Market Price

15.83 

0.01 0.1%

as of Sep 23 '19

52 Week Range:

13.87 21.77


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

Nedbank Group Limited, through its subsidiary, Nedbank Limited, provides various wholesale and retail banking services in South Africa and internationally. It offers personal banking solutions, including savings deposits and investment accounts; home and personal loans, student loans, vehicle finance products, private wealth finance solutions, overdrafts, and credit cards; and investment plans and services, financial and estate planning services, and wills and trust services, as well as professional banking, wealth management, non-resident and embassy banking, insurance, stock broking, and foreign exchange services. The company also provides business banking services, such as business and tender accounts; call, fixed, and flexi deposits; loans and structured solutions; property, asset, and vehicle finance products; value added services; card and cash solutions; treasury solutions; cash management, electronic banking, and merchant payment and support services; life, asset, income and credit protection, funeral, business cover, liability cover, revenue cover, and owners' insurance products; asset management services; and commodities, equities, fixed income, and structured credit products. In addition, the company offers corporate banking services comprising aircraft, asset based, carbon, export credit, global commodity, infrastructure, energy, telecoms, leveraged, mining, oil and gas, private equity, and public sector finance; payments and receipts, documentary credits and collections, guarantees, and trade finance; structured solutions; corporate lending and advances, and specialized distribution products; custodial services; corporate finance and debt advisory services; beta solutions; and corporate and institutional investments. Further, it provides transactional banking services. The company was formerly known as Nedcor Limited and changed its name to Nedbank Group Limited in 2005. The company was founded in 1831 and is headquartered in Johannesburg, South Africa.

