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Market Price

26.05 

-0.17 -0.7%

as of May 16 '21

52 Week Range:

15.22 27.84


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

National Australia Bank Limited provides financial services to individuals and businesses in Australia, New Zealand, and internationally. It operates through Business and Private Banking, Personal Banking, Corporate and Institutional Banking, and New Zealand Banking segments. It operates through Business and Private Banking; Personal Banking; Corporate and Institutional Banking; New Zealand Banking; Corporate Functions and Other; and MLC Wealth segments. The company accepts transaction accounts, savings accounts, deposit accounts, and term deposits; and specialized accounts, such as foreign currency, business interest, statutory trust, community free saver, farm management, and project bank accounts, as well as farm management deposits. National Australia Bank Limited also provides home loans; personal loans; business loans; vehicle and equipment finance; and trade and invoice finance, as well as business overdrafts and bank guarantees. In addition, the company offers insurance products consisting of car, home and content, landlord, travel, caravan and trailer, life, and business insurance products; and pension, superannuation, self-managed super funds, cash management, and financial planning and advisory services. Further, it provides investment products; credit, debit, and business cards; payments and merchant services; travel services; online and internet banking services; small business services; international and foreign exchange solutions; and industry specific banking services. National Australia Bank Limited was founded in 1834 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 '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18 Sep '19 Sep '20
Equity (BVPS) 15.72
17.06
18.68
18.05
18.59
17.92
19.37
17.91
18.15
18.13
17.18
growth rate 8.5% 9.5% -3.4% 3.0% -3.6% 8.1% -7.5% 1.3% -0.1% -5.2%
Earnings BIT 5,680.00
6,730.00
6,160.00
8,200.00
growth rate 18.5% -8.5% 33.1%
Avg.PE 13.30
9.66
14.62
15.08
8.18
8.18
317.16
15.79
13.38
14.58
16.34
growth rate -27.4% 51.4% 3.2% -45.8% 0.0% 3,777.3% -95.0% -15.3% 9.0% 12.1%
ROA 0.59
0.69
0.51
0.67
0.60
0.67
0.03
0.66
0.68
0.57
0.29
growth rate 17.0% -26.1% 31.4% -10.5% 11.7% -95.5% 2,100.0% 3.0% -16.2% -49.1%
ROE 11.87
13.91
10.08
12.95
11.92
12.87
0.46
10.77
11.11
9.12
4.46
growth rate 17.2% -27.5% 28.5% -8.0% 8.0% -96.4% 2,241.3% 3.2% -17.9% -51.1%
ROIC 8.38
10.67
8.53
8.19
6.88
growth rate 27.3% -20.1% -4.0% -16.0%
Leverage 20.16
20.23
19.65
19.24
20.28
18.30
16.21
16.29
16.20
15.79
14.60
growth rate 0.4% -2.9% -2.1% 5.4% -9.8% -11.4% 0.5% -0.6% -2.5% -7.5%
Balance Sheet Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18 Sep '19 Sep '20
Acct.Receivable 10,309.00
12,490.00
10,366.00
10,689.00
5,128.00
6,699.00
9,011.00
21,497.00
growth rate 21.2% -17.0% 3.1% -52.0% 30.6% 34.5% 138.6%
Acct.Payable 428,672.00
458,625.00
459,142.00
436,511.00
459,836.00
452,932.00
465,483.00
503,788.00
growth rate 7.0% 0.1% -4.9% 5.3% -1.5% 2.8% 8.2%
Cur.Assets 263,424.00
300,880.00
269,837.00
210,839.00
191,285.00
184,776.00
207,046.00
232,229.00
growth rate 14.2% -10.3% -21.9% -9.3% -3.4% 12.1% 12.2%
Total Assets 685,952.00
753,757.00
763,090.00
809,870.00
883,301.00
955,052.00
776,710.00
