Market Price

6.70 

0.03 0.5%

as of Jun 30 '22

52 Week Range:

6.39 9.84


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

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 53 corporate branches and 103 owner managed branches, as well as 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 '13 Aug '14 Aug '15 Aug '16 Aug '17 Aug '18 Aug '19 Nov '19 Aug '20 Nov '20 Aug '21
Equity (BVPS) 8.28
7.72
9.08
8.98
9.16
9.28
9.31
9.01
6.91
growth rate -6.8% 17.6% -1.1% 2.0% 1.3% 0.3% -1.6% -12.4%
Earnings BIT 275.80
growth rate
Avg.PE 16.78
16.61
16.56
13.05
15.58
11.98
13.22
26.84
25.24
26.43
growth rate -1.0% -0.3% -21.2% 19.4% -23.1% 10.4% 42.5% -6.0% 4.7%
ROA 0.43
0.58
0.67
0.68
0.69
0.64
0.55
0.20
0.50
growth rate 34.9% 15.5% 1.5% 1.5% -7.3% -14.1% -39.7% 58.1%
ROE 6.41
8.46
9.34
9.58
9.55
8.79
7.73
2.84
7.06
growth rate 32.0% 10.4% 2.6% -0.3% -8.0% -12.1% -39.4% 57.7%
ROIC 12.84
11.66
growth rate -9.2%
Leverage 15.09
14.04
13.84
14.17
13.64
13.74
14.41
13.42
14.75
growth rate -7.0% -1.4% 2.4% -3.7% 0.7% 4.9% -3.5% 4.8%
Balance Sheet Aug '13 Aug '14 Aug '15 Aug '16 Aug '17 Aug '18 Aug '19 Nov '19 Aug '20 Nov '20 Aug '21
Acct.Receivable 6.00
715.00
862.00
827.00
growth rate 11,816.7% 9.8% -2.1%
Acct.Payable 32,061.00
34,505.00
35,122.00
37,075.00
37,559.00
38,377.00
38,731.00
40,051.00
66,477.00
growth rate 7.6% 1.8% 5.6% 1.3% 2.2% 0.9% 1.7% 28.8%
Cur.Assets 5,587.00
3,760.00
3,359.00
3,067.00
2,918.00
2,795.00
4,804.00
4,223.00
4,657.00
growth rate -32.7% -10.7% -8.7% -4.9% -4.2% 71.9% -6.2% 5.0%
Total Assets 42,528.00
46,905.00
48,018.00
50,853.00
51,658.00
52,980.00
55,597.00
56,772.00
91,432.00
growth rate 10.3% 2.4% 5.9% 1.6% 2.6% 4.9% 1.1% 26.9%
Cash 873.00
1,034.00
1,103.00
1,228.00
914.00
1,112.00
1,274.00
1,253.00
2,362.00
growth rate 18.4% 6.7% 11.3% -25.6% 21.7% 14.6% -0.8% 37.3%
Cur.Liabilities 32,422.00
35,033.00
35,744.00
37,813.00
38,193.00
39,033.00
39,735.00
41,192.00
67,497.00
growth rate 8.1% 2.0% 5.8% 1.0% 2.2% 1.8% 1.8% 28.0%
Liabilities 39,711.00
43,564.00
44,549.00
47,266.00
47,870.00
49,124.00
51,738.00
52,541.00
85,235.00
growth rate 9.7% 2.3% 6.1% 1.3% 2.6% 5.3% 0.8% 27.4%
LT Debt 7,137.00
8,364.00
8,713.00
9,398.00
9,651.00
10,077.00
11,986.00
11,339.00
17,723.00
growth rate 17.2% 4.2% 7.9% 2.7% 4.4% 18.9% -2.7% 25.0%
Equity 2,817.80
3,341.00
3,469.00
3,587.00
3,788.00
3,856.00
3,859.00
4,231.00
6,197.00
growth rate 18.6% 3.8% 3.4% 5.6% 1.8% 0.1% 4.7% 21.0%
Common Shares 361.00
376.00
409.00
434.00
438.00
3,418.00
3,497.00
417.00
3,869.00
467.00
5,213.00
growth rate 4.2% 8.8% 6.1% 0.9% 680.4% 2.3% -88.1% 827.8% -87.9% 1,016.3%
Cash Flow Statement Aug '13 Aug '14 Aug '15 Aug '16 Aug '17 Aug '18 Aug '19 Nov '19 Aug '20 Nov '20 Aug '21
Capital Expenditures 17.00
31.00
36.00
16.00
18.00
14.00
13.00
9.00
9.00
growth rate 82.4% 16.1% -55.6% 12.5% -22.2% -7.1% -16.8% 0.0%
Cash Dividends 111.90
133.00
163.00
180.00
188.00
251.00
210.00
95.00
146.00
growth rate 18.9% 22.6% 10.4% 4.4% 33.5% -16.3% -32.7% 24.0%
Cash From OA -298.00
-1,457.00
-1,350.00
-2,370.00
-751.00
-507.00
-1,793.00
-686.00
-3,601.00
growth rate 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
FCF per Share -1.07
0.93
-2.04
-2.33
-0.45
-0.18
-0.58
-2.65
1.25
growth rate 100.0% -100.0% 0.0% 0.0% 0.0% 0.0% 0.0% 100.0%
Sale Purchase of Stock 401.00
11.00
20.00
12.00
growth rate -97.3% 81.8% -40.0%
FCF 173.00
374.00
-805.00
-1,156.00
-366.00
230.00
-1,590.00
481.00
253.00
growth rate 116.2% -100.0% 0.0% 0.0% 100.0% -100.0% 100.0% -27.5%
Income Statement Aug '13 Aug '14 Aug '15 Aug '16 Aug '17 Aug '18 Aug '19 Nov '19 Aug '20 Nov '20 Aug '21
Sales 741.00
853.00
1,014.00
1,050.00
1,055.00
1,080.00
1,027.00
925.00
1,274.00
growth rate 15.1% 18.9% 3.6% 0.5% 2.4% -4.9% -5.1% 17.4%
Op.Income 303.00
404.00
503.00
540.00
559.00
561.00
485.00
296.00
589.00
growth rate 33.3% 24.5% 7.4% 3.5% 0.4% -13.6% -21.9% 41.1%
IBT 383.00
462.00
496.00
507.00
493.00
435.00
173.00
538.00
growth rate 20.6% 7.4% 2.2% -2.8% -11.8% -36.9% 76.4%
Net Income 186.00
261.00
318.00
338.00
352.00
336.00
298.00
115.00
368.00
growth rate 40.3% 21.8% 6.3% 4.1% -4.6% -11.3% -37.9% 78.9%
EPS 0.55
0.74
0.82
0.83
0.85
0.79
0.67
67.09
0.24
24.37
0.63
growth rate 34.6% 10.8% 1.2% 2.4% -7.1% -15.2% 9,913.4% -99.6% 10,054.2% -97.4%
Gross Profit 741.00
853.00
1,014.00
1,050.00
1,055.00
1,080.00
1,027.00
925.00
1,274.00
growth rate 15.1% 18.9% 3.6% 0.5% 2.4% -4.9% -5.1% 17.4%