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 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Equity (BVPS) 9.12
10.77
14.81
12.33
12.54
11.66
11.73
9.26
11.87
13.47
12.29
growth rate 18.1% 37.5% -16.8% 1.7% -7.0% 0.6% -21.1% 28.2% 13.5% -8.8%
Earnings BIT 790.32
598.75
579.15
773.39
952.48
1,066.53
growth rate -24.2% -3.3% 33.5% 23.2% 12.0%
Avg.PE 6.15
11.03
12.76
10.59
12.03
11.49
11.97
8.44
11.66
12.06
9.47
growth rate 79.4% 15.7% -17.0% 13.6% -4.5% 4.2% -29.5% 38.2% 3.4% -21.5%
ROA 1.21
0.85
0.82
0.99
1.12
1.21
1.26
1.24
1.07
1.19
1.32
growth rate -29.8% -3.5% 20.7% 13.1% 8.0% 4.1% -1.6% -13.7% 11.2% 10.9%
ROE 18.25
12.11
11.49
13.31
14.53
15.08
15.35
15.12
13.29
14.33
15.59
growth rate -33.6% -5.1% 15.8% 9.2% 3.8% 1.8% -1.5% -12.1% 7.8% 8.8%
ROIC 121.10
86.90
63.89
53.33
28.26
27.35
30.68
growth rate -28.2% -26.5% -16.5% -47.0% -3.2% 12.2%
Leverage 14.15
14.39
13.80
13.24
12.66
12.37
12.07
12.38
12.43
11.64
11.97
growth rate 1.7% -4.1% -4.1% -4.4% -2.3% -2.4% 2.6% 0.4% -6.4% 2.8%
Balance Sheet Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Acct.Receivable 246.00
565.00
291.00
5,876.00
10,111.00
9,872.00
13,827.00
growth rate 129.7% -48.5% 1,919.2% 72.1% -2.4% 40.1%
Acct.Payable 534,317.00
590,694.00
640,791.00
710,320.00
742,140.00
746,779.00
803,927.00
growth rate 10.6% 8.5% 10.9% 4.5% 0.6% 7.7%
Cur.Assets 66,026.00
73,836.00
62,421.00
99,751.00
93,309.00
98,493.00
86,568.00
growth rate 11.8% -15.5% 59.8% -6.5% 5.6% -12.1%
Total Assets 53,867.19
50,849.64
54,236.77
57,748.12
682,958.00
749,594.00
809,313.00
925,726.00
966,022.00
983,314.00
1,043,912.00
growth rate -5.6% 6.7% 6.5% 1,082.7% 9.8% 8.0% 14.4% 4.4% 1.8% 6.2%
Cash 14,445.00
20,842.00
13,339.00
22,840.00
26,384.00
16,900.00
13,162.00
growth rate 44.3% -36.0% 71.2% 15.5% -36.0% -22.1%
Cur.Liabilities 564,561.00
619,833.00
676,546.00
783,645.00
818,304.00
829,181.00
889,984.00
growth rate 9.8% 9.2% 15.8% 4.4% 1.3% 7.3%
Liabilities 50,060.25
47,316.91
50,307.37
53,387.03
625,583.00
685,258.00
738,402.00
846,975.00
884,311.00
894,775.00
952,641.00
growth rate -5.5% 6.3% 6.1% 1,071.8% 9.5% 7.8% 14.7% 4.4% 1.2% 6.5%
LT Debt 0.00
0.00
2,977.10
3,357.20
30,298.00
33,268.00
28,148.00
35,807.00
45,904.00
45,949.00
46,756.00
growth rate 12.8% 802.5% 9.8% -15.4% 27.2% 28.2% 0.1% 1.8%
Equity 3,806.94
4,008.07
4,260.23
4,694.23
5,112.11
60,617.00
67,024.00
74,754.00
75,733.00
81,823.00
83,778.00
growth rate 5.3% 6.3% 10.2% 8.9% 1,085.8% 10.6% 11.5% 1.3% 8.0% 2.4%
Common Shares 412.00
435.00
458.00
462.00
471.00
474.00
478.00
483.00
488.00
490.00
493.00
growth rate 5.6% 5.3% 0.9% 2.0% 0.6% 0.8% 1.1% 1.0% 0.4% 0.6%
Cash Flow Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Capital Expenditures 145.26
204.04
2,004.00
0.00
0.00
2,867.00
2,867.00
2,867.00
3,846.00
3,299.00
4,250.00
growth rate 40.5% 882.2% -100.0% 0.0% 0.0% 34.2% -14.2% 28.8%
Cash Dividends 292.32
231.93
2,323.00
285.03
0.00
3,821.00
4,643.00
5,395.00
5,587.00
6,080.00
6,744.00
growth rate -20.7% 901.6% -87.7% -100.0% 21.5% 16.2% 3.6% 8.8% 10.9%
Cash From OA 156.75
-2,006.00
267.00
789.69
8,943.00
12,156.00
5,818.00
-67,948.00
-31,402.00
-6,828.00
-44,419.00
growth rate -100.0% 100.0% 195.8% 1,032.5% 35.9% -52.1% -100.0% 0.0% 0.0% 0.0%
FCF per Share 0.03
-1.42
-0.56
1.71
1.80
2.77
-0.18
2.22
-2.04
0.53
0.56
growth rate -100.0% 0.0% 100.0% 5.3% 53.9% -100.0% 100.0% -100.0% 100.0% 5.7%
Sale Purchase of Stock 475.00
771.00
846.00
476.00
616.00
growth rate 62.3% 9.7% -43.7% 29.4%
FCF 103.00
-4,574.00
-1,700.00
7,166.00
7,195.00
12,156.00
3,335.00
1,586.00
443.00
-85.00
5,671.00
growth rate -100.0% 0.0% 100.0% 0.4% 69.0% -72.6% -52.4% -72.1% -100.0% 100.0%
Income Statement Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17 Dec '18
Sales 2,097.32
1,922.60
29,820.00
2,505.05
31,788.00
35,016.00
38,767.00
40,821.00
44,356.00
48,322.00
51,078.00
growth rate -8.3% 1,451.0% -91.6% 1,169.0% 10.2% 10.7% 5.3% 8.7% 8.9% 5.7%
Op.Income 828.21
593.76
0.00
773.12
7,787.00
11,940.00
13,489.00
13,928.00
14,860.00
17,509.00
18,504.00
growth rate -28.3% -100.0% 907.2% 53.3% 13.0% 3.3% 6.7% 17.8% 5.7%
IBT 8,872.00
6,719.00
6,500.00
8,677.00
10,687.00
11,973.00
13,656.00
14,681.00
14,614.00
16,508.00
18,897.00
growth rate -24.3% -3.3% 33.5% 23.2% 12.0% 14.1% 7.5% -0.5% 13.0% 14.5%
Net Income 665.38
482.21
0.00
551.53
7,787.00
8,637.00
9,796.00
10,721.00
10,132.00
11,621.00
13,376.00
growth rate -27.5% -100.0% 1,311.9% 10.9% 13.4% 9.4% -5.5% 14.7% 15.1%
EPS 15.58
11.09
10.50
13.41
15.83
18.22
20.49
22.19
20.77
23.72
27.12
growth rate -28.8% -5.3% 27.7% 18.1% 15.1% 12.5% 8.3% -6.4% 14.2% 14.3%
Gross Profit 31,788.00
35,016.00
38,767.00
40,821.00
44,356.00
48,322.00
51,078.00
growth rate 10.2% 10.7% 5.3% 8.7% 8.9% 5.7%