788,325.00
806,510.00
847,124.00
866,565.00
growth rate 9.9% 1.2% 6.1% 9.1% 8.1% -18.7% 1.5% 2.3% 5.0% 2.3%
Cash 63,751.00
74,199.00
66,874.00
38,306.00
32,229.00
45,964.00
39,760.00
34,763.00
26,491.00
25,961.00
34,652.00
growth rate 16.4% -9.9% -42.7% -15.9% 42.6% -13.5% -12.6% -23.8% -2.0% 33.5%
Cur.Liabilities 550,705.00
606,945.00
636,721.00
594,166.00
591,153.00
600,967.00
633,742.00
649,194.00
growth rate 10.2% 4.9% -6.7% -0.5% 1.7% 5.5% 2.4%
Liabilities 647,012.00
711,589.00
719,334.00
763,494.00
835,393.00
899,539.00
725,395.00
737,008.00
753,798.00
791,520.00
805,272.00
growth rate 10.0% 1.1% 6.1% 9.4% 7.7% -19.4% 1.6% 2.3% 5.0% 1.7%
LT Debt 2,010.00
2,011.00
2,012.00
122,197.00
130,187.00
157,588.00
124,184.00
137,948.00
144,524.00
146,463.00
144,394.00
growth rate 0.1% 0.1% 5,973.4% 6.5% 21.1% -21.2% 11.1% 4.8% 1.3% -1.4%
Equity 38,940.00
42,168.00
43,756.00
46,561.00
45,902.00
54,519.00
50,317.00
50,331.00
51,726.00
55,596.00
61,292.00
growth rate 8.3% 3.8% 6.4% -1.4% 18.8% -7.7% 0.0% 2.8% 7.5% 10.3%
Common Shares 2,113.00
2,211.00
2,232.00
2,347.00
2,427.00
2,579.00
2,794.00
2,873.00
2,940.00
3,024.00
3,333.00
growth rate 4.6% 1.0% 5.2% 3.4% 6.3% 8.3% 2.8% 2.3% 2.9% 10.2%
Cash Flow Statement Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18 Sep '19 Sep '20
Capital Expenditures 771.00
951.00
831.00
1,232.00
1,243.00
976.00
875.00
1,028.00
1,051.00
1,135.00
972.00
growth rate 23.4% -12.6% 48.3% 0.9% -21.5% -10.4% 17.5% 2.2% 8.0% -14.4%
Cash Dividends 2,500.00
2,341.00
2,744.00
3,493.00
3,973.00
3,624.00
4,593.00
4,750.00
4,221.00
3,266.00
2,323.00
growth rate -6.4% 17.2% 27.3% 13.7% -8.8% 26.7% 3.4% -11.1% -22.6% -28.9%
Cash From OA 5,865.00
9,165.00
-2,547.00
-7,224.00
-30,263.00
-10,761.00
-23,460.00
-30,213.00
-7,354.00
-5,865.00
8,002.00
growth rate 56.3% -100.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0%
FCF per Share 2.40
3.66
4.64
-0.03
-3.05
-0.77
6.24
7.52
-2.65
-1.05
3.91
growth rate 52.5% 26.8% -100.0% 0.0% 0.0% 100.0% 20.5% -100.0% 0.0% 100.0%
Sale Purchase of Stock 9.00
6,246.00
growth rate 69,300.0%
FCF 5,068.00
8,097.00
-3,493.00
-68.00
-8,478.00
-14,066.00
15,320.00
12,189.00
-10,247.00
9,275.00
32,920.00
growth rate 59.8% -100.0% 0.0% 0.0% 0.0% 100.0% -20.4% -100.0% 100.0% 254.9%
Income Statement Sep '10 Sep '11 Sep '12 Sep '13 Sep '14 Sep '15 Sep '16 Sep '17 Sep '18 Sep '19 Sep '20
Sales 21,265.00
16,843.00
26,369.00
16,377.00
18,009.00
17,704.00
17,301.00
17,200.00
18,310.00
16,608.00
14,295.00
growth rate -20.8% 56.6% -37.9% 10.0% -1.7% -2.3% -0.6% 6.5% -9.3% -13.9%
Op.Income 5,676.00
6,728.00
6,159.00
8,096.00
8,076.00
9,574.00
9,331.00
9,110.00
9,659.00
9,434.00
6,571.00
growth rate 18.5% -8.5% 31.5% -0.3% 18.6% -2.5% -2.4% 6.0% -2.3% -30.4%
IBT 5,676.00
6,728.00
6,159.00
7,782.00
9,515.00
8,978.00
8,661.00
8,400.00
8,345.00
5,163.00
growth rate 18.5% -8.5% 12.4% 22.3% -5.6% -3.5% -3.0% -0.7% -38.1%
Net Income 4,224.00
5,219.00
4,082.00
5,355.00
5,295.00
6,338.00
352.00
5,285.00
5,554.00
4,798.00
2,559.00
growth rate 23.6% -21.8% 31.2% -1.1% 19.7% -94.5% 1,401.4% 5.1% -13.6% -46.7%
EPS 1.88
2.28
1.72
2.21
2.15
2.45
0.08
1.89
1.94
1.64
0.81
growth rate 21.3% -24.6% 28.5% -2.7% 14.0% -96.7% 2,262.5% 2.7% -15.5% -50.6%
Gross Profit 16,377.00
18,009.00
17,704.00
17,301.00
17,200.00
18,310.00
16,608.00
14,295.00
growth rate 10.0% -1.7% -2.3% -0.6% 6.5% -9.3% -13.9%