Quarterly Statements

Item Name Feb '21 May '21 Aug '21 Nov '21 Feb '22
Balance Sheet
Acct.Receivable 695.00
827.00
827.00
406.00
406.00
growth rate 19.0% 0.0% -50.9% 0.0%
Acct.Payable 41,469.00
66,477.00
66,477.00
68,501.00
68,501.00
growth rate 60.3% 0.0% 3.0% 0.0%
Cur.Assets 3,367.00
4,657.00
4,657.00
3,794.00
3,794.00
growth rate 38.3% 0.0% -18.5% 0.0%
Total Assets 57,637.00
91,432.00
91,432.00
94,895.00
94,895.00
growth rate 58.6% 0.0% 3.8% 0.0%
Cash 1,136.00
2,362.00
2,362.00
2,157.00
2,157.00
growth rate 107.9% 0.0% -8.7% 0.0%
Cur.Liabilities 42,416.00
67,497.00
67,497.00
69,127.00
69,127.00
growth rate 59.1% 0.0% 2.4% 0.0%
Liabilities 53,217.00
85,235.00
85,235.00
88,486.00
88,486.00
growth rate 60.2% 0.0% 3.8% 0.0%
LT Debt 10,753.00
17,723.00
17,723.00
19,244.00
19,244.00
growth rate 64.8% 0.0% 8.6% 0.0%
Equity 4,420.00
6,197.00
6,197.00
6,409.00
6,409.00
growth rate 40.2% 0.0% 3.4% 0.0%
Common Shares 3,870.00
5,213.00
5,213.00
5,218.00
5,218.00
growth rate 34.7% 0.0% 0.1% 0.0%
Cash Flow Statement Feb '21 May '21 Aug '21 Nov '21 Feb '22
Capital Expenditures 0.50
4.00
4.00
13.00
13.00
growth rate 700.0% 0.0% 225.0% 0.0%
Cash Dividends 24.00
49.00
49.00
65.50
65.50
growth rate 104.2% 0.0% 33.7% 0.0%
Cash From OA -498.00
-1,302.50
-1,302.50
-1,813.50
-1,813.50
growth rate 0.0% 0.0% 0.0% 0.0%
Sale Purchase of Stock
growth rate
FCF -498.50
-1,306.50
-1,306.50
-1,826.50
-1,826.50
growth rate 0.0% 0.0% 0.0% 0.0%
Income Statement Feb '21 May '21 Aug '21 Nov '21 Feb '22
Sales 276.50
360.50
360.50
424.00
424.00
growth rate 30.4% 0.0% 17.6% 0.0%
Op.Income 111.50
181.50
181.50
176.00
176.00
growth rate 62.8% 0.0% -3.0% 0.0%
IBT 111.50
157.50
157.50
158.00
158.00
growth rate 41.3% 0.0% 0.3% 0.0%
Net Income 77.00
107.00
107.00
106.00
106.00
growth rate 39.0% 0.0% -0.9% 0.0%
Gross Profit 276.50
360.50
360.50
424.00
424.00
growth rate 30.4% 0.0% 17.6% 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:

D (39.05)

YOY Growth Grade:

E (31.45)

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 10.72 10.72 9.31
EPS / Growth -3.5% 0.63 5.1%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 16.3%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 7.5% 7.5%
Future PE 2.00 11.65 11.65
Future EPS 0.69 1.28 1.28
Value Price
MOS %
0.34
-94.9%
3.70
-44.8%
3.70
-44.8%
MOS Price 0.17 1.85 1.85
IRT 10.14 7.72 7.72

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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