NATIONAL AUSTRALIA BANK LIMITED
stock AU:NAB (SYDNEY)

Alternative ID: AU000000NAB4

Watch List

Exchange: SYDNEY
Sector: Financial
Industry: Banks
Market Cap: Large (98.67B)
Data in AUD

EPS: 0.81
Current PE: 37.76
BVPS: 18.80
Price/BVPS:
Dividend: 0.60 / 2.0%

Hist Grade: F (13.92)
YOY Grade: E (18.11)
Debt/FCF: -2,086.09
ROIC: 8.2%
PEG: 11.37
PEGY: 7.11

Value Price: 3.30
MOS Price: 1.65
MOS %:
Graham Number: 18.45
Graham MOS %:
IRT: 25.83

Market Price

Price is unknown

Stock Analyzer Tutorials

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.

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.

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.

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.

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

Exchange: SYDNEY
Sector: Financial
Industry: Banks
Market Cap: Large (98.67B)
Inst. Ownership: 29.05%
Insider Ownership: 0.41%
Full Time Employees: 32932

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; and Corporate Functions and Other 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 Melbourne, 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 '11	Sep '12	Sep '13	Sep '14	Sep '15	Sep '16	Sep '17	Sep '18	Sep '19	Sep '20	Sep '21
Equity (BVPS)	17.06	18.68	18.05	18.59	17.92	19.37	17.91	18.15	18.13	17.18	18.80
growth rate		9.5%	-3.4%	3.0%	-3.6%	8.1%	-7.5%	1.3%	-0.1%	-5.2%	9.4%
Earnings BIT	6,730.00	6,160.00	8,200.00
growth rate		-8.5%	33.1%
Avg.PE	9.66	14.62	15.08	8.18	8.18	317.16	15.79	13.38	14.58	16.34	37.11
growth rate		51.4%	3.2%	-45.8%	0.0%	3,777.3%	-95.0%	-15.3%	9.0%	12.1%	127.1%
ROA	0.69	0.51	0.67	0.60	0.67	0.03	0.66	0.68	0.57	0.29	0.71
growth rate		-26.1%	31.4%	-10.5%	11.7%	-95.5%	2,100.0%	3.0%	-16.2%	-49.1%	144.8%
ROE	13.91	10.08	12.95	11.92	12.87	0.46	10.77	11.11	9.12	4.46	10.40
growth rate		-27.5%	28.5%	-8.0%	8.0%	-96.4%	2,241.3%	3.2%	-17.9%	-51.1%	133.2%
ROIC	10.67	8.53	8.19	6.88
growth rate		-20.1%	-4.0%	-16.0%
Leverage	20.23	19.65	19.24	20.28	18.30	16.21	16.29	16.20	15.79	14.60	14.75
growth rate		-2.9%	-2.1%	5.4%	-9.8%	-11.4%	0.5%	-0.6%	-2.5%	-7.5%	1.0%
Balance Sheet	Sep '11	Sep '12	Sep '13	Sep '14	Sep '15	Sep '16	Sep '17	Sep '18	Sep '19	Sep '20	Sep '21
Acct.Receivable			10,309.00	12,490.00	10,366.00	10,689.00	5,128.00	6,699.00	9,011.00	16,479.00	83,041.00
growth rate				21.2%	-17.0%	3.1%	-52.0%	30.6%	34.5%	82.9%	403.9%
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	547,775.00
growth rate				7.0%	0.1%	-4.9%	5.3%	-1.5%	2.8%	8.2%	8.7%
Cur.Assets			263,424.00	300,880.00	269,837.00	210,839.00	191,285.00	184,776.00	207,046.00	230,752.00	250,836.00
growth rate				14.2%	-10.3%	-21.9%	-9.3%	-3.4%	12.1%	11.5%	8.7%
Total Assets	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	925,968.00
growth rate		1.2%	6.1%	9.1%	8.1%	-18.7%	1.5%	2.3%	5.0%	2.3%	6.9%
Cash	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	26,964.00
