.00
51,197.00
51,197.00
52,541.00
52,541.00
growth rate -1.1% 0.0% 2.6% 0.0%
LT Debt 11,986.00
11,514.00
11,514.00
11,339.00
11,339.00
growth rate -3.9% 0.0% -1.5% 0.0%
Equity 3,859.00
4,211.00
4,211.00
4,231.00
4,231.00
growth rate 9.1% 0.0% 0.5% 0.0%
Common Shares 3,497.00
3,868.00
3,868.00
3,869.00
3,869.00
growth rate 10.6% 0.0% 0.0% 0.0%
Cash Flow Statement Aug '19 Nov '19 Feb '20 May '20 Aug '20
Capital Expenditures 5.50
2.50
2.50
2.00
2.00
growth rate -54.6% 0.0% -20.0% 0.0%
Cash Dividends 51.00
47.50
47.50
growth rate -6.9% 0.0%
Cash From OA -1,026.00
203.00
203.00
-546.00
-546.00
growth rate 100.0% 0.0% -100.0% 0.0%
Sale Purchase of Stock
growth rate
FCF -1,031.50
200.50
200.50
-548.00
-548.00
growth rate 100.0% 0.0% -100.0% 0.0%
Income Statement Aug '19 Nov '19 Feb '20 May '20 Aug '20
Sales 254.00
257.50
257.50
205.00
205.00
growth rate 1.4% 0.0% -20.4% 0.0%
Op.Income 127.00
76.50
76.50
71.50
71.50
growth rate -39.8% 0.0% -6.5% 0.0%
IBT 104.00
69.00
69.00
17.50
17.50
growth rate -33.7% 0.0% -74.6% 0.0%
Net Income 71.00
46.50
46.50
11.00
11.00
growth rate -34.5% 0.0% -76.3% 0.0%
Gross Profit 254.00
257.50
257.50
205.00
205.00
growth rate 1.4% 0.0% -20.4% 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 (41.28)

YOY Growth Grade:

E (28.93)

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 34.76 35.60 9.76
EPS / Growth 5.8% 0.25 -0.6%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 5.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 4.0% 4.0%
Future PE 2.00 8.91 8.91
Future EPS 0.28 0.37 0.37
Value Price
MOS %
0.14
-98.5%
0.82
-90.8%
0.82
-90.8%
MOS Price 0.07 0.41 0.41
IRT 30.34 21.94 21.94

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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