Quarterly Statements

Item Name Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Balance Sheet
Acct.Receivable 9,011.00
60,884.00
60,884.00
21,497.00
21,497.00
growth rate 575.7% 0.0% -64.7% 0.0%
Acct.Payable 465,483.00
544,498.00
544,498.00
503,788.00
503,788.00
growth rate 17.0% 0.0% -7.5% 0.0%
Cur.Assets 207,046.00
259,166.00
259,166.00
232,229.00
232,229.00
growth rate 25.2% 0.0% -10.4% 0.0%
Total Assets 847,124.00
927,628.00
927,628.00
866,565.00
866,565.00
growth rate 9.5% 0.0% -6.6% 0.0%
Cash 25,961.00
52,498.00
52,498.00
34,652.00
34,652.00
growth rate 102.2% 0.0% -34.0% 0.0%
Cur.Liabilities 633,742.00
661,207.00
661,207.00
649,194.00
649,194.00
growth rate 4.3% 0.0% -1.8% 0.0%
Liabilities 791,520.00
869,250.00
869,250.00
805,272.00
805,272.00
growth rate 9.8% 0.0% -7.4% 0.0%
LT Debt 146,463.00
189,628.00
189,628.00
144,394.00
144,394.00
growth rate 29.5% 0.0% -23.9% 0.0%
Equity 55,596.00
58,377.00
58,377.00
61,292.00
61,292.00
growth rate 5.0% 0.0% 5.0% 0.0%
Common Shares 36,762.00
39,248.00
39,248.00
43,531.00
43,531.00
growth rate 6.8% 0.0% 10.9% 0.0%
Cash Flow Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Capital Expenditures 340.00
239.00
239.00
247.00
247.00
growth rate -29.7% 0.0% 3.4% 0.0%
Cash Dividends 747.50
745.50
745.50
416.00
416.00
growth rate -0.3% 0.0% -44.2% 0.0%
Cash From OA -5,933.00
4,575.00
4,575.00
-574.00
-574.00
growth rate 100.0% 0.0% -100.0% 0.0%
FCF -6,273.00
4,336.00
4,336.00
-821.00
-821.00
growth rate 100.0% 0.0% -100.0% 0.0%
Income Statement Sep '19 Dec '19 Mar '20 Jun '20 Sep '20
Sales 4,144.50
3,769.00
3,769.00
3,378.50
3,378.50
growth rate -9.1% 0.0% -10.4% 0.0%
Op.Income 1,941.00
1,526.00
1,526.00
1,759.50
1,759.50
growth rate -21.4% 0.0% 15.3% 0.0%
IBT 1,526.50
894.50
894.50
1,687.00
1,687.00
growth rate -41.4% 0.0% 88.6% 0.0%
Net Income 1,052.00
656.50
656.50
623.00
623.00
growth rate -37.6% 0.0% -5.1% 0.0%
EPS
growth rate
Gross Profit 4,144.50
3,769.00
3,769.00
3,378.50
3,378.50
growth rate -9.1% 0.0% -10.4% 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:

E (27.68)

YOY Growth Grade:

E (19.94)

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 32.57 32.36 10.79
EPS / Growth -0.5% 0.81 6.0%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 5.5%

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 9.56 9.56
Future EPS 0.89 1.21 1.21
Value Price
MOS %
0.44
-98.3%
2.86
-89.0%
2.86
-89.0%
MOS Price 0.22 1.43 1.43
IRT 27.93 20.35 20.35

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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