growth rate		-9.9%	-42.7%	-15.9%	42.6%	-13.5%	-12.6%	-23.8%	-2.0%	33.5%	-22.2%
Cur.Liabilities			550,705.00	606,945.00	636,721.00	594,166.00	591,153.00	600,967.00	633,742.00	650,738.00	707,689.00
growth rate				10.2%	4.9%	-6.7%	-0.5%	1.7%	5.5%	2.7%	8.8%
Liabilities	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	863,189.00
growth rate		1.1%	6.1%	9.4%	7.7%	-19.4%	1.6%	2.3%	5.0%	1.7%	7.2%
LT Debt	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	144,720.00
growth rate		0.1%	5,973.4%	6.5%	21.1%	-21.2%	11.1%	4.8%	1.3%	-1.4%	0.2%
Equity	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	62,779.00
growth rate		3.8%	6.4%	-1.4%	18.8%	-7.7%	0.0%	2.8%	7.5%	10.3%	2.4%
Common Shares	2,211.00	2,232.00	2,347.00	2,427.00	2,579.00	2,794.00	2,873.00	33,062.00	36,762.00	43,531.00	43,247.00
growth rate		1.0%	5.2%	3.4%	6.3%	8.3%	2.8%	1,050.8%	11.2%	18.4%	-0.7%
Cash Flow Statement	Sep '11	Sep '12	Sep '13	Sep '14	Sep '15	Sep '16	Sep '17	Sep '18	Sep '19	Sep '20	Sep '21
Capital Expenditures	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	858.00
growth rate		-12.6%	48.3%	0.9%	-21.5%	-10.4%	17.5%	2.2%	8.0%	-14.4%	-11.7%
Cash Dividends	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	2,682.00
growth rate		17.2%	27.3%	13.7%	-8.8%	26.7%	3.4%	-11.1%	-22.6%	-28.9%	15.5%
Cash From OA	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	-55,185.00
growth rate		-100.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	100.0%	-100.0%
FCF per Share	3.66	4.64	-0.03	-3.05	-0.77	6.24	7.52	-2.65	-1.05	3.91	9.78
growth rate		26.8%	-100.0%	0.0%	0.0%	100.0%	20.5%	-100.0%	0.0%	100.0%	150.1%
Sale Purchase of Stock				9.00	6,246.00
growth rate					69,300.0%
FCF	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	-99.00
growth rate		-100.0%	0.0%	0.0%	0.0%	100.0%	-20.4%	-100.0%	100.0%	254.9%	-100.0%
Income Statement	Sep '11	Sep '12	Sep '13	Sep '14	Sep '15	Sep '16	Sep '17	Sep '18	Sep '19	Sep '20	Sep '21
Sales	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	14,170.00	16,931.00
growth rate		56.6%	-37.9%	10.0%	-1.7%	-2.3%	-0.6%	6.5%	-9.3%	-14.7%	19.5%
Op.Income	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	9,501.00
growth rate		-8.5%	31.5%	-0.3%	18.6%	-2.5%	-2.4%	6.0%	-2.3%	-30.4%	44.6%
IBT	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	9,068.00
growth rate		-8.5%		12.4%	22.3%	-5.6%	-3.5%	-3.0%	-0.7%	-38.1%	75.6%
Net Income	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	6,364.00
growth rate		-21.8%	31.2%	-1.1%	19.7%	-94.5%	1,401.4%	5.1%	-13.6%	-46.7%	148.7%
EPS	2.28	1.72	2.21	2.15	2.45	0.08	1.89	1.94	1.64	0.81	1.85
growth rate		-24.6%	28.5%	-2.7%	14.0%	-96.7%	2,262.5%	2.7%	-15.5%	-50.6%	128.4%
Gross Profit			16,377.00	18,009.00	17,704.00	17,301.00	17,200.00	18,310.00	16,608.00	14,170.00	16,931.00
growth rate				10.0%	-1.7%	-2.3%	-0.6%	6.5%	-9.3%	-14.7%	19.5%