Quarterly Statements

Item Name Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Balance Sheet
Acct.Receivable 922.00
13,827.00
13,827.00
185.00
185.00
growth rate 1,399.7% 0.0% -98.7% 0.0%
Acct.Payable 801,165.00
803,927.00
803,927.00
835,107.00
835,107.00
growth rate 0.3% 0.0% 3.9% 0.0%
Cur.Assets 62,180.00
86,568.00
86,568.00
69,554.00
69,554.00
growth rate 39.2% 0.0% -19.7% 0.0%
Total Assets 1,019,015.00
1,043,912.00
1,043,912.00
1,101,595.00
1,101,595.00
growth rate 2.4% 0.0% 5.5% 0.0%
Cash 11,222.00
13,162.00
13,162.00
12,896.00
12,896.00
growth rate 17.3% 0.0% -2.0% 0.0%
Cur.Liabilities 845,114.00
889,984.00
889,984.00
934,412.00
934,412.00
growth rate 5.3% 0.0% 5.0% 0.0%
Liabilities 930,053.00
952,641.00
952,641.00
1,006,958.00
1,006,958.00
growth rate 2.4% 0.0% 5.7% 0.0%
LT Debt 53,680.00
46,756.00
46,756.00
40,226.00
40,226.00
growth rate -12.9% 0.0% -14.0% 0.0%
Equity 82,101.00
83,778.00
83,778.00
85,627.00
85,627.00
growth rate 2.0% 0.0% 2.2% 0.0%
Common Shares 484.00
493.00
493.00
482.00
482.00
growth rate 1.9% 0.0% -2.2% 0.0%
Cash Flow Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Capital Expenditures 2,125.00
2,125.00
2,125.00
growth rate 0.0% 0.0%
Cash Dividends 3,372.00
3,372.00
3,372.00
growth rate 0.0% 0.0%
Cash From OA 254.00
-22,463.50
-22,463.50
3,338.00
3,338.00
growth rate -100.0% 0.0% 100.0% 0.0%
Sale Purchase of Stock
growth rate
FCF -1,871.00
-24,588.50
-24,588.50
growth rate 0.0% 0.0%
Income Statement Jun '18 Sep '18 Dec '18 Mar '19 Jun '19
Sales 12,214.50
13,324.50
13,324.50
12,571.50
12,571.50
growth rate 9.1% 0.0% -5.7% 0.0%
Op.Income 4,598.50
4,653.50
4,653.50
4,529.50
4,529.50
growth rate 1.2% 0.0% -2.7% 0.0%
IBT 4,674.00
4,774.50
4,774.50
4,691.00
4,691.00
growth rate 2.2% 0.0% -1.8% 0.0%
Net Income 3,329.00
3,359.00
3,359.00
3,397.00
3,397.00
growth rate 0.9% 0.0% 1.1% 0.0%
Gross Profit 12,214.50
13,324.50
13,324.50
12,571.50
12,571.50
growth rate 9.1% 0.0% -5.7% 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:

C (57.60)

YOY Growth Grade:

D (45.53)

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 8.09 8.09 6.47
EPS / Growth 0.0% 1.96 15.7%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 25.6%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 0.0% 13.8% 13.8%
Future PE 0.00 7.55 14.03
Future EPS 1.96 7.10 7.10
Value Price
MOS %
0.00
-100.0%
13.26
-16.3%
24.63
55.6%
MOS Price 0.00 6.63 12.31
IRT 8.09 5.28 5.28

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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