Market Price

65.15 

-0.34 -0.5%

as of Sep 28 '20

52 Week Range:

53.44 90.88


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

Commonwealth Bank of Australia provides integrated financial services in Australia, New Zealand, and internationally. It offers retail, premium, business, and institutional banking; and funds management, insurance, and share-broking products and services. The company operates through five segments: Retail Banking Services, Business and Private Banking, Institutional Banking and Markets, New Zealand, and International Financial Services and Corporate Centre. It offers transaction and savings accounts, term deposits, personal and business loans, credit cards, insurance products, international payment, and private banking services, as well as home, car, and personal loans. The company also provides advisory services for high net worth individuals; equities trading and margin lending services; debt capital, transaction banking, working capital, and risk management services; and merchant, international and foreign exchange, and risk management services. It operates through 1,118 branches and 3,542 ATMs. The company was founded in 1911 and is based in Sydney, 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 Jun '13 Jun '14 Jun '15 Oct '15 Jun '16 Oct '16 Jun '17 Oct '17 Jun '18 Jun '19 Jun '20
Equity (BVPS) 26.49
28.62
30.93
34.65
35.49
37.31
38.42
40.17
growth rate 8.0% 8.1% 5.8% 1.2% 2.5% 3.0% 4.6%
Earnings BIT 10,730.00
12,000.00
11,356.00
11,754.00
13,864.00
growth rate 11.8% -2.7% 1.7% 8.6%
Avg.PE 14.90
15.50
15.44
14.36
14.01
13.37
13.57
16.94
13.72
growth rate 4.0% -0.4% -3.6% -1.2% -4.6% 1.5% 24.8% -19.0%
ROA 1.04
1.12
1.09
1.02
1.04
0.96
0.88
0.97
growth rate 7.7% -2.7% -3.3% 1.0% -3.9% -8.3% 10.2%
ROE 17.85
18.41
17.90
16.38
16.09
14.30
12.52
13.61
growth rate 3.1% -2.8% -4.3% -0.9% -5.7% -12.5% 8.7%
ROIC 11.12
10.21
growth rate -8.2%
Leverage 16.77
16.21
16.65
15.50
15.46
14.49
14.03
14.08
growth rate -3.3% 2.7% -3.5% -0.1% -3.2% -3.2% 0.4%
Balance Sheet Jun '13 Jun '14 Jun '15 Oct '15 Jun '16 Oct '16 Jun '17 Oct '17 Jun '18 Jun '19 Jun '20
Acct.Receivable 7,744.00
1,888.00
1,555.00
10,282.00
1,377.00
9,583.00
1,635.00
12,768.00
10,710.00
6,084.00
3,018.00
growth rate -75.6% -17.6% 561.2% -86.6% 595.9% -82.9% 680.9% -16.1% -43.2% -50.4%
Acct.Payable 459,429.00
489,724.00
533,044.00
576,616.00
617,597.00
615,662.00
623,158.00
685,219.00
growth rate 6.6% 8.9% 4.0% 3.5% -0.2% 1.2% 10.0%
Cur.Assets 99,398.00
94,868.00
124,626.00
120,977.00
124,996.00
130,177.00
117,057.00
135,189.00
growth rate -4.6% 31.4% -1.5% 1.7% 2.1% -10.1% 15.5%
Total Assets 753,857.00
791,451.00
873,446.00
821,040.00
933,001.00
880,625.00
976,318.00
940,853.00
975,165.00
976,502.00
1,014,060.00
growth rate 5.0% 10.4% -6.0% 13.6% -5.6% 10.9% -3.6% 3.7% 0.1% 3.9%
Cash 20,634.00
19,128.00
19,270.00
325,121.00
14,447.00
347,081.00
23,117.00
388,197.00
22,897.00
16,655.00
27,307.00
growth rate -7.3% 0.7% 1,587.2% -95.6% 2,302.4% -93.3% 1,579.3% -94.1% -27.3% 64.0%
Cur.Liabilities 515,587.00