Quarterly Statements

Item Name	Mar '21	Jun '21	Sep '21	Dec '21	Mar '22
Balance Sheet
Acct.Receivable	81,003.00	83,041.00	83,041.00	133,818.00	133,818.00
growth rate		2.5%	0.0%	61.2%	0.0%
Acct.Payable	572,726.00	547,775.00	547,775.00	654,780.00	654,780.00
growth rate		-4.4%	0.0%	19.5%	0.0%
Cur.Assets	219,641.00	250,836.00	250,836.00	264,277.00	264,277.00
growth rate		14.2%	0.0%	5.4%	0.0%
Total Assets	871,573.00	925,968.00	925,968.00	975,876.00	975,876.00
growth rate		6.2%	0.0%	5.4%	0.0%
Cash	52,831.00	26,964.00	26,964.00	44,164.00	44,164.00
growth rate		-49.0%	0.0%	63.8%	0.0%
Cur.Liabilities	600,227.00	707,689.00	707,689.00	695,494.00	695,494.00
growth rate		17.9%	0.0%	-1.7%	0.0%
Liabilities	809,996.00	863,189.00	863,189.00	914,847.00	914,847.00
growth rate		6.6%	0.0%	6.0%	0.0%
LT Debt	196,716.00	144,720.00	144,720.00	206,523.00	206,523.00
growth rate		-26.4%	0.0%	42.7%	0.0%
Equity	61,576.00	62,779.00	62,779.00	61,029.00	61,029.00
growth rate		2.0%	0.0%	-2.8%	0.0%
Common Shares	43,713.00	43,247.00	43,247.00	41,291.00	41,291.00
growth rate		-1.1%	0.0%	-4.5%	0.0%
Cash Flow Statement	Mar '21	Jun '21	Sep '21	Dec '21	Mar '22
Capital Expenditures	155.00	274.00	274.00	212.00	212.00
growth rate		76.8%	0.0%	-22.6%	0.0%
Cash Dividends	441.00	900.00	900.00	969.50	969.50
growth rate		104.1%	0.0%	7.7%	0.0%
Cash From OA	4,938.50	-32,531.00	-32,531.00	14,658.00	14,658.00
growth rate		-100.0%	0.0%	100.0%	0.0%
FCF	4,783.50	-32,805.00	-32,805.00	14,446.00	14,446.00
growth rate		-100.0%	0.0%	100.0%	0.0%
Income Statement	Mar '21	Jun '21	Sep '21	Dec '21	Mar '22
Sales	4,191.50	4,274.00	4,274.00	4,536.50	4,536.50
growth rate		2.0%	0.0%	6.1%	0.0%
Op.Income	2,354.00	2,396.50	2,396.50	2,626.00	2,626.00
growth rate		1.8%	0.0%	9.6%	0.0%
IBT	2,260.00	2,274.00	2,274.00	2,500.50	2,500.50
growth rate		0.6%	0.0%	10.0%	0.0%
Net Income	1,604.00	1,578.00	1,578.00	1,775.50	1,775.50
growth rate		-1.6%	0.0%	12.5%	0.0%
EPS
growth rate
Gross Profit	4,191.50	4,274.00	4,274.00	4,536.50	4,536.50
growth rate		2.0%	0.0%	6.1%	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:

F (13.92)

YOY Growth Grade:

E (18.11)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Dividend Yield: 2.0%
Beta: 0.91
Beta of 0.9144 suggests that the asset is volatile as the rest of the market (fairly priced).
PE: 37.76
EY: 2.6%
PEG: 11.37
PEG Ratio of 11.37 suggests that stock is overpriced.
PEGY: 7.11
PEGY Ratio of 7.11 suggests that stock is overpriced.
Price/BVPS:

Profitability Ratios

ROE: 10.4%
Return on Equity (ROE) of 10.4% suggests that management is inefficient or it could reflect a highly capitalized, conservatively operated business with little long term debt.
ROS: 56.1%
The value of Return on Sales depends on the business and/or industry. Usually the higher ratio the better.
ROA: 1.0%
Return on Assets (ROA). Low ratio usually means poor performance, or ineffective use of assets by management. High ratio usually means good performance.
ROI: 14.4%
Return on Investment (ROI) of 14.4% suggests that management is inefficient or it could reflect a highly capitalized, conservatively operated business with little long term debt.
ROIC: 8.2%
Return on Invested Capital (ROIC) of 8.2% suggests that management is inefficient or it could reflect a highly capitalized, conservatively operated business with little long term debt.

Liquidity Ratios

Current Ratio: 0.35
Current Ratio of 0.35 suggests that a company may not be able to pay off bills as rapidly as it should.
Quick Ratio: 0.16
Quick Ratio of 0.16 suggests that a company does not have enough cash to cover immediate liabilities.
Cash Turnover: -0.04
Turnover Of Cash Ratio of -0.04 suggests that a company may have funds tied up in short-term low-yielding assets or may have a cash surplus, which is not invested in the business.
Equity Ratio: 6.8%
Equity Ratio of 6.8% suggests that a company has high financing and debt service costs, not very attractive to investors.
Debt/Equity: 1,375.0%
Debt to Equity Ratio of 1,375.0% suggests that greater risk assumed by creditors, hence greater interest by them in the way the company is being managed.
Debt/FCF: -2,086.09
Debt/FCF of -2,086.09 suggests that a company has a negative Free Cash Flow and probably will not be able to pay off its long term debt.

Efficiency Ratios

Avg Collection Period: 1,790.21
Average Collection Period of 1,790.21 days suggests a slow turnover, which may be the result of a number of bad accounts, or a tax collection policy or perhaps credit is being used to generate sales.
Inventory Turnover:
Cash Flow Ratio:
Profit Margin: 37.6%

Value Price

PE and EPS

	Historical	Current	Forward
PE	37.50	37.76	14.51
EPS / Growth	4.1%	0.81	3.3%

Value Price & Investment Recovery Time

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

Equity Growth Rate: 4.5%

Estimates	Pessimistic	Moderate	Optimistic
Rate of Return	15.0%
MOS Price %	50 %
Future EPS Growth	3.3%	4.0%	4.0%
Future PE	6.64	11.23	11.23
Future EPS	1.12	1.19	1.19
Value Price MOS %	1.83	3.30	3.30
MOS Price	0.92	1.65	1.65
IRT

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.

Graham Number: 18.45
Graham MOS:

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