600,706.00
659,163.00
713,572.00
736,092.00
745,504.00
741,010.00
783,479.00
growth rate 16.5% 9.7% 4.1% 1.6% 0.6% -0.6% 5.7%
Liabilities 708,320.00
742,103.00
820,453.00
773,540.00
872,437.00
827,637.00
912,658.00
883,581.00
907,305.00
906,853.00
942,047.00
growth rate 4.8% 10.6% -5.7% 12.8% -5.1% 10.3% -3.2% 2.7% -0.1% 3.9%
LT Debt 168,417.00
125,074.00
145,403.00
118,866.00
142,988.00
124,543.00
157,744.00
94,744.00
156,604.00
160,945.00
150,544.00
growth rate -25.7% 16.3% -18.3% 20.3% -12.9% 26.7% -39.9% 65.3% 2.8% -6.5%
Equity 44,955.00
48,811.00
52,431.00
47,500.00
60,014.00
52,988.00
63,114.00
57,272.00
67,306.00
69,594.00
72,008.00
growth rate 8.6% 7.4% -9.4% 26.4% -11.7% 19.1% -9.3% 17.5% 3.4% 3.5%
Common Shares 1,662.00
1,663.00
1,714.00
11,168.00
1,743.00
13,325.00
1,776.00
13,733.00
1,802.00
1,829.00
1,841.00
growth rate 0.1% 3.1% 551.6% -84.4% 664.5% -86.7% 673.3% -86.9% 1.5% 0.7%
Cash Flow Statement Jun '13 Jun '14 Jun '15 Oct '15 Jun '16 Oct '16 Jun '17 Oct '17 Jun '18 Jun '19 Jun '20
Capital Expenditures 642.00
513.00
578.00
1,022.00
1,259.00
938.00
602.00
1,058.00
477.00
326.00
910.00
growth rate -20.1% 12.7% 76.8% 23.2% -25.5% -35.8% 75.8% -54.9% -31.7% 179.1%
Cash Dividends 4,860.00
5,491.00
6,200.00
3,559.00
5,827.00
3,775.00
6,084.00
4,145.00
5,366.00
6,853.00
7,629.00
growth rate 13.0% 12.9% -42.6% 63.7% -35.2% 61.2% -31.9% 29.5% 27.7% 11.3%
Cash From OA -10,666.00
-25,456.00
-34,046.00
18,458.00
-42,344.00
20,038.00
-40,628.00
29,265.00
1,985.00
13,195.00
-30,354.00
growth rate 0.0% 0.0% 100.0% -100.0% 100.0% -100.0% 100.0% -93.2% 564.7% -100.0%
FCF per Share -5.40
7.32
-1.06
-1.46
-5.41
3.40
5.63
9.65
growth rate 100.0% -100.0% 0.0% 0.0% 100.0% 65.6% 71.4%
Sale Purchase of Stock 760.00
744.00
804.00
5,072.00
776.00
34.00
-2,450.00
growth rate -2.1% 8.1% 530.9% -84.7% -95.6% -100.0%
FCF 5,471.00
3,050.00
6,055.00
17,436.00
-6,329.00
19,100.00
-1,904.00
28,207.00
129.00
17,446.00
37,268.00
growth rate -44.3% 98.5% 188.0% -100.0% 100.0% -100.0% 100.0% -99.5% 13,424.0% 113.6%
Income Statement Jun '13 Jun '14 Jun '15 Oct '15 Jun '16 Oct '16 Jun '17 Oct '17 Jun '18 Jun '19 Jun '20
Sales 19,730.00
21,570.00
22,680.00
33,079.00
22,361.00
34,856.00
23,388.00
39,122.00
23,240.00
22,304.00
21,500.00
growth rate 9.3% 5.2% 45.9% -32.4% 55.9% -32.9% 67.3% -40.6% -4.0% -3.6%
Op.Income 10,985.00
12,488.00
13,012.00
12,783.00
14,179.00
13,921.00
11,943.00
11,549.00
growth rate 13.7% 4.2% -0.9% 5.3% -0.9% -14.2% -3.3%
IBT 11,997.00
12,602.00
9,648.00
12,365.00
9,923.00
13,255.00
11,382.00
12,553.00
11,376.00
10,479.00
growth rate 5.0% -23.4% 28.2% -19.8% 33.6% -14.1% 10.3% -9.4% -7.9%
Net Income 7,618.00
8,631.00
9,053.00
7,663.00
9,223.00
7,803.00
9,928.00
8,897.00
9,329.00
8,571.00
9,634.00
growth rate 13.3% 4.9% -15.4% 20.4% -15.4% 27.2% -10.4% 4.9% -8.1% 12.4%
EPS 4.62
5.19
5.29
5.29
5.59
5.17
4.68
5.23
growth rate 12.3% 1.9% 0.0% 2.8% -3.8% -9.5% 11.8%
Gross Profit 19,730.00
21,570.00
22,680.00
22,361.00
23,388.00
23,240.00
22,304.00
21,500.00
growth rate 9.3% 5.2% -0.7% 2.3% -0.3% -4.0% -3.6%

Quarterly Statements

Item Name Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Balance Sheet
Acct.Receivable 10,268.00
7,710.00
7,710.00
3,018.00
3,018.00
growth rate -24.9% 0.0% -60.9% 0.0%
Acct.Payable 623,158.00
642,478.00
642,478.00
685,219.00
685,219.00
growth rate 3.1% 0.0% 6.7% 0.0%
Cur.Assets 116,671.00
109,448.00
109,448.00
135,189.00
135,189.00
growth rate -6.2% 0.0% 23.5% 0.0%
Total Assets 976,502.00
979,868.00
979,868.00
1,014,060.00
1,014,060.00
growth rate 0.3% 0.0% 3.5% 0.0%
Cash 16,655.00
19,625.00
19,625.00
27,307.00
27,307.00
growth rate 17.8% 0.0% 39.1% 0.0%
Cur.Liabilities 741,227.00
688,536.00
688,536.00
783,479.00
783,479.00
growth rate -7.1% 0.0% 13.8% 0.0%
Liabilities 906,853.00
908,715.00
908,715.00
942,047.00
942,047.00
growth rate 0.2% 0.0% 3.7% 0.0%
LT Debt 160,945.00
202,574.00
202,574.00
150,544.00
150,544.00
growth rate 25.9% 0.0% -25.7% 0.0%
Equity 69,594.00
71,102.00
71,102.00
72,008.00
72,008.00
growth rate 2.2% 0.0% 1.3% 0.0%
Common Shares 38,283.00
38,282.00
38,282.00
38,282.00
38,282.00
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Capital Expenditures 163.00
growth rate
Cash Dividends 1,765.00
2,041.00
2,041.00
growth rate 15.6% 0.0%
Cash From OA 958.50
5,774.00
5,774.00
growth rate 502.4% 0.0%
Sale Purchase of Stock
growth rate
FCF 795.50
growth rate
Income Statement Jun '19 Sep '19 Dec '19 Mar '20 Jun '20
Sales 5,629.00
5,903.00
5,903.00
growth rate 4.9% 0.0%
Op.Income 2,864.50
3,481.00
3,481.00
growth rate 21.5% 0.0%
IBT 2,675.50
3,193.50
3,193.50
growth rate 19.4% 0.0%
Net Income 1,986.00
3,080.50
3,080.50
growth rate 55.1% 0.0%
Gross Profit 5,629.00
5,903.00
5,903.00
growth rate 4.9% 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:

E (27.81)

YOY Growth Grade:

E (27.49)

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 12.63 12.44 11.94
EPS / Growth 2.5% 5.24 5.1%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 4.7%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 2.5% 4.1% 4.1%
Future PE 5.06 10.92 10.92
Future EPS 6.72 7.82 7.82
Value Price
MOS %
8.41
-87.1%
21.10
-67.6%
21.10
-67.6%
MOS Price 4.20 10.55 10.55
IRT 10.71 9.93 9.93

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.

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Risk / Reward Ratios

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